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7Тr§&RDkkϐ# =_yCṞ|A}p]#jekjm7 7~G #I-k"9;Jt.-k37`ӂÿ!B4a?( M )Q3Q"N1lTgޭb &ž;dƐ|:UfɮS/5RN{SA+Aσ˃B@K2u4bG 1A.xhFEcŸKͼ~؊y|q(l~uvS:^y)"LI> ~TXX=;8556~~`xㅵžR6ڊ >E٤2zc@UJ,-~ j+ +?]lG( ay l&`'y endstream endobj 78 0 obj <> endobj 88 0 obj <>stream BT 0 0 0 1 k /Perceptual ri /GS0 gs /T1_0 1 Tf 0.025 Tc 12 0 0 12 281.8878 18.7502 Tm (\226 99 \226)Tj /T1_1 1 Tf 13 0 0 13 85.0394 776.409 Tm [(\(b\) )-608.5 (Operating lease commitments)]TJ /T1_0 1 Tf 0.056 Tc 0.07 Tw 2.181 -2.462 Td [(As)12.2 ( at)12.3 ( December)12.2 ( 3)12.2 (1)12.3 (,)12.2 ( 2)12.2 (0)12.2 (1)12.3 (8)12.2 (,)12.3 ( the)12.3 ( Group\222s)12.2 ( future)12.3 ( minimum)12.2 ( lease)12.2 ( payments)31 ( )]TJ 0.025 Tc 0 Tw 0 -1.231 TD (under non-cancellable operating leases for properties are as follows:)Tj /T1_1 1 Tf 13 0 3.4833 13 112.0517 696.409 Tm (The Group as lessee)Tj /T1_0 1 Tf -0.025 Tw 13 0 0 13 525.2579 664.4089 Tm (At )Tj 0 Tw -4.859 -1.231 Td (December 31,)Tj 3.534 -1.231 Td ( 2018)Tj -0.025 Tw 13 0 3.4833 13 482.5709 616.4089 Tm (RMB\222000)Tj 13 0 0 13 485.4392 600.4089 Tm (\(Audited\))Tj 0 Tw -28.619 -2.462 Td (Within one year)Tj -0.025 Tw 29.307 0 Td (142,223)Tj 0 Tw -29.307 -1.231 Td (In the second to fifth years inclusive)Tj -0.025 Tw 29.307 0 Td (165,992)Tj 0 Tw -29.307 -1.231 Td (Over five years)Tj -0.025 Tw 29.832 0 Td (11,847)Tj ET 0 0 0 1 K 0.5 w q 1 0 0 1 464.8819 531.9989 cm 0 0 m 73.701 0 l S Q BT 0 Tc 0 Tw 13 0 0 13 459.2126 533.3999 Tm ( )Tj 0.025 Tc -0.025 Tw 2.705 -2.462 Td (320,062)Tj ET 2.5 w q 1 0 0 1 464.8819 495.8353 cm 0 0 m 73.701 0 l S Q 0.835 w q 1 0 0 1 464.8819 492.5028 cm 0 0 m 73.701 0 l S Q BT 0 Tc 0 Tw 13 0 0 13 459.2126 493.7363 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -28.783 -2.335 Td [(\(c\) )-720.5 (Capital commitments)]TJ /T1_0 1 Tf 0.043 Tc 0.07 Tw 2.181 -2.462 Td [(At)12.1 ( June)12.1 ( 3)12.1 (0)12.1 (,)12.1 ( 2)12 (0)12.1 (1)12.1 (9)12.1 ( and)12 ( December)12.1 ( 3)12.1 (1)12 (,)12.1 ( 2)12.1 (0)12.1 (1)12 (8)12.1 (,)12.1 ( the)12.1 ( Group\222s)12.1 ( authorised)12 ( capital)18 ( )]TJ 0.025 Tc 0 Tw T* (commitments are as follows:)Tj /T1_1 1 Tf -0.025 Tw 25.086 -2.462 Td (At )Tj 0 Tw -2.651 -1.231 Td (June 30,)Tj /T1_0 1 Tf -0.025 Tw 9.247 1.231 Td (At )Tj 0 Tw -4.859 -1.231 Td (December 31,)Tj /T1_1 1 Tf -0.025 Tw -2.733 -1.231 Td (2019)Tj /T1_0 1 Tf 6.541 0 Td (2018)Tj /T1_1 1 Tf 13 0 3.4833 13 396.1017 335.3873 Tm (RMB\222000)Tj /T1_0 1 Tf 6.651 0 Td (RMB\222000)Tj /T1_1 1 Tf 13 0 0 13 383.123 319.3873 Tm (\(Unaudited\))Tj /T1_0 1 Tf 7.87 0 Td (\(Audited\))Tj 0 Tw -28.619 -2.462 Td (Purchase of property and equipment)Tj /T1_1 1 Tf 0 Tc 25.616 0 Td ( )Tj /T1_0 1 Tf 6.541 0 Td ( )Tj 0.025 Tc -32.157 -1.231 Td (\226 Contracted for but not provided)Tj /T1_1 1 Tf -0.025 Tw 23.816 0 Td (9,393)Tj /T1_0 1 Tf 6.016 0 Td (38,655)Tj ET 2.5 w q 1 0 0 1 379.8425 265.8227 cm 0 0 m 73.701 0 l S Q 0.835 w q 1 0 0 1 379.8425 262.4902 cm 0 0 m 73.701 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 13 0 0 13 374.1732 263.7237 Tm ( )Tj ET 2.5 w q 1 0 0 1 464.8819 265.8227 cm 0 0 m 73.701 0 l S Q 0.835 w q 1 0 0 1 464.8819 262.4902 cm 0 0 m 73.701 0 l S Q BT /T1_0 1 Tf 13 0 0 13 459.2126 263.7237 Tm ( )Tj ET endstream endobj 87 0 obj <>stream BT 0 0 0 1 k /Perceptual ri /GS0 gs /T1_0 1 Tf 0.025 Tc 12 0 0 12 281.8878 18.7502 Tm (\226 98 \226)Tj /T1_1 1 Tf 0.581 Tw 13 0 0 13 56.6929 776.409 Tm [(20. )0.5 (COMMITMENTS)]TJ 0 Tw 2.181 -2.462 Td [(\(a\) )-664.5 (Credit commitments)]TJ /T1_0 1 Tf 0.058 Tc 0.07 Tw 2.18 -2.462 Td [(The)12.9 ( Group\222s)12.9 ( credit)12.9 ( commitments)12.8 ( take)12.9 ( the)12.9 ( form)12.9 ( of)12.9 ( approved)12.9 ( loans)12.8 ( with)33 ( )]TJ 0.025 Tc 0.036 Tw 0 -1.231 TD [(signed contracts, )0.5 (bank acceptances, letters of )0.5 (credit and )0.5 (financial guarantees )]TJ 0 Tw T* (and unused credit card commitments.)Tj 0.041 Tc 0.07 Tw 0 -2.462 TD [(T)0.5 (he)13 ( G)0.5 (r)0.5 (ou)0.5 (p)12.9 ( )0.5 (pr)0.5 (ov)0.5 (i)0.5 (de)0.5 (s)12.9 ( )0.5 (f)0.5 (in)0.5 (an)0.5 (c)0.5 (ia)0.5 (l)12.9 ( )0.5 (gu)0.5 (a)0.5 (ra)0.5 (nt)0.5 (e)0.5 (es)13 ( )0.5 (to)13 ( g)0.5 (ua)0.5 (r)0.5 (an)0.5 (te)0.5 (e)13 ( t)0.5 (he)13 ( )0.5 (pe)0.5 (rf)0.5 (o)0.5 (rm)0.5 (an)0.5 (c)0.5 (e)12.9 ( )0.5 (of)16 ( )]TJ 0.048 Tc 0 -1.231 TD [(customers)12.5 ( to)12.5 ( third)12.5 ( parties.)12.4 ( Acceptances)12.4 ( comprise)12.4 ( of)12.5 ( undertakings)12.5 ( by)12.5 ( the)23 ( )]TJ 0.024 Tc 0 Tw T* [(Group to pay bills of exchange drawn on customers. The Group expects mos\ t)-1 ( )]TJ 0.037 Tc 0.071 Tw T* [(a)0.5 (c)0.5 (c)0.5 (ep)0.5 (t)0.5 (a)0.5 (nc)0.5 (e)0.5 (s)12 ( )0.5 (t)0.5 (o)12 ( )0.5 (be)12.1 ( )0.5 (se)0.5 (t)0.5 (t)0.5 (le)0.5 (d)12 ( )0.5 (s)0.5 (i)0.5 (mu)0.5 (l)0.5 (ta)0.5 (n)0.5 (e)0.5 (ou)0.5 (s)0.5 (l)0.5 (y)12 ( )0.5 (wi)0.5 (t)0.5 (h)12 ( )0.5 (t)0.5 (he)12 ( )0.5 (r)0.5 (e)0.5 (i)0.5 (mb)0.5 (u)0.5 (r)0.5 (se)0.5 (m)0.5 (e)0.5 (nt)12 ( )0.5 (f)0.5 (r)0.5 (o)0.5 (m)12 ( )0.5 (th)0.5 (e)12 ( )]TJ 0.025 Tc -0.025 Tw T* (customers.)Tj /T1_1 1 Tf 25.086 -2.462 Td (At )Tj 0 Tw -2.651 -1.231 Td (June 30,)Tj /T1_0 1 Tf -0.025 Tw 9.247 1.231 Td (At )Tj 0 Tw -4.859 -1.231 Td (December 31,)Tj /T1_1 1 Tf -0.025 Tw -2.733 -1.231 Td (2019)Tj /T1_0 1 Tf 6.541 0 Td (2018)Tj /T1_1 1 Tf 13 0 3.4833 13 396.1017 504.409 Tm (RMB\222000)Tj /T1_0 1 Tf 6.651 0 Td (RMB\222000)Tj /T1_1 1 Tf 13 0 0 13 383.123 488.409 Tm (\(Unaudited\))Tj /T1_0 1 Tf 7.87 0 Td (\(Audited\))Tj -28.619 -2.462 Td (Acceptances)Tj /T1_1 1 Tf 21.441 0 Td (26,374,876)Tj /T1_0 1 Tf 6.541 0 Td (26,418,071)Tj 0 Tw -27.982 -1.231 Td (Letters of guarantees)Tj /T1_1 1 Tf -0.025 Tw 21.966 0 Td (1,153,025)Tj /T1_0 1 Tf 7.341 0 Td (721,547)Tj 0 Tw -29.307 -1.231 Td (Unused credit card commitments)Tj /T1_1 1 Tf -0.025 Tw 22.766 0 Td (381,668)Tj /T1_0 1 Tf 6.541 0 Td (359,224)Tj ET 0 0 0 1 K 0.5 w q 1 0 0 1 379.8425 419.9989 cm 0 0 m 73.701 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 13 0 0 13 374.1732 421.3998 Tm ( )Tj ET q 1 0 0 1 464.8819 419.9989 cm 0 0 m 73.701 0 l S Q BT /T1_0 1 Tf 13 0 0 13 459.2126 421.3998 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -0.025 Tw -5.161 -2.462 Td (27,909,569)Tj /T1_0 1 Tf 6.541 0 Td (27,498,842)Tj ET 2.5 w q 1 0 0 1 379.8425 383.8353 cm 0 0 m 73.701 0 l S Q 0.835 w q 1 0 0 1 379.8426 380.5028 cm 0 0 m 73.701 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 13 0 0 13 374.1732 381.7363 Tm ( )Tj ET 2.5 w q 1 0 0 1 464.8819 383.8353 cm 0 0 m 73.701 0 l S Q 0.835 w q 1 0 0 1 464.8819 380.5028 cm 0 0 m 73.701 0 l S Q BT /T1_0 1 Tf 13 0 0 13 459.2126 381.7363 Tm ( )Tj 0.025 Tc 0.066 Tw -26.602 -2.335 Td (The Group may be exposed to credit risk in all the above credit business\ es. )Tj 0.022 Tw T* [(Group )0.5 (management periodically )0.5 (assesses )0.5 (credit risk )0.5 (and makes provision for )]TJ 0.046 Tw T* [(any )0.5 (probable losses. )0.5 (As )0.5 (the )0.5 (facilities may expire )0.5 (without being )0.5 (drawn )0.5 (upon, )]TJ 0.042 Tc 0.07 Tw T* [(the)12.2 ( total)12.1 ( of)12.1 ( the)12.1 ( contractual)12.1 ( amounts)12.1 ( shown)12.1 ( above)12.2 ( is)12.1 ( not)12.1 ( representative)12.1 ( of)17 ( )]TJ 0.025 Tc 0 Tw 0 -1.231 TD (expected future cash outflows.)Tj ET endstream endobj 86 0 obj <>stream BT 0 0 0 1 k /Perceptual ri /GS0 gs /T1_0 1 Tf 0.025 Tc 12 0 0 12 281.8878 18.7502 Tm (\226 97 \226)Tj 9.1 0 0 13 353.6442 771.8479 Tm (As at December 31, 2018)Tj -0.025 Tw -8.796 -2.308 Td (Corporate )Tj 0.827 -1.154 Td (banking)Tj 7.088 1.154 Td (Retail )Tj -0.858 -1.154 Td (banking)Tj 5.68 2.308 Td (Financial )Tj 1.02 -1.154 Td (market )Tj -1.489 -1.154 Td (operations)Tj 7.83 0 Td (Others)Tj 6.81 0 Td (Total)Tj 9.1 0 3.4833 13 272.2025 711.8479 Tm (RMB\222000)Tj 6.23 0 Td (RMB\222000)Tj 6.23 0 Td (RMB\222000)Tj 6.23 0 Td (RMB\222000)Tj 6.23 0 Td (RMB\222000)Tj 9.1 0 0 13 274.6106 696.8479 Tm (\(Audited\))Tj 6.23 0 Td (\(Audited\))Tj 6.23 0 Td (\(Audited\))Tj 6.23 0 Td (\(Audited\))Tj 6.23 0 Td (\(Audited\))Tj 0 Tw -42.637 -2.308 Td (Segment assets)Tj -0.025 Tw 16.555 0 Td (110,549,327)Tj 6.755 0 Td (27,819,221)Tj 5.705 0 Td (188,347,517)Tj 8.08 0 Td (186,760)Tj 4.38 0 Td (326,902,825)Tj 0 Tw -41.475 -1.154 Td (Deferred tax assets)Tj 0 Tc 21.305 0 Td (\226)Tj 6.23 0 Td (\226)Tj 6.23 0 Td (\226)Tj 0.025 Tc -0.025 Tw 2.53 0 Td (1,719,546)Tj 6.23 0 Td (1,719,546)Tj ET 0 0 0 1 K 0.5 w q 1 0 0 1 266.4567 647.4379 cm 0 0 m 45.354 0 l S Q BT 0 Tc 0 Tw 13 0 0 13 260.7874 648.8389 Tm ( )Tj ET q 1 0 0 1 323.1496 647.4379 cm 0 0 m 45.354 0 l S Q BT 13 0 0 13 317.4803 648.8389 Tm ( )Tj ET q 1 0 0 1 379.8425 647.4379 cm 0 0 m 45.354 0 l S Q BT 13 0 0 13 374.1732 648.8389 Tm ( )Tj ET q 1 0 0 1 436.5354 647.4379 cm 0 0 m 45.354 0 l S Q BT 13 0 0 13 430.8661 648.8389 Tm ( )Tj ET q 1 0 0 1 493.2283 647.4379 cm 0 0 m 45.354 0 l S Q BT 13 0 0 13 487.559 648.8389 Tm ( )Tj 0.025 Tc 9.1 0 0 13 113.3858 618.8389 Tm (Total assets)Tj -0.025 Tw 16.555 0 Td (110,549,327)Tj 6.755 0 Td (27,819,221)Tj 5.705 0 Td (188,347,517)Tj 7.28 0 Td (1,906,306)Tj 5.18 0 Td (328,622,371)Tj ET 2.5 w q 1 0 0 1 266.4567 613.2743 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 266.4567 609.9418 cm 0 0 m 45.354 0 l S Q BT 0 Tc 0 Tw 13 0 0 13 260.7874 611.1753 Tm ( )Tj ET 2.5 w q 1 0 0 1 323.1496 613.2743 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 323.1496 609.9418 cm 0 0 m 45.354 0 l S Q BT 13 0 0 13 317.4803 611.1753 Tm ( )Tj ET 2.5 w q 1 0 0 1 379.8426 613.2743 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 379.8426 609.9418 cm 0 0 m 45.354 0 l S Q BT 13 0 0 13 374.1733 611.1753 Tm ( )Tj ET 2.5 w q 1 0 0 1 436.5355 613.2743 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 436.5355 609.9418 cm 0 0 m 45.354 0 l S Q BT 13 0 0 13 430.8662 611.1753 Tm ( )Tj ET 2.5 w q 1 0 0 1 493.2284 613.2743 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 493.2284 609.9418 cm 0 0 m 45.354 0 l S Q BT 13 0 0 13 487.5591 611.1753 Tm ( )Tj 0.025 Tc 9.1 0 0 13 113.3859 581.1753 Tm (Segment liabilities)Tj -0.025 Tw 17.08 0 Td (92,065,313)Tj 5.705 0 Td (112,244,596)Tj 6.755 0 Td (98,802,812)Tj 7.555 0 Td (118,236)Tj 4.38 0 Td (303,230,957)Tj 0 Tw -41.475 -1.154 Td (Deferred tax liabilities)Tj 0 Tc 21.305 0 Td (\226)Tj 6.23 0 Td (\226)Tj 6.23 0 Td (\226)Tj 0.025 Tc -0.025 Tw 3.33 0 Td (135,263)Tj 6.23 0 Td (135,263)Tj 0 Tw -43.325 -1.154 Td (Dividend payable)Tj 0 Tc 21.305 0 Td (\226)Tj 6.23 0 Td (\226)Tj 6.23 0 Td (\226)Tj 0.025 Tc -0.025 Tw 4.38 0 Td (8,560)Tj 6.23 0 Td (8,560)Tj ET 0.5 w q 1 0 0 1 266.4566 546.7653 cm 0 0 m 45.354 0 l S Q BT 0 Tc 0 Tw 13 0 0 13 260.7873 548.1663 Tm ( )Tj ET q 1 0 0 1 323.1495 546.7653 cm 0 0 m 45.354 0 l S Q BT 13 0 0 13 317.4802 548.1663 Tm ( )Tj ET q 1 0 0 1 379.8424 546.7653 cm 0 0 m 45.354 0 l S Q BT 13 0 0 13 374.1732 548.1663 Tm ( )Tj ET q 1 0 0 1 436.5353 546.7653 cm 0 0 m 45.354 0 l S Q BT 13 0 0 13 430.8661 548.1663 Tm ( )Tj ET q 1 0 0 1 493.2282 546.7653 cm 0 0 m 45.354 0 l S Q BT 13 0 0 13 487.559 548.1663 Tm ( )Tj 0.025 Tc 9.1 0 0 13 113.3857 518.1663 Tm (Total liabilities)Tj -0.025 Tw 17.08 0 Td (92,065,313)Tj 5.705 0 Td (112,244,596)Tj 6.755 0 Td (98,802,812)Tj 7.555 0 Td (262,059)Tj 4.38 0 Td (303,374,780)Tj ET 2.5 w q 1 0 0 1 266.4566 512.6017 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 266.4566 509.2692 cm 0 0 m 45.354 0 l S Q BT 0 Tc 0 Tw 13 0 0 13 260.7873 510.5027 Tm ( )Tj ET 2.5 w q 1 0 0 1 323.1495 512.6017 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 323.1495 509.2692 cm 0 0 m 45.354 0 l S Q BT 13 0 0 13 317.4802 510.5027 Tm ( )Tj ET 2.5 w q 1 0 0 1 379.8424 512.6017 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 379.8424 509.2692 cm 0 0 m 45.354 0 l S Q BT 13 0 0 13 374.1732 510.5027 Tm ( )Tj ET 2.5 w q 1 0 0 1 436.5353 512.6017 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 436.5353 509.2692 cm 0 0 m 45.354 0 l S Q BT 13 0 0 13 430.8661 510.5027 Tm ( )Tj ET 2.5 w q 1 0 0 1 493.2282 512.6017 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 493.2282 509.2692 cm 0 0 m 45.354 0 l S Q BT 13 0 0 13 487.559 510.5027 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -30.963 -2.335 Td [(\(b\) )-608.5 (Geographical information)]TJ /T1_0 1 Tf 0.05 Tw 2.18 -2.462 Td (No geographical information is presented as most of the Group\222s opera\ tions )Tj 0.027 Tc 0.081 Tw 0 -1.231 TD [(are)2 ( )0.5 (conducted)2 ( in)2 ( )0.5 (Gansu)2 ( Province)2 ( )0.5 (of)2 ( the)2 ( )0.5 (PRC)2 ( )0.5 (and)2 ( all)1.9 ( )0.5 (non-current)2 ( )0.5 (assets)2 ( )0.5 (are)2 ( )]TJ 0.025 Tc 0.001 Tw T* (located and therefore revenue is derived from activities in Gansu Provin\ ce of )Tj 0 Tw 0 -1.231 TD (the PRC.)Tj /T1_1 1 Tf -2.18 -2.462 Td [(\(c\) )-720.5 (Information about major customers)]TJ /T1_0 1 Tf 0.075 Tw 2.18 -2.462 Td (During the six months ended June 30, 2019 and 2018, no operating income \ )Tj 0.029 Tc 0.079 Tw 0 -1.231 TD [(from)4 ( )0.6 (a)4 ( )0.5 (customer)4 ( )0.5 (contributes)4 ( )0.5 (over)4 ( )0.5 (1)4 (0)4 (%)4 ( )0.5 (of)4.1 ( )0.5 (the)4 ( )0.5 (total)4 ( )0.5 (operating)4 ( )0.5 (income)4 ( )0.5 (of)4 ( )0.5 (the)4 ( )]TJ 0.025 Tc -0.025 Tw T* (Group.)Tj ET endstream endobj 85 0 obj <>stream BT 0 0 0 1 k /Perceptual ri /GS0 gs /T1_0 1 Tf 0.025 Tc 12 0 0 12 281.8878 18.7502 Tm (\226 96 \226)Tj 9.1 0 0 13 340.0712 771.8479 Tm (Six months ended June 30, 2018)Tj -0.025 Tw -7.304 -2.308 Td (Corporate )Tj 0.827 -1.154 Td (banking)Tj 7.088 1.154 Td (Retail )Tj -0.858 -1.154 Td (banking)Tj 5.68 2.308 Td (Financial)Tj 1.02 -1.154 Td (market )Tj -1.489 -1.154 Td (operations)Tj 7.83 0 Td (Others)Tj 6.81 0 Td (Total)Tj 9.1 0 3.4833 13 272.2025 711.8479 Tm (RMB\222000)Tj 6.23 0 Td (RMB\222000)Tj 6.23 0 Td (RMB\222000)Tj 6.23 0 Td (RMB\222000)Tj 6.23 0 Td (RMB\222000)Tj 9.1 0 0 13 265.5654 696.8479 Tm (\(Unaudited\))Tj 6.23 0 Td (\(Unaudited\))Tj 6.23 0 Td (\(Unaudited\))Tj 6.23 0 Td (\(Unaudited\))Tj 6.23 0 Td (\(Unaudited\))Tj 0 Tw -41.643 -2.308 Td (Operating income)Tj 0.934 -1.154 Td (External net interest income/)Tj -0.025 Tw 0.934 -1.154 Td (\(expense\))Tj 15.736 0 Td (2,744,282)Tj 6.647 0 Td (\(562,527\))Tj 5.813 0 Td (1,475,802)Tj 0 Tc 0 Tw 9.93 0 Td (\226)Tj 0.025 Tc -0.025 Tw 2.53 0 Td (3,657,557)Tj 0 Tw -41.59 -1.154 Td (Internal net interest \(expense\)/)Tj -0.025 Tw 0.934 -1.154 Td (income)Tj 16.153 0 Td (\(615,405\))Tj 5.813 0 Td (1,038,250)Tj 6.647 0 Td (\(422,845\))Tj 0 Tc 0 Tw 9.513 0 Td (\226)Tj 6.23 0 Td (\226)Tj ET 0 0 0 1 K 0.5 w q 1 0 0 1 266.4565 602.4379 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 260.7872 603.8389 Tm ( )Tj ET q 1 0 0 1 323.1494 602.4379 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 317.4801 603.8389 Tm ( )Tj ET q 1 0 0 1 379.8423 602.4379 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 374.173 603.8389 Tm ( )Tj ET q 1 0 0 1 436.5352 602.4379 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 430.8659 603.8389 Tm ( )Tj ET q 1 0 0 1 493.2281 602.4379 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 487.5588 603.8389 Tm ( )Tj 0.025 Tc -40.183 -2.308 Td (Net interest income)Tj -0.025 Tw 16.67 0 Td (2,128,877)Tj 7.03 0 Td (475,723)Tj 5.43 0 Td (1,052,957)Tj 0 Tc 0 Tw 9.93 0 Td (\226)Tj 0.025 Tc -0.025 Tw 2.53 0 Td (3,657,557)Tj 0 Tw -41.59 -1.154 Td (Net fee and commission income)Tj -0.025 Tw 17.995 0 Td (54,802)Tj 6.23 0 Td (11,740)Tj 6.23 0 Td (58,439)Tj 6.755 0 Td (2,848)Tj 5.18 0 Td (127,829)Tj 0 Tw -42.39 -1.154 Td (Net trading gains)Tj 0 Tc 20.37 0 Td (\226)Tj 6.23 0 Td (\226)Tj 0.025 Tc -0.025 Tw 3.33 0 Td (434,740)Tj 0 Tc 0 Tw 9.13 0 Td (\226)Tj 0.025 Tc -0.025 Tw 3.33 0 Td (434,740)Tj 0 Tw -42.39 -1.154 Td (Net gains arising from investment )Tj -0.025 Tw 0.934 -1.154 Td (securities)Tj 0 Tc 0 Tw 19.436 0 Td (\226)Tj 6.23 0 Td (\226)Tj 0.025 Tc -0.025 Tw 4.38 0 Td (2,442)Tj 0 Tc 0 Tw 8.08 0 Td (\226)Tj 0.025 Tc -0.025 Tw 4.38 0 Td (2,442)Tj 0 Tw -43.44 -1.154 Td (Foreign exchange gain)Tj 0 Tc 20.37 0 Td (\226)Tj 6.23 0 Td (\226)Tj 6.23 0 Td (\226)Tj 0.025 Tc -0.025 Tw 3.33 0 Td (168,943)Tj 6.23 0 Td (168,943)Tj 0 Tw -42.39 -1.154 Td (Other operating income, net)Tj 0 Tc 20.37 0 Td (\226)Tj 6.23 0 Td (\226)Tj 6.23 0 Td (\226)Tj 0.025 Tc -0.025 Tw 3.855 0 Td (11,521)Tj 6.23 0 Td (11,521)Tj ET q 1 0 0 1 266.4563 479.4288 cm 0 0 m 45.354 0 l S Q BT 0 Tc 0 Tw 9.1 0 0 13 260.787 480.8298 Tm ( )Tj ET q 1 0 0 1 323.1492 479.4288 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 317.4799 480.8298 Tm ( )Tj ET q 1 0 0 1 379.8421 479.4288 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 374.1728 480.8298 Tm ( )Tj ET q 1 0 0 1 436.535 479.4288 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 430.8657 480.8298 Tm ( )Tj ET q 1 0 0 1 493.2279 479.4288 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 487.5586 480.8298 Tm ( )Tj 0.025 Tc -41.118 -2.308 Td (Operating income)Tj -0.025 Tw 17.605 0 Td (2,183,679)Tj 7.03 0 Td (487,463)Tj 5.43 0 Td (1,548,578)Tj 7.03 0 Td (183,312)Tj 5.43 0 Td (4,403,032)Tj 0 Tw -42.525 -1.154 Td (Operating expenses)Tj -0.025 Tw 18.022 0 Td (\(423,266\))Tj 6.755 0 Td (\(90,674\))Tj 5.705 0 Td (\(451,361\))Tj 6.755 0 Td (\(21,994\))Tj 5.705 0 Td (\(987,295\))Tj 0 Tw -42.942 -1.154 Td (Impairment losses on assets)Tj -0.025 Tw 18.022 0 Td (\(319,841\))Tj 6.23 0 Td (\(172,168\))Tj 7.138 0 Td (36,682)Tj 5.847 0 Td (\(17,316\))Tj 5.705 0 Td (\(472,643\))Tj ET q 1 0 0 1 266.4563 416.4197 cm 0 0 m 45.354 0 l S Q BT 0 Tc 0 Tw 9.1 0 0 13 260.787 417.8207 Tm ( )Tj ET q 1 0 0 1 323.1492 416.4197 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 317.4799 417.8207 Tm ( )Tj ET q 1 0 0 1 379.8421 416.4197 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 374.1729 417.8207 Tm ( )Tj ET q 1 0 0 1 436.535 416.4197 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 430.8658 417.8207 Tm ( )Tj ET q 1 0 0 1 493.2279 416.4197 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 487.5587 417.8207 Tm ( )Tj 0.025 Tc -41.118 -2.308 Td (Operating profit)Tj -0.025 Tw 17.605 0 Td (1,440,572)Tj 7.03 0 Td (224,621)Tj 5.43 0 Td (1,133,899)Tj 7.03 0 Td (144,002)Tj 5.43 0 Td (2,943,094)Tj 0 Tw -42.525 -1.154 Td (Share of profits of associate)Tj 0 Tc 21.305 0 Td (\226)Tj 6.23 0 Td (\226)Tj 6.23 0 Td (\226)Tj 0.025 Tc -0.025 Tw 5.18 0 Td (820)Tj 6.23 0 Td (820)Tj ET q 1 0 0 1 266.4563 368.4107 cm 0 0 m 45.354 0 l S Q BT 0 Tc 0 Tw 9.1 0 0 13 260.787 369.8116 Tm ( )Tj ET q 1 0 0 1 323.1492 368.4107 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 317.4799 369.8116 Tm ( )Tj ET q 1 0 0 1 379.8421 368.4107 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 374.1728 369.8116 Tm ( )Tj ET q 1 0 0 1 436.535 368.4107 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 430.8657 369.8116 Tm ( )Tj ET q 1 0 0 1 493.2279 368.4107 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 487.5586 369.8116 Tm ( )Tj 0.025 Tc -41.118 -2.308 Td (Profit before tax)Tj -0.025 Tw 17.605 0 Td (1,440,572)Tj 7.03 0 Td (224,621)Tj 5.43 0 Td (1,133,899)Tj 7.03 0 Td (144,822)Tj 5.43 0 Td (2,943,914)Tj ET 2.5 w q 1 0 0 1 266.4563 334.2471 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 266.4563 330.9146 cm 0 0 m 45.354 0 l S Q BT 0 Tc 0 Tw 9.1 0 0 13 260.787 332.1481 Tm ( )Tj ET 2.5 w q 1 0 0 1 323.1492 334.2471 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 323.1492 330.9146 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 317.4799 332.1481 Tm ( )Tj ET 2.5 w q 1 0 0 1 379.8421 334.2471 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 379.8421 330.9146 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 374.1729 332.1481 Tm ( )Tj ET 2.5 w q 1 0 0 1 436.535 334.2471 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 436.535 330.9146 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 430.8658 332.1481 Tm ( )Tj ET 2.5 w q 1 0 0 1 493.2279 334.2471 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 493.2279 330.9146 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 487.5587 332.1481 Tm ( )Tj 0.025 Tc -41.118 -2.308 Td (Other segment information)Tj 0 -1.154 TD (\226 Depreciation and amortisation)Tj -0.025 Tw 18.93 0 Td (76,945)Tj 6.23 0 Td (17,176)Tj 6.23 0 Td (54,566)Tj 6.755 0 Td (6,460)Tj 5.18 0 Td (155,147)Tj 0 Tw -43.325 -1.154 Td (\226 Capital expenditure)Tj -0.025 Tw 18.405 0 Td (576,179)Tj 6.23 0 Td (128,621)Tj 6.23 0 Td (408,604)Tj 6.755 0 Td (48,368)Tj 4.905 0 Td (1,161,772)Tj ET 2.5 w q 1 0 0 1 266.4563 266.5836 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 266.4563 263.2511 cm 0 0 m 45.354 0 l S Q BT 0 Tc 0 Tw 9.1 0 0 13 260.787 264.4846 Tm ( )Tj ET 2.5 w q 1 0 0 1 323.1492 266.5836 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 323.1492 263.2511 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 317.4799 264.4846 Tm ( )Tj ET 2.5 w q 1 0 0 1 379.8421 266.5836 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 379.8421 263.2511 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 374.1729 264.4846 Tm ( )Tj ET 2.5 w q 1 0 0 1 436.535 266.5836 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 436.535 263.2511 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 430.8658 264.4846 Tm ( )Tj ET 2.5 w q 1 0 0 1 493.2279 266.5836 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 493.2279 263.2511 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 487.5587 264.4846 Tm ( )Tj ET endstream endobj 84 0 obj <>stream BT 0 0 0 1 k /Perceptual ri /GS0 gs /T1_0 1 Tf 0.025 Tc 12 0 0 12 281.8878 18.7502 Tm (\226 95 \226)Tj /T1_1 1 Tf 9.1 0 0 13 337.2821 771.8479 Tm (Six months ended June 30, 2019)Tj -0.025 Tw -7.442 -2.308 Td (Corporate )Tj 0.991 -1.154 Td (banking)Tj 7.202 1.154 Td (Retail )Tj -0.972 -1.154 Td (banking)Tj 5.681 2.308 Td (Financial )Tj 0.966 -1.154 Td (market )Tj -1.49 -1.154 Td (operations)Tj 7.886 0 Td (Others)Tj 6.921 0 Td (Total)Tj 9.1 0 3.4833 13 271.2017 711.8479 Tm (RMB\222000)Tj 6.23 0 Td (RMB\222000)Tj 6.23 0 Td (RMB\222000)Tj 6.23 0 Td (RMB\222000)Tj 6.23 0 Td (RMB\222000)Tj 9.1 0 0 13 262.5168 696.8479 Tm (\(Unaudited\))Tj 6.23 0 Td (\(Unaudited\))Tj 6.23 0 Td (\(Unaudited\))Tj 6.23 0 Td (\(Unaudited\))Tj 6.23 0 Td (\(Unaudited\))Tj /T1_0 1 Tf 0 Tw -41.308 -2.308 Td (Operating income)Tj /T1_1 1 Tf -0.025 Tw 17.605 0 Td (2,039,559)Tj 7.03 0 Td (757,175)Tj 5.43 0 Td (1,047,142)Tj 7.555 0 Td (14,053)Tj 4.905 0 Td (3,857,929)Tj /T1_0 1 Tf 0 Tw -42.525 -1.154 Td (Operating expenses)Tj /T1_1 1 Tf -0.025 Tw 18.022 0 Td (\(496,932\))Tj 6.23 0 Td (\(184,483\))Tj 6.23 0 Td (\(255,134\))Tj 7.28 0 Td (\(5,044\))Tj 5.18 0 Td (\(941,593\))Tj /T1_0 1 Tf 0 Tw -42.942 -1.154 Td (Impairment losses on assets)Tj /T1_1 1 Tf -0.025 Tw 17.222 0 Td (\(1,848,500\))Tj 7.03 0 Td (\(113,476\))Tj 6.23 0 Td (\(333,855\))Tj 7.663 0 Td (6,152)Tj 3.997 0 Td (\(2,289,679\))Tj ET 0 0 0 1 K 0.5 w q 1 0 0 1 266.4567 632.4379 cm 0 0 m 45.354 0 l S Q BT 0 Tc 0 Tw 9.1 0 0 13 260.7874 633.8389 Tm ( )Tj ET q 1 0 0 1 323.1496 632.4379 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 317.4803 633.8389 Tm ( )Tj ET q 1 0 0 1 379.8425 632.4379 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 374.1732 633.8389 Tm ( )Tj ET q 1 0 0 1 436.5354 632.4379 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 430.8661 633.8389 Tm ( )Tj ET q 1 0 0 1 493.2283 632.4379 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 487.559 633.8389 Tm ( )Tj /T1_0 1 Tf 0.025 Tc -41.118 -2.308 Td (Operating \(loss\)/profit)Tj /T1_1 1 Tf -0.025 Tw 18.022 0 Td (\(305,873\))Tj 6.613 0 Td (459,216)Tj 6.23 0 Td (458,153)Tj 6.755 0 Td (15,161)Tj 5.705 0 Td (626,657)Tj /T1_0 1 Tf 0 Tw -43.325 -1.154 Td (Share of loss of an associate)Tj /T1_1 1 Tf 0 Tc 21.305 0 Td (\226)Tj 6.23 0 Td (\226)Tj 6.23 0 Td (\226)Tj 0.025 Tc -0.025 Tw 3.997 0 Td (\(2,314\))Tj 6.23 0 Td (\(2,314\))Tj ET q 1 0 0 1 266.4566 584.4288 cm 0 0 m 45.354 0 l S Q BT 0 Tc 0 Tw 9.1 0 0 13 260.7873 585.8298 Tm ( )Tj ET q 1 0 0 1 323.1495 584.4288 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 317.4802 585.8298 Tm ( )Tj ET q 1 0 0 1 379.8424 584.4288 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 374.1732 585.8298 Tm ( )Tj ET q 1 0 0 1 436.5353 584.4288 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 430.8661 585.8298 Tm ( )Tj ET q 1 0 0 1 493.2282 584.4288 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 487.559 585.8298 Tm ( )Tj /T1_0 1 Tf 0.025 Tc -41.118 -2.308 Td (\(Loss\)/profit before tax)Tj /T1_1 1 Tf -0.025 Tw 18.022 0 Td (\(305,873\))Tj 6.613 0 Td (459,216)Tj 6.23 0 Td (458,153)Tj 6.755 0 Td (12,847)Tj 5.705 0 Td (624,343)Tj ET 2.5 w q 1 0 0 1 266.4566 550.2653 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 266.4566 546.9327 cm 0 0 m 45.354 0 l S Q BT 0 Tc 0 Tw 9.1 0 0 13 260.7873 548.1663 Tm ( )Tj ET 2.5 w q 1 0 0 1 323.1495 550.2653 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 323.1495 546.9327 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 317.4802 548.1663 Tm ( )Tj ET 2.5 w q 1 0 0 1 379.8424 550.2653 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 379.8424 546.9327 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 374.1732 548.1663 Tm ( )Tj ET 2.5 w q 1 0 0 1 436.5353 550.2653 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 436.5353 546.9327 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 430.8661 548.1663 Tm ( )Tj ET 2.5 w q 1 0 0 1 493.2282 550.2653 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 493.2282 546.9327 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 487.559 548.1663 Tm ( )Tj /T1_0 1 Tf 0.025 Tc -41.118 -2.308 Td (Segment assets)Tj /T1_1 1 Tf -0.025 Tw 16.555 0 Td (112,327,414)Tj 6.755 0 Td (33,124,610)Tj 5.705 0 Td (195,272,726)Tj 8.605 0 Td (43,051)Tj 3.855 0 Td (340,767,801)Tj /T1_0 1 Tf 0 Tw -41.475 -1.154 Td (Deferred tax assets)Tj /T1_1 1 Tf 0 Tc 21.305 0 Td (\226)Tj 6.23 0 Td (\226)Tj 6.23 0 Td (\226)Tj 0.025 Tc -0.025 Tw 2.53 0 Td (2,023,530)Tj 6.23 0 Td (2,023,530)Tj ET 0.5 w q 1 0 0 1 266.4566 498.7562 cm 0 0 m 45.354 0 l S Q BT 0 Tc 0 Tw 9.1 0 0 13 260.7873 500.1572 Tm ( )Tj ET q 1 0 0 1 323.1495 498.7562 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 317.4802 500.1572 Tm ( )Tj ET q 1 0 0 1 379.8424 498.7562 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 374.1732 500.1572 Tm ( )Tj ET q 1 0 0 1 436.5353 498.7562 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 430.8661 500.1572 Tm ( )Tj ET q 1 0 0 1 493.2282 498.7562 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 487.559 500.1572 Tm ( )Tj /T1_0 1 Tf 0.025 Tc -41.118 -2.308 Td (Total assets)Tj /T1_1 1 Tf -0.025 Tw 16.555 0 Td (112,327,414)Tj 6.755 0 Td (33,124,610)Tj 5.705 0 Td (195,272,726)Tj 7.28 0 Td (2,066,581)Tj 5.18 0 Td (342,791,331)Tj ET 2.5 w q 1 0 0 1 266.4567 464.5927 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 266.4567 461.2602 cm 0 0 m 45.354 0 l S Q BT 0 Tc 0 Tw 9.1 0 0 13 260.7874 462.4937 Tm ( )Tj ET 2.5 w q 1 0 0 1 323.1496 464.5927 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 323.1496 461.2602 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 317.4803 462.4937 Tm ( )Tj ET 2.5 w q 1 0 0 1 379.8425 464.5927 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 379.8425 461.2602 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 374.1732 462.4937 Tm ( )Tj ET 2.5 w q 1 0 0 1 436.5354 464.5927 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 436.5354 461.2602 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 430.8661 462.4937 Tm ( )Tj ET 2.5 w q 1 0 0 1 493.2283 464.5927 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 493.2283 461.2602 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 487.559 462.4937 Tm ( )Tj /T1_0 1 Tf 0.025 Tc -41.118 -2.308 Td (Segment liabilities)Tj /T1_1 1 Tf -0.025 Tw 17.08 0 Td (96,344,032)Tj 5.705 0 Td (134,079,968)Tj 6.755 0 Td (86,506,403)Tj 8.08 0 Td (13,980)Tj 3.855 0 Td (316,944,383)Tj /T1_0 1 Tf 0 Tw -41.475 -1.154 Td (Deferred tax liabilities)Tj /T1_1 1 Tf 0 Tc 21.305 0 Td (\226)Tj 6.23 0 Td (\226)Tj 6.23 0 Td (\226)Tj 0.025 Tc -0.025 Tw 3.33 0 Td (100,333)Tj 6.23 0 Td (100,333)Tj /T1_0 1 Tf 0 Tw -43.325 -1.154 Td (Dividend payable)Tj /T1_1 1 Tf 0 Tc 21.305 0 Td (\226)Tj 6.23 0 Td (\226)Tj 6.23 0 Td (\226)Tj 0.025 Tc -0.025 Tw 2.53 0 Td (1,037,898)Tj 6.23 0 Td (1,037,898)Tj ET 0.5 w q 1 0 0 1 266.4565 398.0836 cm 0 0 m 45.354 0 l S Q BT 0 Tc 0 Tw 9.1 0 0 13 260.7873 399.4846 Tm ( )Tj ET q 1 0 0 1 323.1494 398.0836 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 317.4802 399.4846 Tm ( )Tj ET q 1 0 0 1 379.8424 398.0836 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 374.1731 399.4846 Tm ( )Tj ET q 1 0 0 1 436.5353 398.0836 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 430.866 399.4846 Tm ( )Tj ET q 1 0 0 1 493.2282 398.0836 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 487.5589 399.4846 Tm ( )Tj /T1_0 1 Tf 0.025 Tc -41.118 -2.308 Td (Total liabilities)Tj /T1_1 1 Tf -0.025 Tw 17.08 0 Td (96,344,032)Tj 5.705 0 Td (134,079,968)Tj 6.755 0 Td (86,506,403)Tj 6.755 0 Td (1,152,211)Tj 5.18 0 Td (318,082,614)Tj ET 2.5 w q 1 0 0 1 266.4565 363.92 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 266.4565 360.5876 cm 0 0 m 45.354 0 l S Q BT 0 Tc 0 Tw 9.1 0 0 13 260.7873 361.821 Tm ( )Tj ET 2.5 w q 1 0 0 1 323.1494 363.92 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 323.1494 360.5876 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 317.4802 361.821 Tm ( )Tj ET 2.5 w q 1 0 0 1 379.8424 363.92 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 379.8424 360.5876 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 374.1731 361.821 Tm ( )Tj ET 2.5 w q 1 0 0 1 436.5353 363.92 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 436.5353 360.5876 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 430.866 361.821 Tm ( )Tj ET 2.5 w q 1 0 0 1 493.2282 363.92 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 493.2282 360.5876 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 487.5589 361.821 Tm ( )Tj /T1_0 1 Tf 0.025 Tc -41.118 -2.308 Td (Other segment information)Tj 0 -1.154 TD (\226 Depreciation and amortisation)Tj /T1_1 1 Tf -0.025 Tw 18.405 0 Td (122,205)Tj 6.755 0 Td (56,113)Tj 6.23 0 Td (35,508)Tj 6.23 0 Td (14,565)Tj 5.705 0 Td (228,391)Tj /T1_0 1 Tf 0 Tw -43.325 -1.154 Td (\226 Capital expenditure)Tj /T1_1 1 Tf -0.025 Tw 18.93 0 Td (17,452)Tj 6.23 0 Td (14,833)Tj 6.23 0 Td (10,988)Tj 6.755 0 Td (4,804)Tj 5.705 0 Td (48,077)Tj ET 2.5 w q 1 0 0 1 266.4566 296.2565 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 266.4566 292.924 cm 0 0 m 45.354 0 l S Q BT 0 Tc 0 Tw 9.1 0 0 13 260.7873 294.1575 Tm ( )Tj ET 2.5 w q 1 0 0 1 323.1495 296.2565 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 323.1495 292.924 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 317.4802 294.1575 Tm ( )Tj ET 2.5 w q 1 0 0 1 379.8424 296.2565 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 379.8424 292.924 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 374.1731 294.1575 Tm ( )Tj ET 2.5 w q 1 0 0 1 436.5353 296.2565 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 436.5353 292.924 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 430.866 294.1575 Tm ( )Tj ET 2.5 w q 1 0 0 1 493.2282 296.2565 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 493.2282 292.924 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 487.5589 294.1575 Tm ( )Tj ET endstream endobj 83 0 obj <>stream BT 0 0 0 1 k /Perceptual ri /GS0 gs /T1_0 1 Tf 0.025 Tc 12 0 0 12 281.8878 18.7502 Tm (\226 94 \226)Tj /T1_1 1 Tf -0.025 Tw 13 0 0 13 85.0394 776.409 Tm (Others)Tj /T1_0 1 Tf 0.044 Tc 0.07 Tw 0 -2.462 TD [(T)0.5 (h)0.5 (e)0.6 (s)0.5 (e)13 ( )0.6 (r)0.5 (e)0.5 (p)0.5 (r)0.5 (e)0.6 (s)0.5 (e)0.5 (n)0.5 (t)13 ( )0.6 (a)0.5 (s)0.5 (s)0.5 (e)0.6 (t)0.5 (s)0.5 (,)13 ( )0.5 (l)0.6 (i)0.5 (a)0.5 (b)0.5 (i)0.5 (l)0.5 (i)0.6 (t)0.5 (i)0.5 (e)0.5 (s)0.5 (,)13.1 ( )0.5 (i)0.5 (n)0.5 (c)0.5 (o)0.6 (m)0.5 (e)13 ( )0.5 (a)0.6 (n)0.5 (d)13 ( )0.5 (e)0.5 (x)0.5 (p)0.6 (e)0.5 (n)0.5 (s)0.5 (e)0.6 (s)13 ( )0.5 (w)0.5 (h)0.6 (i)0.5 (c)0.5 (h)13 ( )0.5 (c)0.6 (a)0.5 (n)0.5 (n)0.5 (o)0.5 (t)13 ( )0.6 (d)0.5 (i)0.5 (r)0.5 (e)0.6 (c)0.5 (t)0.5 (l)0.5 (y)19 ( )]TJ 0.025 Tc 0 Tw 0 -1.231 TD (attributable or cannot be allocated to a segment on a reasonable basis.)Tj 0.028 Tc 0.08 Tw 0 -2.462 TD [(M)0.5 (e)0.5 (a)0.5 (s)0.5 (u)0.5 (r)0.5 (e)0.5 (m)0.5 (e)0.5 (n)0.5 (t)3 ( )0.5 (o)0.5 (f)3 ( )0.5 (s)0.5 (e)0.5 (g)0.5 (m)0.5 (e)0.5 (n)0.5 (t)3 ( )0.5 (a)0.5 (s)0.5 (s)0.5 (e)0.6 (ts)3 ( )0.6 (a)0.5 (n)0.5 (d)3 ( )0.5 (li)0.5 (a)0.6 (bi)0.5 (l)0.5 (i)0.5 (t)0.5 (i)0.5 (e)0.5 (s)3 ( )0.5 (a)0.6 (n)0.5 (d)2.9 ( )0.6 (of)3.1 ( s)0.6 (e)0.5 (g)0.5 (me)0.6 (n)0.5 (t)2.9 ( )0.6 (in)0.5 (c)0.6 (om)0.5 (e)0.5 (,)3 ( )0.6 (e)0.5 (x)0.5 (pe)0.5 (n)0.5 (s)0.6 (e)0.5 (s)3 ( )]TJ 0.025 Tc 0 Tw 0 -1.231 TD (and results is based on the Group\222s accounting policies.)Tj 0.037 Tw 0 -2.462 TD (Internal charges and transfer prices are determined with reference to ma\ rket rates )Tj 0.048 Tc 0.07 Tw 0 -1.231 TD [(and)12.7 ( have)12.7 ( been)12.6 ( reflected)12.6 ( in)12.7 ( the)12.6 ( performance)12.6 ( of)12.6 ( each)12.6 ( segment.)12.6 ( Interest)12.6 ( income)23 ( )]TJ 0.045 Tc T* [(and)12.1 ( expense)12.1 ( earned)12.1 ( from)12.1 ( third)12.1 ( parties)12.1 ( are)12.1 ( referred)12.1 ( to)12.1 ( as)12.1 ( \223external)12.1 ( net)12.1 ( interest)20 ( )]TJ 0.026 Tc 0.082 Tw T* [(income/expense\224.)1 ( )0.5 (Net)1 ( )0.5 (interest)1 ( )0.5 (income)1 ( )0.5 (and)1 ( )0.5 (expense)1 ( )0.5 (arising)1 ( )0.5 (from)1 ( )0.6 (internal)0.9 ( )0.6 (charges)1 ( )]TJ 0.029 Tc 0.079 Tw T* [(and)4 ( )0.5 (transfer)4 ( )0.5 (pricing)4 ( )0.5 (adjustments)4 ( )0.5 (are)4 ( )0.5 (referred)4 ( )0.5 (to)4 ( )0.5 (as)4 ( )0.5 (\223internal)4 ( )0.5 (net)4 ( )0.5 (interest)4 ( )0.5 (income/)]TJ 0.025 Tc -0.025 Tw T* (\(expense\)\224.)Tj 0.023 Tc 0 Tw 0 -2.462 TD [(S)0.5 (e)0.6 (g)0.6 (m)0.5 (e)0.5 (n)0.6 (t)0.5 ( )0.6 (i)0.5 (n)0.6 (c)0.5 (o)0.6 (m)0.5 (e)0.6 (,)0.5 ( )0.6 (e)0.5 (x)0.6 (p)0.5 (e)0.6 (n)0.5 (s)0.6 (e)0.6 (s)0.5 (,)0.6 ( )0.5 (a)0.6 (s)0.5 (s)0.6 (e)0.5 (t)0.6 (s)0.5 ( )0.6 (a)0.5 (n)0.6 (d)0.5 ( )0.6 (l)0.5 (i)0.5 (a)0.6 (b)0.6 (i)0.5 (l)0.6 (i)0.5 (t)0.5 (i)0.6 (e)0.6 (s)0.5 ( )0.6 (i)0.5 (n)0.5 (c)0.6 (l)0.5 (u)0.6 (d)0.5 (e)0.6 ( )0.5 (i)0.6 (t)0.5 (e)0.6 (m)0.5 (s)0.6 ( )0.5 (d)0.6 (i)0.5 (r)0.6 (e)0.5 (c)0.6 (t)0.6 (l)0.5 (y)0.5 ( )0.6 (a)0.5 (t)0.6 (t)0.5 (r)0.6 (i)0.5 (b)0.6 (u)0.5 (t)0.6 (a)0.5 (b)0.6 (l)0.5 (e)-2 ( )]TJ 0.07 Tc 0.07 Tw 0 -1.231 TD [(to)12.4 ( a)12.4 ( segment)12.4 ( as)12.4 ( well)12.4 ( as)12.4 ( those)12.4 ( that)12.5 ( can)12.4 ( be)12.5 ( allocated)12.4 ( on)12.4 ( a)12.5 ( reasonable)12.4 ( basis.)45 ( )]TJ 0.025 Tc 0.049 Tw T* (Segment income and expenses are determined before intra-group transactio\ ns are )Tj 0.001 Tw T* (eliminated as part of the consolidation process. Segment capital expendi\ ture is the )Tj 0.029 Tw T* [(total )0.5 (cost )0.5 (incurred )0.6 (during )0.5 (the )0.6 (reporting )0.6 (period )0.5 (to )0.5 (acquire )0.5 (property )0.5 (and )0.6 (equipment, )]TJ 0 Tw 0 -1.231 TD (land use rights and other long-term assets.)Tj /T1_1 1 Tf 0 -2.462 TD [(\(a\) )-664.5 (Segment results, assets and liabilities)]TJ 9.1 0 0 13 337.2821 393.409 Tm (Six months ended June 30, 2019)Tj -0.025 Tw -7.442 -2.308 Td (Corporate )Tj 0.991 -1.154 Td (banking)Tj 7.202 1.154 Td (Retail )Tj -0.972 -1.154 Td (banking)Tj 5.681 2.308 Td (Financial )Tj 0.966 -1.154 Td (market )Tj -1.49 -1.154 Td (operations)Tj 7.886 0 Td (Others)Tj 6.921 0 Td (Total)Tj 9.1 0 3.4833 13 271.2017 333.409 Tm (RMB\222000)Tj 6.23 0 Td (RMB\222000)Tj 6.23 0 Td (RMB\222000)Tj 6.23 0 Td (RMB\222000)Tj 6.23 0 Td (RMB\222000)Tj 9.1 0 0 13 262.5168 318.409 Tm (\(Unaudited\))Tj 6.23 0 Td (\(Unaudited\))Tj 6.23 0 Td (\(Unaudited\))Tj 6.23 0 Td (\(Unaudited\))Tj 6.23 0 Td (\(Unaudited\))Tj /T1_0 1 Tf 0 Tw -41.308 -2.308 Td (Operating income)Tj 0.623 -1.154 Td (External net interest income/)Tj -0.025 Tw 0.623 -1.154 Td (\(expense\))Tj /T1_1 1 Tf 16.359 0 Td (2,549,741)Tj 5.847 0 Td (\(1,133,672\))Tj 6.613 0 Td (1,456,133)Tj 0 Tc 0 Tw 9.93 0 Td (\226)Tj 0.025 Tc -0.025 Tw 2.53 0 Td (2,872,202)Tj /T1_0 1 Tf 0 Tw -41.902 -1.154 Td (Internal net interest \(expense\)/)Tj -0.025 Tw 0.623 -1.154 Td (income)Tj /T1_1 1 Tf 16.776 0 Td (\(585,806\))Tj 5.813 0 Td (1,873,152)Tj 5.847 0 Td (\(1,287,346\))Tj 0 Tc 0 Tw 10.313 0 Td (\226)Tj 6.23 0 Td (\226)Tj ET 0 0 0 1 K 0.5 w q 1 0 0 1 266.4566 223.9989 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 260.7873 225.3999 Tm ( )Tj ET q 1 0 0 1 323.1495 223.9989 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 317.4802 225.3999 Tm ( )Tj ET q 1 0 0 1 379.8424 223.9989 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 374.1732 225.3999 Tm ( )Tj ET q 1 0 0 1 436.5353 223.9989 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 430.8661 225.3999 Tm ( )Tj ET q 1 0 0 1 493.2282 223.9989 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 487.559 225.3999 Tm ( )Tj /T1_0 1 Tf 0.025 Tc -40.495 -2.308 Td (Net interest income)Tj /T1_1 1 Tf -0.025 Tw 16.982 0 Td (1,963,935)Tj 7.03 0 Td (739,480)Tj 6.23 0 Td (168,787)Tj 0 Tc 0 Tw 9.13 0 Td (\226)Tj 0.025 Tc -0.025 Tw 2.53 0 Td (2,872,202)Tj /T1_0 1 Tf 0 Tw -41.902 -1.154 Td (Net fee and commission income)Tj /T1_1 1 Tf -0.025 Tw 18.307 0 Td (75,624)Tj 6.23 0 Td (17,695)Tj 6.23 0 Td (10,281)Tj 6.755 0 Td (9,727)Tj 5.18 0 Td (113,327)Tj /T1_0 1 Tf 0 Tw -42.702 -1.154 Td (Net trading gains)Tj /T1_1 1 Tf 0 Tc 20.682 0 Td (\226)Tj 6.23 0 Td (\226)Tj 0.025 Tc -0.025 Tw 3.33 0 Td (852,617)Tj 0 Tc 0 Tw 9.13 0 Td (\226)Tj 0.025 Tc -0.025 Tw 3.33 0 Td (852,617)Tj /T1_0 1 Tf 0.02 Tc 0 Tw -42.702 -1.154 Td (Net gains arising from investment )Tj -0.02 Tw 0.623 -1.154 Td (securities)Tj /T1_1 1 Tf 0 Tc 0 Tw 20.059 0 Td (\226)Tj 6.23 0 Td (\226)Tj 0.025 Tc -0.025 Tw 3.855 0 Td (15,457)Tj 0 Tc 0 Tw 8.605 0 Td (\226)Tj 0.025 Tc -0.025 Tw 3.855 0 Td (15,457)Tj /T1_0 1 Tf 0 Tw -43.227 -1.154 Td (Foreign exchange gain)Tj /T1_1 1 Tf 0 Tc 20.682 0 Td (\226)Tj 6.23 0 Td (\226)Tj 6.23 0 Td (\226)Tj 0.025 Tc -0.025 Tw 4.38 0 Td (8,467)Tj 6.23 0 Td (8,467)Tj /T1_0 1 Tf 0 Tw -43.752 -1.154 Td (Other operating expense, net)Tj /T1_1 1 Tf 0 Tc 20.682 0 Td (\226)Tj 6.23 0 Td (\226)Tj 6.23 0 Td (\226)Tj 0.025 Tc -0.025 Tw 3.997 0 Td (\(4,141\))Tj 6.23 0 Td (\(4,141\))Tj ET q 1 0 0 1 266.4564 100.9899 cm 0 0 m 45.354 0 l S Q BT 0 Tc 0 Tw 9.1 0 0 13 260.7871 102.3909 Tm ( )Tj ET q 1 0 0 1 323.1493 100.9899 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 317.48 102.3909 Tm ( )Tj ET q 1 0 0 1 379.8422 100.9899 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 374.1729 102.3909 Tm ( )Tj ET q 1 0 0 1 436.5351 100.9899 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 430.8658 102.3909 Tm ( )Tj ET q 1 0 0 1 493.228 100.9899 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 487.5587 102.3909 Tm ( )Tj ET endstream endobj 82 0 obj <>stream BT 0 0 0 1 k /Perceptual ri /GS0 gs /T1_0 1 Tf 0.025 Tc 12 0 0 12 281.8878 18.7502 Tm (\226 93 \226)Tj /T1_1 1 Tf 0.581 Tw 13 0 0 13 56.6929 776.409 Tm [(18. )0.5 (DIVIDENDS)]TJ 0 Tw 24.422 -2.462 Td (June 30, 2019)Tj /T1_0 1 Tf 6.764 0 Td (June 30, 2018)Tj /T1_1 1 Tf -0.025 Tw 13 0 3.4833 13 396.1017 728.409 Tm (RMB\222000)Tj /T1_0 1 Tf 6.651 0 Td (RMB\222000)Tj /T1_1 1 Tf 13 0 0 13 383.123 712.409 Tm (\(Unaudited\))Tj /T1_0 1 Tf 6.876 0 Td (\(Unaudited\))Tj 0 Tw -29.806 -2.462 Td (2018 final dividend )Tj 13 0 3.4833 13 195.2838 680.409 Tm (\(Note a\))Tj /T1_1 1 Tf -0.025 Tw 13 0 0 13 398.9433 680.409 Tm (1,029,365)Tj /T1_0 1 Tf 0 Tc 0 Tw 10.241 0 Td (\226)Tj ET 0 0 0 1 K 2.5 w q 1 0 0 1 379.8425 674.8444 cm 0 0 m 73.701 0 l S Q 0.835 w q 1 0 0 1 379.8426 671.5119 cm 0 0 m 73.701 0 l S Q BT /T1_1 1 Tf 13 0 0 13 374.1732 672.7454 Tm ( )Tj ET 2.5 w q 1 0 0 1 464.8819 674.8444 cm 0 0 m 73.701 0 l S Q 0.835 w q 1 0 0 1 464.8819 671.5119 cm 0 0 m 73.701 0 l S Q BT /T1_0 1 Tf 13 0 0 13 459.2126 672.7454 Tm ( )Tj 0.025 Tc -0.025 Tw 11 0 2.9474 11 83.9105 644.3964 Tm (Note:)Tj 0.072 Tc 0.07 Tw 11 0 0 11 85.0394 616.3964 Tm [(\()47 (a)47 (\))47 ( )-999.9 (Pursuant)12.1 ( to)12.1 ( the)12.1 ( resolution)12.1 ( of)12.1 ( the)12.1 ( shareholders)12.1 ( meeting)12.1 ( on)12.1 ( June)12.1 ( 4)12.1 (,)12.1 ( 2)12.1 (0)12.1 (1)12.1 (9)12 (,)12.1 ( the)12.1 ( Bank)47 ( )]TJ 0.03 Tc 0.078 Tw 2.577 -1.273 Td [(declared)5 ( )0.5 (cash)5 ( )0.5 (dividends)5 ( )0.5 (of)5 ( )0.5 (approximately)5 ( )0.5 (RMB)5 (0)5 (.)5 (1)5 (0)5 (2)5 (2)5 ( )0.5 (per)5 ( )0.5 (share)5 ( )0.5 (\(tax)5 ( )0.5 (included\))5 ( )0.5 (based)5 ( )0.5 (on)5 ( )]TJ 0.043 Tc 0.07 Tw 0 -1.273 TD [(1)12.9 (0)12.9 (,)12.9 (0)12.8 (6)12.9 (9)12.9 (,)12.9 (7)12.8 (9)12.9 (1)12.9 (,)12.9 (0)12.9 (0)12.9 (0)12.8 ( shares)12.9 ( held)12.9 ( amounting)12.8 ( to)12.9 ( approximately)12.9 ( RM)0.5 (B)12.8 (1)12.9 (,)12.9 (0)12.9 (2)12.9 (9)12.9 (,)12.8 (3)12.9 (6)12.9 (5)12.9 (,)12.9 (0)12.8 (0)12.9 (0)12.9 ( during)12.9 ( the)18 ( )]TJ 0.025 Tc 0 Tw 0 -1.273 TD (period ended June 30, 2019.)Tj /T1_1 1 Tf 13 0 0 13 56.6929 542.3964 Tm [(19. )-580.5 (SEGMENT REPORTING)]TJ /T1_0 1 Tf 0.066 Tc 0.07 Tw 2.181 -2.462 Td [(The)12.6 ( Group)12.6 ( manages)12.6 ( its)12.6 ( business)12.6 ( by)12.6 ( business)12.6 ( lines)12.6 ( and)12.6 ( geographical)12.6 ( areas.)41 ( )]TJ 0.024 Tc 0 Tw 0 -1.231 TD [(Consistent with the way in which information is reported internally to t\ he Group\222s)-1 ( )]TJ 0.039 Tc 0.07 Tw T* [(most)12.4 ( senior)12.4 ( executive)12.5 ( management)12.4 ( for)12.4 ( the)12.4 ( purposes)12.4 ( of)12.4 ( resource)12.4 ( allocation)12.5 ( and)14 ( )]TJ 0.053 Tc T* [(performance)12.4 ( assessment,)12.4 ( the)12.4 ( Group)12.5 ( defines)12.4 ( reporting)12.4 ( segments)12.4 ( based)12.4 ( on)12.4 ( the)28 ( )]TJ 0.025 Tc 0 Tw T* (following operating segments:)Tj /T1_1 1 Tf 0 -2.462 TD (Corporate banking)Tj /T1_0 1 Tf 0.063 Tc 0.07 Tw 0 -2.462 TD [(This)12.2 ( segment)12.2 ( represents)12.1 ( the)12.2 ( provision)12.2 ( of)12.2 ( a)12.2 ( range)12.2 ( of)12.2 ( 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( )]TJ 0.025 Tc 0 Tw T* (guarantee services.)Tj /T1_1 1 Tf 0 -2.462 TD (Retail banking)Tj /T1_0 1 Tf 0.063 Tc 0.07 Tw T* [(This)12.2 ( segment)12.2 ( represents)12.1 ( the)12.2 ( provision)12.2 ( of)12.2 ( a)12.2 ( range)12.2 ( of)12.2 ( financial)12.2 ( products)12.1 ( and)38 ( )]TJ 0.025 Tc 0.083 Tw 0 -1.231 TD [(services to )0.5 (retail )0.5 (customers. )0.5 (These )0.5 (products )0.5 (and )0.5 (services )0.5 (include )0.5 (personal )0.5 (loans, )]TJ 0.065 Tc 0.07 Tw T* [(deposit)12.1 ( taking)12.1 ( activities,)12 ( bank)12.1 ( card)12.1 ( business,)12.1 ( personal)12.1 ( wealth)12.1 ( management)40 ( )]TJ 0.025 Tc 0 Tw T* (services and remittance services.)Tj /T1_1 1 Tf 0 -2.462 TD (Financial market operations)Tj /T1_0 1 Tf 0.057 Tc 0.07 Tw 0 -2.462 TD [(This)12.6 ( segment)12.6 ( covers)12.5 ( the)12.7 ( Group\222s)12.6 ( financial)12.6 ( market)12.6 ( operations.)12.6 ( The)12.6 ( financial)32 ( )]TJ 0.026 Tc 0.082 Tw 0 -1.231 TD [(ma)0.5 (rk)0.5 (et)1 ( )0.5 (op)0.5 (er)0.5 (atio)0.5 (ns)1 ( )0.5 (e)0.5 (nte)0.5 (rs)1 ( )0.5 (i)0.5 (nto)1 ( )0.5 (in)0.5 (te)0.5 (r-b)0.5 (an)0.5 (k)0.9 ( )0.6 (mon)0.5 (ey)1 ( )0.5 (ma)0.5 (rke)0.5 (t)1 ( )0.5 (tr)0.5 (ans)0.5 (ac)0.5 (tio)0.5 (ns,)1 ( )0.5 (r)0.5 (ep)0.5 (urc)0.5 (ha)0.5 (ses)1 ( )]TJ 0.057 Tc 0.07 Tw T* [(transactions)12.7 ( and)12.7 ( investments.)12.8 ( It)12.7 ( also)12.7 ( trades)12.7 ( in)12.8 ( debt)12.7 ( securities.)12.7 ( The)12.7 ( financial)32 ( )]TJ 0.025 Tc 0 Tw T* (market segment also covers management of the Group\222s overall liquidit\ y position, )Tj T* (including the issuance of debts.)Tj ET endstream endobj 81 0 obj <>stream BT 0 0 0 1 k /Perceptual ri /GS0 gs /T1_0 1 Tf 0.025 Tc 12 0 0 12 281.8878 18.7502 Tm (\226 92 \226)Tj /T1_1 1 Tf 0.159 Tc 0.07 Tw 13 0 0 13 56.6929 776.409 Tm [(1)134 (6)134 (.)134 ( )-376.5 (DE)0.5 (BT)13 ( IN)0.5 (ST)0.5 (RU)0.5 (MEN)0.5 (TS)13 ( A)0.5 (T)12.9 ( F)0.5 (AI)0.5 (R)12.9 ( V)0.5 (AL)0.5 (UE)13 ( TH)0.5 (ROU)0.5 (GH)13 ( OT)0.5 (HER)134.1 ( )]TJ 0.025 Tc 0 Tw 2.181 -1.115 Td (COMPREHENSIVE INCOME)Tj -0.025 Tw 27.266 -2.231 Td (At )Tj 0 Tw -2.651 -1.115 Td (June 30,)Tj /T1_0 1 Tf -0.025 Tw 9.247 1.115 Td (At )Tj 0 Tw -4.859 -1.115 Td (December 31,)Tj /T1_1 1 Tf -0.025 Tw -2.733 -1.115 Td (2019)Tj /T1_0 1 Tf 6.541 0 Td (2018)Tj /T1_1 1 Tf 13 0 3.4833 13 396.1017 689.4089 Tm (RMB\222000)Tj /T1_0 1 Tf 6.651 0 Td (RMB\222000)Tj /T1_1 1 Tf 13 0 0 13 383.123 674.9089 Tm (\(Unaudited\))Tj /T1_0 1 Tf 7.87 0 Td (\(Audited\))Tj /T1_1 1 Tf 0 Tw -30.8 -2.231 Td (Debt instruments at FVTOCI)Tj 0 Tc 27.796 0 Td ( )Tj /T1_0 1 Tf 6.541 0 Td ( )Tj 0.025 Tc -34.338 -1.115 Td (Debt securities issued by the following institutions )Tj 0.654 -1.115 Td (in Mainland China)Tj 0 -1.115 TD (\226 Government)Tj /T1_1 1 Tf -0.025 Tw 23.492 0 Td (4,379,926)Tj /T1_0 1 Tf 6.541 0 Td (4,869,958)Tj 0 Tw -30.034 -1.115 Td (\226 Banks and other financial institutions)Tj /T1_1 1 Tf -0.025 Tw 22.967 0 Td (11,446,062)Tj /T1_0 1 Tf 6.541 0 Td (10,037,993)Tj 0 Tw -29.509 -1.115 Td (\226 Corporations)Tj /T1_1 1 Tf -0.025 Tw 24.292 0 Td (342,080)Tj /T1_0 1 Tf 6.541 0 Td (341,146)Tj ET 0 0 0 1 K 0.5 w q 1 0 0 1 379.8425 568.9989 cm 0 0 m 73.701 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 13 0 0 13 374.1732 570.3999 Tm ( )Tj ET q 1 0 0 1 464.8819 568.9989 cm 0 0 m 73.701 0 l S Q BT /T1_0 1 Tf 13 0 0 13 459.2126 570.3999 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -0.025 Tw -5.161 -2.231 Td (16,168,068)Tj /T1_0 1 Tf 6.541 0 Td (15,249,097)Tj ET 2.5 w q 1 0 0 1 379.8425 535.8353 cm 0 0 m 73.701 0 l S Q 0.835 w q 1 0 0 1 379.8426 532.5028 cm 0 0 m 73.701 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 13 0 0 13 374.1732 533.7363 Tm ( )Tj ET 2.5 w q 1 0 0 1 464.8819 535.8353 cm 0 0 m 73.701 0 l S Q 0.835 w q 1 0 0 1 464.8819 532.5028 cm 0 0 m 73.701 0 l S Q BT /T1_0 1 Tf 13 0 0 13 459.2126 533.7363 Tm ( )Tj 0.025 Tc -28.783 -2.231 Td (Analysed as:)Tj 0.654 -1.115 Td (Listed inside Hong Kong)Tj /T1_1 1 Tf -0.025 Tw 24.292 0 Td (343,593)Tj /T1_0 1 Tf 0 Tc 0 Tw 9.441 0 Td (\226)Tj 0.025 Tc -33.734 -1.115 Td (Listed outside Hong Kong)Tj /T1_1 1 Tf -0.025 Tw 22.967 0 Td (15,824,475)Tj /T1_0 1 Tf 6.541 0 Td (15,249,097)Tj ET 0.5 w q 1 0 0 1 379.8425 471.3263 cm 0 0 m 73.701 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 13 0 0 13 374.1732 472.7272 Tm ( )Tj ET q 1 0 0 1 464.8819 471.3263 cm 0 0 m 73.701 0 l S Q BT /T1_0 1 Tf 13 0 0 13 459.2126 472.7272 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -0.025 Tw -5.161 -2.231 Td (16,168,068)Tj /T1_0 1 Tf 6.541 0 Td (15,249,097)Tj ET 2.5 w q 1 0 0 1 379.8425 438.1627 cm 0 0 m 73.701 0 l S Q 0.835 w q 1 0 0 1 379.8426 434.8302 cm 0 0 m 73.701 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 13 0 0 13 374.1732 436.0637 Tm ( )Tj ET 2.5 w q 1 0 0 1 464.8819 438.1627 cm 0 0 m 73.701 0 l S Q 0.835 w q 1 0 0 1 464.8819 434.8302 cm 0 0 m 73.701 0 l S Q BT /T1_0 1 Tf 13 0 0 13 459.2126 436.0637 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -30.963 -2.335 Td [(17. )-580.5 (DEBT SECURITIES ISSUED)]TJ -0.025 Tw 29.447 -2.462 Td (At )Tj 0 Tw -2.651 -1.231 Td (June 30,)Tj /T1_0 1 Tf -0.025 Tw 9.247 1.231 Td (At )Tj 0 Tw -4.859 -1.231 Td (December 31,)Tj /T1_1 1 Tf -0.025 Tw -2.733 -1.231 Td (2019)Tj /T1_0 1 Tf 6.541 0 Td (2018)Tj /T1_1 1 Tf 13 0 3.4833 13 396.1017 325.7147 Tm (RMB\222000)Tj /T1_0 1 Tf 6.651 0 Td (RMB\222000)Tj /T1_1 1 Tf 13 0 0 13 383.123 309.7147 Tm (\(Unaudited\))Tj /T1_0 1 Tf 7.87 0 Td (\(Audited\))Tj 0 Tw -30.8 -2.462 Td (Fixed rates financial bonds)Tj /T1_1 1 Tf -0.025 Tw 24.146 0 Td (5,997,223)Tj /T1_0 1 Tf 6.541 0 Td (5,996,352)Tj 0 Tw -30.688 -1.231 Td (Fixed rate tier-two capital bonds issued)Tj /T1_1 1 Tf -0.025 Tw 24.146 0 Td (3,195,785)Tj /T1_0 1 Tf 6.541 0 Td (3,194,430)Tj 0 Tw -30.688 -1.231 Td (Interbank deposits)Tj /T1_1 1 Tf -0.025 Tw 23.621 0 Td (34,243,863)Tj /T1_0 1 Tf 6.541 0 Td (32,385,991)Tj ET 0.5 w q 1 0 0 1 379.8425 241.3047 cm 0 0 m 73.701 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 13 0 0 13 374.1732 242.7057 Tm ( )Tj ET q 1 0 0 1 464.8819 241.3047 cm 0 0 m 73.701 0 l S Q BT /T1_0 1 Tf 13 0 0 13 459.2126 242.7057 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -0.025 Tw -5.161 -2.462 Td (43,436,871)Tj /T1_0 1 Tf 6.541 0 Td (41,576,773)Tj ET 2.5 w q 1 0 0 1 379.8425 205.1411 cm 0 0 m 73.701 0 l S Q 0.835 w q 1 0 0 1 379.8426 201.8086 cm 0 0 m 73.701 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 13 0 0 13 374.1732 203.0421 Tm ( )Tj ET 2.5 w q 1 0 0 1 464.8819 205.1411 cm 0 0 m 73.701 0 l S Q 0.835 w q 1 0 0 1 464.8819 201.8086 cm 0 0 m 73.701 0 l S Q BT /T1_0 1 Tf 13 0 0 13 459.2126 203.0421 Tm ( )Tj ET endstream endobj 77 0 obj <>stream BT 0 0 0 1 k /Perceptual ri /GS0 gs /T1_0 1 Tf 0.025 Tc 12 0 0 12 281.8878 18.7502 Tm (\226 91 \226)Tj /T1_1 1 Tf 13 0 0 13 56.6929 776.409 Tm [(15. )-580.5 (FINANCIAL ASSETS AT FAIR VALUE THROUGH PROFIT OR LOSS)]TJ -0.025 Tw 29.447 -2.462 Td (At )Tj 0 Tw -2.651 -1.231 Td (June 30,)Tj /T1_0 1 Tf -0.025 Tw 9.247 1.231 Td (At )Tj 0 Tw -4.859 -1.231 Td (December 31,)Tj /T1_1 1 Tf -0.025 Tw -2.733 -1.231 Td (2019)Tj /T1_0 1 Tf 6.541 0 Td (2018)Tj /T1_1 1 Tf 13 0 3.4833 13 396.1017 696.4089 Tm (RMB\222000)Tj /T1_0 1 Tf 6.651 0 Td (RMB\222000)Tj /T1_1 1 Tf 13 0 0 13 383.123 680.4089 Tm (\(Unaudited\))Tj /T1_0 1 Tf 7.87 0 Td (\(Audited\))Tj 0 Tw -30.8 -2.462 Td (Financial assets held for trading )Tj 13 0 3.4833 13 264.0913 648.4089 Tm (\(Note \(i\)\))Tj /T1_1 1 Tf -0.025 Tw 13 0 0 13 398.9433 648.4089 Tm (6,987,091)Tj /T1_0 1 Tf 6.541 0 Td (8,811,736)Tj 0 Tw -30.688 -1.231 Td (Trust plans)Tj /T1_1 1 Tf -0.025 Tw 24.946 0 Td (802,010)Tj /T1_0 1 Tf 6.541 0 Td (263,294)Tj 0 Tw -31.488 -1.231 Td (Asset management plans)Tj /T1_1 1 Tf -0.025 Tw 23.621 0 Td (25,722,273)Tj /T1_0 1 Tf 6.541 0 Td (25,341,432)Tj 0 Tw -30.163 -1.231 Td (Investment funds)Tj /T1_1 1 Tf -0.025 Tw 24.146 0 Td (6,966,466)Tj /T1_0 1 Tf 6.541 0 Td (6,970,953)Tj 0 Tw -30.688 -1.231 Td (Other debt securities )Tj 13 0 3.4833 13 201.6917 584.4089 Tm (\(Note \(ii\)\))Tj /T1_1 1 Tf -0.025 Tw 13 0 0 13 409.3433 584.4089 Tm (712,686)Tj /T1_0 1 Tf 5.741 0 Td (1,173,558)Tj ET 0 0 0 1 K 0.5 w q 1 0 0 1 379.8425 579.9989 cm 0 0 m 73.701 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 13 0 0 13 374.1732 581.3999 Tm ( )Tj ET q 1 0 0 1 464.8819 579.9989 cm 0 0 m 73.701 0 l S Q BT /T1_0 1 Tf 13 0 0 13 459.2126 581.3999 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -0.025 Tw -5.161 -2.462 Td (41,190,526)Tj /T1_0 1 Tf 6.541 0 Td (42,560,973)Tj ET 2.5 w q 1 0 0 1 379.8425 543.8353 cm 0 0 m 73.701 0 l S Q 0.835 w q 1 0 0 1 379.8426 540.5028 cm 0 0 m 73.701 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 13 0 0 13 374.1732 541.7363 Tm ( )Tj ET 2.5 w q 1 0 0 1 464.8819 543.8353 cm 0 0 m 73.701 0 l S Q 0.835 w q 1 0 0 1 464.8819 540.5028 cm 0 0 m 73.701 0 l S Q BT /T1_0 1 Tf 13 0 0 13 459.2126 541.7363 Tm ( )Tj 0.025 Tc -28.783 -1.231 Td (Analysed as:)Tj 0.654 -1.231 Td (Listed outside Hong Kong)Tj /T1_1 1 Tf -0.025 Tw 23.492 0 Td (6,987,091)Tj /T1_0 1 Tf 6.541 0 Td (8,811,736)Tj 0 Tw -30.034 -1.231 Td (Unlisted outside Hong Kong)Tj /T1_1 1 Tf -0.025 Tw 22.967 0 Td (34,203,435)Tj /T1_0 1 Tf 6.541 0 Td (33,749,237)Tj ET 0.5 w q 1 0 0 1 379.8425 489.3263 cm 0 0 m 73.701 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 13 0 0 13 374.1732 490.7272 Tm ( )Tj ET q 1 0 0 1 464.8819 489.3263 cm 0 0 m 73.701 0 l S Q BT /T1_0 1 Tf 13 0 0 13 459.2126 490.7272 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -0.025 Tw -5.161 -2.462 Td (41,190,526)Tj /T1_0 1 Tf 6.541 0 Td (42,560,973)Tj ET 2.5 w q 1 0 0 1 379.8425 453.1627 cm 0 0 m 73.701 0 l S Q 0.835 w q 1 0 0 1 379.8426 449.8302 cm 0 0 m 73.701 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 13 0 0 13 374.1732 451.0637 Tm ( )Tj ET 2.5 w q 1 0 0 1 464.8819 453.1627 cm 0 0 m 73.701 0 l S Q 0.835 w q 1 0 0 1 464.8819 449.8302 cm 0 0 m 73.701 0 l S Q BT /T1_0 1 Tf 13 0 0 13 459.2126 451.0637 Tm ( )Tj 0.025 Tc -0.025 Tw 11 0 2.9474 11 83.9105 422.7147 Tm (Notes:)Tj /T1_1 1 Tf 0 Tw 11 0 0 11 85.0394 397.7148 Tm [(\(i\) )-1283 (Financial assets held for trading:)]TJ -0.025 Tw 32.42 -2.273 Td (At )Tj 0 Tw -2.651 -1.136 Td (June 30,)Tj /T1_0 1 Tf -0.025 Tw 10.437 1.136 Td (At )Tj 0 Tw -4.859 -1.136 Td (December 31,)Tj /T1_1 1 Tf -0.025 Tw -3.922 -1.136 Td (2019)Tj /T1_0 1 Tf 7.731 0 Td (2018)Tj /T1_1 1 Tf 11 0 2.9474 11 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The depreciati\ on starts at )Tj 0 Tw T* (the commencement date of the lease.)Tj 0.029 Tc 0.079 Tw 0 -2.462 TD [(The)4 ( )0.5 (Group)4 ( )0.5 (presents)4 ( )0.5 (right-of-use)4 ( )0.5 (assets)4 ( )0.5 (as)4 ( )0.5 (a)4.1 ( )0.5 (separate)4 ( )0.6 (line)4 ( )0.5 (item)4 ( )0.5 (on)4 ( )0.5 (the)4 ( )0.5 (condensed)4 ( )]TJ 0.025 Tc 0 Tw 0 -1.231 TD (consolidated statement of financial position.)Tj 0.027 Tc 0.081 Tw 0 -2.462 TD [(The)2 ( )0.5 (Group)1.9 ( )0.5 (applies)2 ( )0.5 (IAS)2 ( )0.5 (3)2 (6)2 ( )0.5 (to)2 ( )0.5 (determine)2 ( )0.5 (whether)2 ( )0.5 (a)2 ( )0.5 (right-of-use)2 ( )0.5 (asset)2 ( is)2 ( )0.5 (impaired)2 ( )]TJ 0.045 Tc 0.07 Tw 0 -1.231 TD [(and)12.7 ( accounts)12.7 ( for)12.7 ( any)12.8 ( identified)12.8 ( impairment)12.8 ( loss)12.8 ( as)12.8 ( described)12.8 ( in)12.8 ( the)12.8 ( \223Property)20 ( )]TJ 0.047 Tc T* [(and)12.3 ( equipment\224)12.3 ( policy)12.2 ( as)12.3 ( stated)12.3 ( in)12.2 ( the)12.3 ( Group\222s)12.3 ( annual)12.3 ( consolidated)12.3 ( financial)22 ( )]TJ 0.025 Tc 0 Tw T* (statements for the year ended December 31, 2018.)Tj 13 0 3.4833 13 83.7052 264.3179 Tm (Lease modification)Tj 13 0 0 13 85.0394 232.3179 Tm (The Group accounts for a lease modification as a separate lease if:)Tj 0.083 Tw 0 -2.462 TD [(\225 )-1447.5 (the )0.5 (modification )0.5 (increases )0.5 (the )0.5 (scope )0.5 (of )0.5 (the )0.5 (lease )0.5 (by adding the )0.5 (right )0.5 (to )0.5 (use )]TJ 0 Tw 2.181 -1.231 Td (one or more underlying assets; and)Tj 0.068 Tc 0.07 Tw -2.181 -2.462 Td [(\225)43 ( )-1417.5 (the)12.3 ( consideration)12.3 ( for)12.3 ( the)12.3 ( lease)12.3 ( increases)12.3 ( by)12.2 ( an)12.3 ( amount)12.3 ( commensurate)42.9 ( )]TJ 0.05 Tc 2.181 -1.231 Td [(with)12.4 ( the)12.5 ( stand-alone)12.5 ( price)12.4 ( for)12.4 ( the)12.5 ( increase)12.5 ( in)12.4 ( scope)12.4 ( and)12.4 ( any)12.5 ( appropriate)25.1 ( )]TJ 0.051 Tc 0 -1.231 TD [(adjustments)12.2 ( to)12.2 ( that)12.2 ( stand-alone)12.2 ( price)12.2 ( to)12.2 ( reflect)12.2 ( the)12.2 ( circumstances)12.2 ( of)12.2 ( the)26 ( )]TJ 0.025 Tc 0 Tw 0 -1.231 TD (particular contract.)Tj ET endstream endobj 109 0 obj <>stream BT 0 0 0 1 k /Perceptual ri /GS0 gs /T1_0 1 Tf 0.025 Tc 12 0 0 12 281.8878 18.7502 Tm (\226 83 \226)Tj /T1_1 1 Tf 13 0 0 13 56.6929 776.409 Tm [(4. )-1105.5 (CHANGE IN ACCOUNTING POLICIES)]TJ -0.025 Tw 2.181 -2.462 Td (Leases)Tj 0 Tw 13 0 3.4833 13 83.7052 712.409 Tm (Definition of a lease)Tj /T1_0 1 Tf 0.077 Tw 13 0 0 13 85.0394 680.409 Tm [(Under )0.5 (IFRS )0.5 (16, )0.5 (a )0.5 (contract )0.5 (is, )0.5 (or )0.5 (contains, )0.5 (a )0.5 (lease )0.5 (if )0.5 (the )0.5 (contract )0.5 (conveys )0.5 (a )0.5 (right )]TJ 0.053 Tc 0.07 Tw 0 -1.231 TD [(to)12.7 ( control)12.8 ( the)12.8 ( use)12.8 ( of)12.8 ( an)12.8 ( identified)12.8 ( asset)12.8 ( for)12.8 ( a)12.7 ( period)12.8 ( of)12.8 ( time)12.7 ( in)12.8 ( exchange)12.8 ( for)28 ( )]TJ 0.025 Tc -0.025 Tw T* (consideration.)Tj /T1_1 1 Tf 0 Tw 13 0 3.4833 13 83.7052 616.409 Tm (The Group as lessee)Tj /T1_0 1 Tf 0.078 Tw 13 0 0 13 85.0394 584.409 Tm (The Group assesses whether a contract is or contains a lease, at incepti\ on of the )Tj 0.043 Tc 0.07 Tw T* [(contract.)12.1 ( The)12.2 ( Group)12.2 ( recognises)12.2 ( a)12.2 ( right-of-use)12.1 ( asset)12.2 ( and)12.1 ( a)12.2 ( corresponding)12.1 ( lease)18 ( )]TJ 0.038 Tc T* [(liability)12.4 ( with)12.3 ( respect)12.4 ( to)12.3 ( all)12.3 ( lease)12.4 ( arrangements)12.4 ( in)12.3 ( which)12.4 ( it)12.3 ( is)12.4 ( the)12.4 ( lessee,)12.4 ( except)13 ( )]TJ 0.035 Tc 0.073 Tw T* [(for)10 ( )0.5 (short-term)10 ( )0.5 (leases)10 ( )0.5 (\(defined)10 ( )0.5 (as)10 ( )0.5 (leases)10 ( )0.5 (with)10 ( )0.5 (a)10 ( )0.5 (lease)10 ( )0.5 (term)10 ( )0.5 (of)10 ( )0.5 (1)10 (2)10 ( )0.5 (months)10 ( )0.5 (or)10 ( )0.6 (less\))10 ( )]TJ 0.032 Tc 0.076 Tw T* [(and)7 ( )0.5 (leases)7 ( )0.5 (of)7 ( )0.5 (low)7 ( )0.5 (value)7 ( )0.5 (assets.)7 ( )0.5 (For)7 ( )0.5 (these)6.9 ( )0.6 (leases,)7 ( )0.5 (the)7 ( )0.5 (Group)7 ( )0.5 (recognises)7 ( )0.5 (the)7 ( )0.6 (lease)7 ( )]TJ 0.041 Tc 0.07 Tw T* [(p)0.5 (a)0.5 (y)0.5 (m)0.5 (e)0.5 (n)0.5 (t)0.5 (s)13 ( )0.5 (a)0.5 (s)13 ( )0.5 (a)0.5 (n)13 ( )0.5 (o)0.5 (p)0.5 (e)0.6 (r)0.5 (a)0.5 (t)0.5 (i)0.5 (n)0.5 (g)12.9 ( )0.6 (e)0.5 (x)0.5 (p)0.5 (e)0.5 (n)0.5 (s)0.5 (e)13 ( )0.5 (o)0.5 (n)13 ( )0.5 (a)13 ( )0.5 (s)0.5 (t)0.5 (r)0.5 (a)0.5 (i)0.5 (g)0.5 (h)0.5 (t)0.5 (-)0.5 (l)0.5 (i)0.5 (n)0.5 (e)13 ( )0.5 (b)0.5 (a)0.5 (s)0.5 (i)0.5 (s)13 ( )0.5 (o)0.5 (v)0.5 (e)0.5 (r)13 ( )0.6 (th)0.5 (e)13 ( )0.6 (t)0.5 (e)0.5 (r)0.5 (m)13 ( )0.5 (o)0.5 (f)13 ( )0.5 (t)0.5 (h)0.5 (e)16 ( )]TJ 0.025 Tc 0.033 Tw T* (lease unless another systematic basis is more representative of the time\ pattern in )Tj 0 Tw 0 -1.231 TD (which economic benefits from the leased assets are consumed.)Tj 13 0 3.4833 13 83.7052 440.409 Tm (Lease liabilities)Tj 0.049 Tc 0.07 Tw 13 0 0 13 85.0394 408.409 Tm [(At)13 ( the)12.9 ( )0.5 (comme)0.5 (nce)0.5 (ment)13 ( date)0.5 (,)12.9 ( th)0.5 (e)12.9 ( Gr)0.5 (oup)12.9 ( m)0.5 (easu)0.5 (res)12.9 ( )0.5 (leas)0.5 (e)12.9 ( l)0.5 (iabil)0.5 (ity)12.9 ( a)0.5 (t)12.9 ( the)13 ( pre)0.5 (sent)24 ( )]TJ 0.025 Tc 0.04 Tw 0 -1.231 TD [(value of the )0.5 (lease payments )0.5 (that )0.5 (are not paid at that date. The )0.5 (lease payments are )]TJ 0.033 Tc 0.075 Tw T* [(discounted)8 ( )0.5 (by)8 ( )0.5 (using)8 ( )0.5 (the)8 ( )0.5 (interest)8 ( )0.5 (rate)8 ( )0.5 (implicit)8 ( )0.5 (in)8 ( )0.6 (the)8 ( )0.5 (lease.)8 ( )0.5 (If)8 ( )0.5 (this)8 ( )0.5 (rate)8 ( )0.5 (cannot)8 ( )0.5 (be)8 ( )]TJ 0.025 Tc 0 Tw T* (readily determined, the Group uses its incremental borrowing rate.)Tj 0.031 Tw 0 -2.462 TD [(Lease )0.6 (payments )0.6 (included )0.6 (in )0.6 (the )0.6 (measurement )0.5 (of )0.5 (the )0.5 (lease )0.5 (liability )0.5 (comprise )0.5 (fixed )]TJ 0 Tw 0 -1.231 TD (lease payments \(including in-substance fixed payments\).)Tj 0.04 Tw 0 -2.462 TD (The lease liability is presented as included in \223other liabilities\224\ on the condensed )Tj 0 Tw 0 -1.231 TD (consolidated statement of financial position.)Tj 0.028 Tw 0 -2.462 TD (The lease liability is subsequently measured by increasing the carrying \ amount to )Tj 0.026 Tc 0.082 Tw 0 -1.231 TD [(reflect)1 ( )0.6 (interest)1 ( )0.5 (on)1 ( )0.6 (the)1 ( )0.5 (lease)1 ( )0.5 (liability)1 ( )0.5 (\(using)1 ( )0.6 (the)1 ( )0.5 (effective)1 ( )0.6 (interest)1 ( )0.5 (method\))1 ( )0.5 (and)1 ( )0.5 (by)1 ( )]TJ 0.025 Tc 0 Tw T* (reducing the carrying amount to reflect the lease payments made)Tj 0.054 Tw 0 -2.462 TD [(Lease )0.5 (liability )0.5 (is )0.5 (remeasured )0.5 (\(and )0.5 (with )0.5 (a )0.5 (corresponding )0.5 (adjustment )0.6 (to )0.6 (the )0.6 (related )]TJ 0 Tw 0 -1.231 TD (right-of-use asset\) whenever:)Tj 0.019 Tw 0 -2.462 TD [(\225 )-1511.5 (the lease term has changed or there is a change in the assessment of exe\ rcise )]TJ 0.054 Tc 0.07 Tw 2.181 -1.231 Td [(of)12.6 ( a)12.6 ( purchase)12.6 ( option,)12.6 ( in)12.6 ( which)12.6 ( case)12.6 ( the)12.6 ( lease)12.6 ( liability)12.6 ( is)12.5 ( remeasured)12.6 ( by)29 ( )]TJ 0.025 Tc 0 Tw 0 -1.231 TD (discounting the revised lease payments using revised discount rate.)Tj ET endstream endobj 108 0 obj <>stream BT 0 0 0 1 k /Perceptual ri /GS0 gs /T1_0 1 Tf 0.025 Tc 12 0 0 12 281.8878 18.7502 Tm (\226 82 \226)Tj 0.087 Tc 0.07 Tw 11 0 0 11 113.3858 777.4196 Tm [(a)62 (\))62 ( )-1342.9 (As)12.5 ( at)12.5 ( January)12.4 ( 1)12.5 (,)12.5 ( 2)12.4 (0)12.5 (1)12.5 (9)12.5 (,)12.4 ( right-of-use)12.5 ( assets)12.5 ( were)12.5 ( measured)12.5 ( at)12.5 ( an)12.5 ( amount)12.5 ( of)62.1 ( )]TJ 0.025 Tc 0.006 Tw 2.577 -1.273 Td (approximately RMB277,820,000, included leased premises amount of approxi\ mately )Tj 0.008 Tw 0 -1.273 TD (RMB250,186,000 which is equal to the lease liabilities included in \223o\ ther liabilities\224 )Tj 0 Tw 0 -1.273 TD (of approximately RMB250,186,000. There is no impact on retained earnings\ .)Tj 0.041 Tc 0.07 Tw -2.577 -2.545 Td [(b)16 (\))16 ( )-1332.9 (Land)12.5 ( use)12.5 ( right)12.5 ( included)12.5 ( in)12.5 ( \223other)12.5 ( assets\224)12.5 ( of)12.6 ( approximately)12.5 ( RMB)12.5 (2)12.5 (7)12.5 (,)12.5 (6)12.5 (3)12.5 (4)12.5 (,)12.5 (0)12.5 (0)12.5 (0)12.5 ( as)12.5 ( at)16 ( )]TJ 0.025 Tc 0.051 Tw 2.577 -1.273 Td (December 31, 2018 were adjusted to right-of-use assets which represent t\ he upfront )Tj 0 Tw T* (payments for leasehold lands in the PRC as at January 1, 2019.)Tj 0.08 Tw 13 0 0 13 113.3858 647.4196 Tm [(Differences )0.5 (between )0.5 (operating lease )0.5 (commitment as )0.5 (at December 31, )0.5 (2018, )]TJ 0.042 Tc 0.07 Tw 0 -1.231 TD [(t)0.5 (h)0.6 (e)13 ( )0.6 (d)0.5 (a)0.6 (t)0.5 (e)13.1 ( )0.5 (i)0.5 (m)0.6 (m)0.5 (e)0.6 (d)0.5 (i)0.6 (a)0.5 (t)0.5 (e)0.6 (l)0.5 (y)13.1 ( )0.5 (p)0.6 (r)0.5 (e)0.6 (c)0.5 (e)0.6 (d)0.5 (i)0.5 (n)0.6 (g)13 ( )0.6 (t)0.5 (h)0.5 (e)13.1 ( )0.5 (d)0.6 (a)0.5 (t)0.6 (e)13 ( )0.6 (o)0.5 (f)13 ( )0.6 (i)0.5 (n)0.6 (i)0.5 (t)0.6 (i)0.5 (a)0.6 (l)13 ( )0.5 (a)0.6 (p)0.5 (p)0.6 (l)0.5 (i)0.5 (c)0.6 (a)0.5 (t)0.6 (i)0.5 (o)0.6 (n)0.5 (,)13 ( )0.6 (d)0.5 (i)0.6 (s)0.5 (c)0.6 (o)0.5 (u)0.5 (n)0.6 (t)0.5 (e)0.6 (d)17 ( )]TJ 0.025 Tc 0.073 Tw T* (using the incremental borrowing rate, and the lease liabilities recognis\ ed as )Tj 0 Tw T* (at January 1, 2019 are as follow:)Tj -0.025 Tw 13 0 3.4833 13 482.5709 567.4196 Tm (RMB\222000)Tj 0 Tw 13 0 0 13 113.3858 535.4196 Tm (Operating lease commitment disclosed as at )Tj 0 Tc ( )Tj 0.025 Tc 0.654 -1.231 Td (December 31, 2018)Tj -0.025 Tw 28.653 0 Td (320,062)Tj 0 Tw -29.307 -1.231 Td [(Less: S )275 (hort-term leases and other leases with remaining lease )]TJ 3.092 -1.231 Td (term ending on or before December 31, 2019)Tj -0.025 Tw 26.358 0 Td (\(53,279\))Tj ET 0 0 0 1 K 0.5 w q 1 0 0 1 467.7165 483.0095 cm 0 0 m 70.866 0 l S Q BT 0 Tc 0 Tw 13 0 0 13 462.0472 484.4105 Tm ( )Tj 0.025 Tc -0.025 Tw 2.487 -2.462 Td (266,783)Tj ET q 1 0 0 1 467.7165 448.0002 cm 0 0 m 70.866 0 l S Q BT 0 Tc 0 Tw 13 0 0 13 462.0472 449.4012 Tm ( )Tj 0.025 Tc -26.82 -2.462 Td (Discounted using the incremental borrowing rate at )Tj 0 Tc ( )Tj 0.025 Tc 0.654 -1.231 Td (January 1, 2019)Tj /T1_1 1 Tf -0.025 Tw 28.653 0 Td (250,186)Tj /T1_0 1 Tf 0 Tw -29.307 -1.231 Td (Lease liabilities recognised as at January 1, 2019)Tj /T1_1 1 Tf -0.025 Tw 28.924 0 Td (\(250,186\))Tj ET 2.5 w q 1 0 0 1 467.7165 379.8367 cm 0 0 m 70.866 0 l S Q 0.835 w q 1 0 0 1 467.7165 376.5042 cm 0 0 m 70.866 0 l S Q BT 0 Tc 0 Tw 13 0 0 13 462.0472 377.7377 Tm ( )Tj 0.025 Tc -29.001 -2.335 Td [(3.2 )-580.5 (Practical expedients applied)]TJ /T1_0 1 Tf 0.068 Tc 0.07 Tw 2.181 -2.462 Td [(On)12 ( the)12 ( date)12 ( of)12.1 ( initial)12.1 ( application)12 ( of)12.1 ( IFRS)12.1 ( 1)12.1 (6)12 (,)12.1 ( the)12.1 ( Group)12 ( has)12 ( used)12 ( the)43 ( )]TJ 0.025 Tc 0 Tw T* (following practical expedients permitted by the standard:)Tj 0.044 Tc 0.07 Tw 0 -2.462 TD [(\225)19 ( )-1441.5 (Not)12.9 ( t)0.5 (o)12.9 ( reassess)12.9 ( w)0.5 (hether)12.9 ( a)12.9 ( contra)0.5 (ct)12.9 ( is,)12.9 ( or)12.9 ( contains)13 ( a)12.9 ( lease)12.9 ( at)13 ( the)12.9 ( date)19 ( )]TJ 0.054 Tc 2.181 -1.231 Td [(of)12.8 ( initial)12.7 ( application.)12.7 ( Instead,)12.7 ( for)12.8 ( contracts)12.7 ( entered)12.8 ( into)12.7 ( before)12.7 ( the)29 ( )]TJ 0.033 Tc 0.075 Tw 0 -1.231 TD [(transition)8 ( )0.5 (date)8 ( )0.5 (the)8 ( )0.5 (Group)8 ( )0.5 (relied)8 ( )0.5 (on)8 ( )0.5 (its)8 ( )0.5 (assessment)8 ( )0.6 (made)8 ( )0.5 (applying)8 ( )0.5 (IAS)8 ( )]TJ 0.025 Tc 0 Tw T* (17 and Int-4 Determining whether an arrangement contains a Lease.)Tj 0.024 Tc -2.181 -2.462 Td [(\225)-1 ( )-1531.5 (The use of a single discount rate to a portfolio of leases with reasonab\ ly)-1 ( )]TJ 0.025 Tc 2.181 -1.231 Td (similar characteristics, and)Tj 0.028 Tw -2.181 -2.462 Td [(\225 )-1502.5 (The accounting for operating leases with a remaining lease term of less \ )]TJ 0 Tw 2.181 -1.231 Td (than 12 months as at January 1, 2019 as short-term leases.)Tj ET endstream endobj 107 0 obj <>stream BT 0 0 0 1 k /Perceptual ri /GS0 gs /T1_0 1 Tf 0.025 Tc 12 0 0 12 281.8878 18.7502 Tm (\226 81 \226)Tj 0.044 Tw 13 0 0 13 113.3858 776.3179 Tm (On transition to IFRS 16, the Group elected to apply the practical exped\ ient )Tj 0.048 Tw 0 -1.231 TD (to grandfather the assessment of which arrangements are, or contain, lea\ ses. )Tj 0.024 Tc 0 Tw T* [(It applied IFRS 16 only to contracts that were previously identified as \ leases.)-1 ( )]TJ 0.045 Tc 0.07 Tw T* [(Contracts)12.2 ( that)12.2 ( were)12.2 ( not)12.2 ( identified)12.3 ( as)12.2 ( leases)12.2 ( under)12.3 ( IAS)12.2 ( 1)12.2 (7)12.2 ( and)12.2 ( Int-)12.2 (4)12.2 ( were)20 ( )]TJ 0.025 Tc 0.081 Tw T* (not reassessed. Therefore, the definition of a lease under IFRS 16 has b\ een )Tj 0 Tw T* (applied only to contracts entered into or changed on or after January 1,\ 2019.)Tj 0.041 Tc 0.07 Tw 0 -2.462 TD [(The)12.2 ( major)12.2 ( impacts)12.2 ( of)12.2 ( the)12.2 ( adoption)12.2 ( of)12.2 ( IFRS)12.1 ( 1)12.1 (6)12.2 ( on)12.2 ( the)12.2 ( Group\222s)12.2 ( condensed)16 ( )]TJ 0.025 Tc 0 Tw 0 -1.231 TD (consolidated financial statements are described below.)Tj /T1_1 1 Tf 13 0 3.4833 13 112.0517 616.3179 Tm (The Group as lessee)Tj /T1_0 1 Tf 0.037 Tw 13 0 0 13 113.3858 584.3179 Tm (On adoption of IFRS 16, the Group recognised lease liabilities in relati\ on to )Tj 0.029 Tc 0.079 Tw T* [(leases)4 ( )0.6 (which)4 ( )0.5 (had)4 ( )0.5 (previously)4 ( )0.5 (been)4 ( )0.5 (classified)4 ( )0.5 (as)4 ( )0.5 (\221operating)4 ( )0.5 (leases\222)4 ( )0.5 (under)4 ( )0.5 (the)4 ( )]TJ 0.026 Tc 0.082 Tw T* [(principles)1.1 ( of)1 ( )0.5 (IAS)1 ( )0.5 (1)1 (7)1 ( )0.5 (Leases)1 ( )0.5 (\(except)1 ( )0.5 (for)1 ( )0.5 (lease)1 ( )0.5 (of)1 ( )0.5 (low)1 ( )0.5 (value)1 ( )0.6 (assets)1 ( )0.5 (and)1 ( )0.5 (lease)1 ( )]TJ 0.027 Tc 0.081 Tw T* [(with)2 ( )0.5 (remaining)2 ( )0.5 (lease)2 ( )0.5 (term)2 ( )0.5 (of)2 ( )0.5 (twelve)2 ( )0.5 (months)2 ( )0.5 (or)2 ( )0.5 (less\).)2 ( These)2 ( )0.5 (liabilities)2 ( )0.5 (were)2 ( )]TJ 0.029 Tc 0.079 Tw T* [(measured)4 ( )0.5 (at)4 ( )0.5 (the)4 ( )0.5 (present)4 ( )0.5 (value)4 ( )0.5 (of)4 ( )0.5 (the)4 ( )0.6 (remaining)4 ( )0.5 (lease)4.1 ( )0.5 (payments,)4 ( )0.5 (discounted)4 ( )]TJ 0.045 Tc 0.07 Tw T* [(using)12.8 ( the)12.9 ( lessee\222s)12.9 ( incremental)12.9 ( borrowing)12.8 ( rate)12.8 ( as)12.8 ( of)12.8 ( January)12.9 ( 1)12.8 (,)12.8 ( 2)12.8 (0)12.8 (1)12.8 (9)12.9 (.)12.8 ( The)20 ( )]TJ 0.038 Tc T* [(weighted)12.7 ( average)12.7 ( lessee\222s)12.6 ( incremental)12.6 ( borrowing)12.6 ( rate)12.6 ( applied)12.6 ( to)12.7 ( the)12.6 ( lease)13 ( )]TJ 0.025 Tc 0 Tw 0 -1.231 TD (liabilities on January 1, 2019 was 2.85%.)Tj 0.033 Tc 0.075 Tw 0 -2.462 TD [(The)8.1 ( )0.5 (Group)8 ( )0.5 (recognises)8.1 ( )0.5 (right-of-use)8 ( )0.5 (assets)8 ( )0.5 (and)8 ( )0.5 (measures)8 ( )0.5 (them)8 ( )0.5 (at)8 ( )0.5 (an)8 ( )0.5 (amount)8.1 ( )]TJ 0.025 Tc 0.018 Tw 0 -1.231 TD (equal to the lease liability, adjusted by the amount of any prepaid or a\ ccrued )Tj 0 Tw T* (lease payments. The Group applied this approach to all leases.)Tj /T1_1 1 Tf 13 0 3.4833 13 112.0517 376.3179 Tm (The Group as Lessor)Tj /T1_0 1 Tf 0.028 Tw 13 0 0 13 113.3858 344.3179 Tm (The Group leases some of the properties. The accounting policies applica\ ble )Tj 0 Tw T* (to the Group as lessor are not different from those under IAS 17.)Tj 0.023 Tc 0 -2.462 TD [(The following table summaries the impact of transition to IFRS 16 at Jan\ uary)-2 ( )]TJ 0.025 Tc 0.047 Tw 0 -1.231 TD (1, 2019. 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The Group operates in Mainland China.)Tj 0.057 Tw 0 -2.462 TD (On January 18, 2018, the Bank\222s H shares were listed on the Main Boar\ d of The )Tj 0.048 Tc 0.07 Tw 0 -1.231 TD [(Stock)12.3 ( Exchange)12.3 ( of)12.3 ( Hong)12.3 ( Kong)12.2 ( Limited)12.3 ( \(the)12.3 ( \223Stock)12.3 ( Exchange\224\))12.4 ( \(Stock)12.3 ( code:)23 ( )]TJ 0.025 Tc -0.025 Tw T* (2139\).)Tj 0.057 Tc 0.07 Tw 0 -2.462 TD [(The)12.6 ( condensed)12.5 ( consolidated)12.5 ( financial)12.6 ( statements)12.6 ( are)12.6 ( presented)12.5 ( in)12.6 ( Renminbi)32 ( )]TJ 0.025 Tc 0 Tw 0 -1.231 TD (\(\223RMB\224\), which is also the functional currency of the Bank and i\ ts subsidiary.)Tj ET endstream endobj 113 0 obj <>stream BT 0 0 0 1 k /Perceptual ri /GS0 gs /T1_0 1 Tf 0.025 Tc 12 0 0 12 281.8878 18.7502 Tm (\226 77 \226)Tj /T1_1 1 Tf 12.35 0 0 13 385.3415 772.8479 Tm (Six months ended June 30,)Tj -0.025 Tw 3.447 -1.077 Td (2019)Tj /T1_0 1 Tf 6.886 0 Td (2018)Tj /T1_1 1 Tf 12.35 0 3.4833 13 398.9072 744.8479 Tm 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OF THE PERIOD)Tj -0.025 Tw 24.425 0 Td (35,147,129)Tj /T1_0 1 Tf 6.886 0 Td (17,220,882)Tj ET q 1 0 0 1 379.8426 187.3745 cm 0 0 m 73.701 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 12.35 0 0 13 374.1733 188.7755 Tm ( )Tj ET q 1 0 0 1 464.882 187.3745 cm 0 0 m 73.701 0 l S Q BT /T1_0 1 Tf 12.35 0 0 13 459.2127 188.7755 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -30.297 -2.154 Td (CASH AND CASH EQUIVALENTS AT THE END )Tj 0.689 -1.077 Td (OF THE PERIOD)Tj -0.025 Tw 24.425 0 Td (28,080,108)Tj /T1_0 1 Tf 6.886 0 Td (42,962,488)Tj ET 2.5 w q 1 0 0 1 379.8426 141.2109 cm 0 0 m 73.701 0 l S Q 0.835 w q 1 0 0 1 379.8426 137.8784 cm 0 0 m 73.701 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 12.35 0 0 13 374.1733 139.1119 Tm ( )Tj ET 2.5 w q 1 0 0 1 464.882 141.2109 cm 0 0 m 73.701 0 l S Q 0.835 w q 1 0 0 1 464.882 137.8784 cm 0 0 m 73.701 0 l S Q BT /T1_0 1 Tf 12.35 0 0 13 459.2127 139.1119 Tm ( )Tj 0.025 Tc -30.297 -2.154 Td (Interest received)Tj /T1_1 1 Tf -0.025 Tw 25.638 0 Td (6,796,862)Tj /T1_0 1 Tf 6.886 0 Td (7,111,028)Tj ET 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/T1_0 1 Tf 0.025 Tc 12 0 0 12 281.8878 18.7502 Tm (\226 76 \226)Tj /T1_1 1 Tf 13 0 0 13 85.0394 776.0055 Tm (CONDENSED CONSOLIDATED STATEMENT OF CASH FLOWS)Tj /T1_0 1 Tf 13 0 3.4833 13 83.7052 760.0055 Tm (For the six months ended June 30, 2019)Tj /T1_1 1 Tf 12.35 0 0 13 385.3415 730.0055 Tm (Six months ended June 30,)Tj -0.025 Tw 3.447 -1.077 Td (2019)Tj /T1_0 1 Tf 6.886 0 Td (2018)Tj /T1_1 1 Tf 12.35 0 3.4833 13 398.9072 702.0055 Tm (RMB\222000)Tj /T1_0 1 Tf 6.996 0 Td (RMB\222000)Tj /T1_1 1 Tf 12.35 0 0 13 386.6441 688.0055 Tm (\(Unaudited\))Tj /T1_0 1 Tf 7.221 0 Td (\(Unaudited\))Tj 0 Tw -31.642 -2.154 Td (OPERATING ACTIVITIES)Tj 0 -1.077 TD (Profit before tax)Tj /T1_1 1 Tf -0.025 Tw 26.438 0 Td (624,343)Tj /T1_0 1 Tf 6.086 0 Td (2,943,914)Tj /T1_1 1 Tf 0 Tw -32.524 -2.154 Td (Adjustments for:)Tj /T1_0 1 Tf 0.689 -1.077 Td (Depreciation of property and equipment)Tj /T1_1 1 Tf -0.025 Tw 25.75 0 Td (180,821)Tj /T1_0 1 Tf 6.886 0 Td (147,027)Tj 0 Tw -32.636 -1.077 Td (Depreciation of right-of-use assets)Tj /T1_1 1 Tf -0.025 Tw 26.275 0 Td (45,381)Tj /T1_0 1 Tf 0 Tc 0 Tw 9.261 0 Td (\226)Tj 0.025 Tc -35.536 -1.077 Td (Amortisation of long term deferred expenses, )Tj 0 Tc 12.35 0 0 13 334.835 576.0055 Tm ( )Tj 0.025 Tc 12.35 0 0 13 102.0473 562.0055 Tm (land use rights and intangible assets)Tj /T1_1 1 Tf -0.025 Tw 26.111 0 Td (2,189)Tj /T1_0 1 Tf 6.886 0 Td (8,120)Tj 0 Tw -33.686 -1.077 Td (Impairment losses on assets)Tj /T1_1 1 Tf -0.025 Tw 24.95 0 Td (2,289,679)Tj /T1_0 1 Tf 7.686 0 Td (472,643)Tj 0 Tw -32.636 -1.077 Td (Interest expense on lease liabilities)Tj /T1_1 1 Tf -0.025 Tw 26.8 0 Td (3,806)Tj /T1_0 1 Tf 0 Tc 0 Tw 8.736 0 Td (\226)Tj 0.025 Tc -35.536 -1.077 Td (Interest expense on debts securities issued)Tj /T1_1 1 Tf -0.025 Tw 25.75 0 Td (822,227)Tj /T1_0 1 Tf 6.886 0 Td (754,577)Tj 0 Tw -32.636 -1.077 Td (Loss/\(gain\) on disposal of property and equipment)Tj /T1_1 1 Tf -0.025 Tw 26.8 0 Td (3,768)Tj /T1_0 1 Tf 7.303 0 Td (\(108\))Tj 0 Tw -34.103 -1.077 Td (Net unrealised trading losses \(gains\))Tj /T1_1 1 Tf -0.025 Tw 26.275 0 Td (99,489)Tj /T1_0 1 Tf 5.978 0 Td (\(142,416\))Tj 0 Tw -32.253 -1.077 Td (Net gains arising from investment securities)Tj /T1_1 1 Tf -0.025 Tw 25.892 0 Td (\(15,457\))Tj /T1_0 1 Tf 7.411 0 Td (\(2,442\))Tj 0 Tw -33.303 -1.077 Td (Government grants)Tj /T1_1 1 Tf -0.025 Tw 26.417 0 Td (\(4,854\))Tj /T1_0 1 Tf 6.361 0 Td (\(15,847\))Tj 0 Tw -32.778 -1.077 Td (Interest income on financial investments)Tj /T1_1 1 Tf -0.025 Tw 24.567 0 Td (\(1,621,307\))Tj /T1_0 1 Tf 6.886 0 Td (\(1,892,463\))Tj 0 Tw -31.453 -1.077 Td (Share of \(loss\)/profit of an associate)Tj /T1_1 1 Tf -0.025 Tw 26.8 0 Td (2,314)Tj /T1_0 1 Tf 7.303 0 Td (\(820\))Tj ET 0 0 0 1 K 0.5 w q 1 0 0 1 379.8426 431.5954 cm 0 0 m 73.701 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 12.35 0 0 13 374.1733 432.9964 Tm ( )Tj ET q 1 0 0 1 464.8819 431.5954 cm 0 0 m 73.701 0 l S Q BT /T1_0 1 Tf 12.35 0 0 13 459.2126 432.9964 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -0.025 Tw -4.659 -2.154 Td (2,432,399)Tj /T1_0 1 Tf 6.886 0 Td (2,272,185)Tj ET q 1 0 0 1 379.8425 400.5864 cm 0 0 m 73.701 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 12.35 0 0 13 374.1732 401.9874 Tm ( )Tj ET q 1 0 0 1 464.8819 400.5864 cm 0 0 m 73.701 0 l S Q BT /T1_0 1 Tf 12.35 0 0 13 459.2126 401.9874 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -30.297 -2.154 Td (Changes in operating assets)Tj /T1_0 1 Tf 0.689 -1.077 Td (Net decrease/\(increase\) in deposits with the )Tj 0 Tc 12.35 0 0 13 325.5593 359.9874 Tm ( )Tj 0.025 Tc 12.35 0 0 13 102.0473 345.9874 Tm (central bank)Tj /T1_1 1 Tf -0.025 Tw 24.261 0 Td (1,391,649)Tj /T1_0 1 Tf 7.828 0 Td (\(35,886\))Tj 0 Tw -32.778 -1.077 Td (Net decrease in deposits with the banks)Tj /T1_1 1 Tf -0.025 Tw 25.75 0 Td (542,103)Tj /T1_0 1 Tf 5.561 0 Td (23,895,749)Tj 0 Tw -31.311 -1.077 Td (Net decrease/\(increase\) in financial assets at fair )Tj 0.689 -1.077 Td (value through profit or loss)Tj /T1_1 1 Tf -0.025 Tw 24.261 0 Td (1,270,958)Tj /T1_0 1 Tf 5.978 0 Td (\(20,656,788\))Tj 0 Tw -30.928 -1.077 Td (Net increase in loans and advances to customers)Tj /T1_1 1 Tf -0.025 Tw 24.042 0 Td (\(11,791,685\))Tj /T1_0 1 Tf 6.886 0 Td (\(20,342,290\))Tj 0 Tw -30.928 -1.077 Td (Net \(increase\)/decrease in other operating assets)Tj /T1_1 1 Tf -0.025 Tw 24.567 0 Td (\(3,492,533\))Tj /T1_0 1 Tf 8.069 0 Td (371,513)Tj ET q 1 0 0 1 379.8426 271.5773 cm 0 0 m 73.701 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 12.35 0 0 13 374.1733 272.9783 Tm ( )Tj ET q 1 0 0 1 464.8819 271.5773 cm 0 0 m 73.701 0 l S Q BT /T1_0 1 Tf 12.35 0 0 13 459.2126 272.9783 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -0.025 Tw -5.567 -2.154 Td (\(12,079,508\))Tj /T1_0 1 Tf 6.886 0 Td (\(16,767,702\))Tj ET q 1 0 0 1 379.8425 240.5683 cm 0 0 m 73.701 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 12.35 0 0 13 374.1732 241.9693 Tm ( )Tj ET q 1 0 0 1 464.8819 240.5683 cm 0 0 m 73.701 0 l S Q BT /T1_0 1 Tf 12.35 0 0 13 459.2126 241.9693 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -30.297 -2.154 Td (Changes in operating liabilities)Tj /T1_0 1 Tf 0.689 -1.077 Td (Net \(decrease\)/increase in borrowing from the central )Tj -0.025 Tw 0.689 -1.077 Td (bank)Tj /T1_1 1 Tf 23.878 0 Td (\(5,467,081\))Tj /T1_0 1 Tf 7.269 0 Td (4,336,488)Tj 0 Tw -31.836 -1.077 Td (Net \(decrease\)/increase in deposits and placements )Tj 0.689 -1.077 Td (from banks and other financial institutions)Tj /T1_1 1 Tf -0.025 Tw 23.878 0 Td (\(1,878,114\))Tj /T1_0 1 Tf 6.744 0 Td (16,058,647)Tj 0.023 Tc 0 Tw -31.311 -1.077 Td [(Net decrease in financial assets sold under repurchase)-1.9 ( )]TJ 0.025 Tc -0.025 Tw 0.689 -1.077 Td (agreements)Tj /T1_1 1 Tf 23.878 0 Td (\(6,581,532\))Tj /T1_0 1 Tf 6.886 0 Td (\(3,894,099\))Tj 0 Tw -31.453 -1.077 Td (Net increase in deposits from customers)Tj /T1_1 1 Tf -0.025 Tw 24.425 0 Td (24,899,599)Tj /T1_0 1 Tf 7.411 0 Td (6,018,070)Tj 0 Tw -31.836 -1.077 Td (Net increase in other operating liabilities)Tj /T1_1 1 Tf -0.025 Tw 24.95 0 Td (1,096,281)Tj /T1_0 1 Tf 6.886 0 Td (1,630,955)Tj ET q 1 0 0 1 379.8425 97.5592 cm 0 0 m 73.701 0 l S Q BT /T1_1 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/Perceptual ri /GS0 gs /T1_0 1 Tf 0.025 Tc 12 0 0 12 281.8878 18.7502 Tm (\226 75 \226)Tj 0 7.8 -13 0 71.0419 393.2234 Tm (Attributable to owners of the Bank)Tj ET 0 0 0 1 K 0.5 w q 1 0 0 1 75.452 229.6064 cm 0 0 m 0 442.205 l S Q BT /T1_1 1 Tf 0 Tc 0.025 Tw 0 8.45 -13 0 74.051 267.9895 Tm ( )Tj /T1_0 1 Tf 0.025 Tc -0.025 Tw 0 7.8 -13 0 106.051 256.4204 Tm (Share )Tj -0.662 -1.231 Td (Capital)Tj 7.268 1.231 Td (Capital )Tj 0.002 -1.231 Td (reserve)Tj 6.934 2.462 Td (Defined )Tj 0 Tw -1.653 -1.231 Td (benefit plan )Tj -0.025 Tw 1.987 -1.231 Td (reserve)Tj 5.636 2.462 Td (Investment )Tj -0.08 -1.231 Td (revaluation )Tj 1.712 -1.231 Td (reserve)Tj 7.099 1.231 Td (Surplus )Tj 0.169 -1.231 Td (reserve)Tj 6.99 1.231 Td (General )Tj 0.278 -1.231 Td (reserve)Tj 6.575 1.231 Td (Retained )Tj 0.167 -1.231 Td (earnings)Tj 6.964 0 Td (Sub-total)Tj 9.005 2.462 Td (Non- )Tj -2.509 -1.231 Td (controlling )Tj 1.106 -1.231 Td (interests)Tj 8.59 0 Td (Total)Tj 0 7.8 -13 3.4833 138.051 240.8201 Tm (RMB\222000)Tj 7.268 0 Td (RMB\222000)Tj 7.268 0 Td (RMB\222000)Tj 7.268 0 Td (RMB\222000)Tj 7.268 0 Td (RMB\222000)Tj 7.268 0 Td (RMB\222000)Tj 7.268 0 Td (RMB\222000)Tj 7.268 0 Td (RMB\222000)Tj 7.268 0 Td (RMB\222000)Tj 7.268 0 Td (RMB\222000)Tj ET q 0 0 595.276 841.89 re W n BT /T1_1 1 Tf 0 Tw 0 7.8 -13 0 170.051 85.0394 Tm (At January 1, 2018 \(Audited\))Tj ET Q BT 0 7.8 -13 0 170.051 242.2007 Tm (7,525,991)Tj 7.268 0 Td (1,767,659)Tj 9.535 0 Td (\(744\))Tj 6.326 0 Td (12,702)Tj 6.743 0 Td (831,643)Tj 6.468 0 Td (3,631,670)Tj 7.268 0 Td (2,332,358)Tj 6.743 0 Td (16,101,279)Tj 9.118 0 Td (28,850)Tj 5.418 0 Td (16,130,129)Tj ET q 1 0 0 1 174.461 229.6064 cm 0 0 m 0 45.354 l S Q BT 0 Tc 0 Tw 0 13 -13 0 173.0601 267.8108 Tm ( )Tj ET q 1 0 0 1 174.461 286.2993 cm 0 0 m 0 45.354 l S Q BT 0 13 -13 0 173.0601 324.5037 Tm ( )Tj ET q 1 0 0 1 174.461 342.9922 cm 0 0 m 0 45.354 l S Q BT 0 13 -13 0 173.0601 381.1966 Tm ( )Tj ET q 1 0 0 1 174.461 399.6852 cm 0 0 m 0 45.354 l S Q BT 0 13 -13 0 173.0601 437.8895 Tm ( )Tj ET q 1 0 0 1 174.461 456.3781 cm 0 0 m 0 45.354 l S Q BT 0 13 -13 0 173.0601 494.5824 Tm ( )Tj ET q 1 0 0 1 174.461 513.071 cm 0 0 m 0 45.354 l S Q BT 0 13 -13 0 173.0601 551.2753 Tm ( )Tj ET q 1 0 0 1 174.461 569.7639 cm 0 0 m 0 45.354 l S Q BT 0 13 -13 0 173.0601 607.9682 Tm ( )Tj ET q 1 0 0 1 174.461 626.4568 cm 0 0 m 0 45.354 l S Q BT 0 13 -13 0 173.0601 664.6611 Tm ( )Tj ET q 1 0 0 1 174.461 683.1497 cm 0 0 m 0 45.354 l S Q BT 0 13 -13 0 173.0601 721.354 Tm ( )Tj ET q 1 0 0 1 174.461 739.8427 cm 0 0 m 0 45.354 l S Q BT 0 13 -13 0 173.0601 778.0469 Tm ( )Tj 0.025 Tc 0 7.8 -13 0 205.0601 85.0395 Tm (Profit for the period)Tj 0 Tc 23.849 0 Td (\226)Tj 7.268 0 Td (\226)Tj 7.268 0 Td (\226)Tj 7.268 0 Td (\226)Tj 7.268 0 Td (\226)Tj 7.268 0 Td (\226)Tj 0.025 Tc -0.025 Tw 3.568 0 Td (2,211,388)Tj 7.268 0 Td (2,211,388)Tj 9.535 0 Td (\(961\))Tj 5.001 0 Td (2,210,427)Tj ET q 0 0 595.276 841.89 re W n BT 0 Tw 0 7.8 -13 0 221.0601 85.0395 Tm (Other comprehensive \(expenses\)/income )Tj ET Q BT 0 Tw 0 7.8 -13 0 237.0601 90.7088 Tm (for the period)Tj 0 Tc 23.122 0 Td (\226)Tj 7.268 0 Td (\226)Tj 0.025 Tc -0.025 Tw 5.835 0 Td (\(960\))Tj 6.326 0 Td (43,217)Tj 0 Tc 0 Tw 9.643 0 Td (\226)Tj 7.268 0 Td (\226)Tj 7.268 0 Td (\226)Tj 0.025 Tc -0.025 Tw 4.893 0 Td (42,257)Tj 0 Tc 0 Tw 9.643 0 Td (\226)Tj 0.025 Tc -0.025 Tw 4.893 0 Td (42,257)Tj ET q 1 0 0 1 241.4701 229.6064 cm 0 0 m 0 45.354 l S Q BT 0 Tc 0 Tw 0 13 -13 0 240.0691 267.8107 Tm ( )Tj ET q 1 0 0 1 241.4701 286.2993 cm 0 0 m 0 45.354 l S Q BT 0 13 -13 0 240.0691 324.5036 Tm ( )Tj ET q 1 0 0 1 241.4701 342.9922 cm 0 0 m 0 45.354 l S Q BT 0 13 -13 0 240.0691 381.1965 Tm ( )Tj ET q 1 0 0 1 241.4701 399.6851 cm 0 0 m 0 45.354 l S Q BT 0 13 -13 0 240.0691 437.8894 Tm ( )Tj ET q 1 0 0 1 241.4701 456.378 cm 0 0 m 0 45.354 l S Q BT 0 13 -13 0 240.0691 494.5823 Tm ( )Tj ET q 1 0 0 1 241.4701 513.0709 cm 0 0 m 0 45.354 l S Q BT 0 13 -13 0 240.0691 551.2753 Tm ( )Tj ET q 1 0 0 1 241.4701 569.7639 cm 0 0 m 0 45.354 l S Q BT 0 13 -13 0 240.0691 607.9681 Tm ( )Tj ET q 1 0 0 1 241.4701 626.4568 cm 0 0 m 0 45.354 l S Q BT 0 13 -13 0 240.0691 664.6611 Tm ( )Tj ET q 1 0 0 1 241.4701 683.1497 cm 0 0 m 0 45.354 l S Q BT 0 13 -13 0 240.0691 721.3539 Tm ( )Tj ET q 1 0 0 1 241.4701 739.8426 cm 0 0 m 0 45.354 l S Q BT 0 13 -13 0 240.0691 778.0469 Tm ( )Tj ET q 0 0 595.276 841.89 re W n BT 0.025 Tc 0 7.8 -13 0 272.0691 85.0394 Tm (Total comprehensive \(expenses\)/income )Tj ET Q BT 0.025 Tc 0 7.8 -13 0 288.0691 90.7087 Tm (for the period)Tj 0 Tc 23.122 0 Td (\226)Tj 7.268 0 Td (\226)Tj 0.025 Tc -0.025 Tw 5.835 0 Td (\(960\))Tj 6.326 0 Td (43,217)Tj 0 Tc 0 Tw 9.643 0 Td (\226)Tj 7.268 0 Td (\226)Tj 0.025 Tc -0.025 Tw 3.568 0 Td (2,211,388)Tj 7.268 0 Td (2,253,645)Tj 9.535 0 Td (\(961\))Tj 5.001 0 Td (2,252,684)Tj ET q 1 0 0 1 292.4792 229.6064 cm 0 0 m 0 45.354 l S Q BT 0 Tc 0 Tw 0 13 -13 0 291.0782 267.8107 Tm ( )Tj ET q 1 0 0 1 292.4792 286.2993 cm 0 0 m 0 45.354 l S Q BT 0 13 -13 0 291.0782 324.5036 Tm ( )Tj ET q 1 0 0 1 292.4792 342.9922 cm 0 0 m 0 45.354 l S Q BT 0 13 -13 0 291.0782 381.1965 Tm ( )Tj ET q 1 0 0 1 292.4792 399.6851 cm 0 0 m 0 45.354 l S Q BT 0 13 -13 0 291.0782 437.8894 Tm ( )Tj ET q 1 0 0 1 292.4792 456.378 cm 0 0 m 0 45.354 l S Q BT 0 13 -13 0 291.0782 494.5823 Tm ( )Tj ET q 1 0 0 1 292.4792 513.0709 cm 0 0 m 0 45.354 l S Q BT 0 13 -13 0 291.0782 551.2753 Tm ( )Tj ET q 1 0 0 1 292.4792 569.7639 cm 0 0 m 0 45.354 l S Q BT 0 13 -13 0 291.0782 607.9681 Tm ( )Tj ET q 1 0 0 1 292.4792 626.4568 cm 0 0 m 0 45.354 l S Q BT 0 13 -13 0 291.0782 664.6611 Tm ( )Tj ET q 1 0 0 1 292.4792 683.1497 cm 0 0 m 0 45.354 l S Q BT 0 13 -13 0 291.0782 721.3539 Tm ( )Tj ET q 1 0 0 1 292.4792 739.8426 cm 0 0 m 0 45.354 l S Q BT 0 13 -13 0 291.0782 778.0469 Tm ( )Tj 0.025 Tc 0 7.8 -13 0 323.0782 85.0394 Tm (Change in share capital)Tj ET q 0 0 595.276 841.89 re W n BT 0 7.8 -13 0 339.0782 85.0394 Tm (\226 Capital contributed by equity )Tj ET Q BT -0.025 Tw 0 7.8 -13 0 355.0782 94.0394 Tm (shareholders)Tj 18.995 0 Td (2,543,800)Tj 7.268 0 Td (3,058,642)Tj 0 Tc 0 Tw 10.968 0 Td (\226)Tj 7.268 0 Td (\226)Tj 7.268 0 Td (\226)Tj 7.268 0 Td (\226)Tj 7.268 0 Td (\226)Tj 0.025 Tc -0.025 Tw 3.568 0 Td (5,602,442)Tj 0 Tc 0 Tw 10.968 0 Td (\226)Tj 0.025 Tc -0.025 Tw 3.568 0 Td (5,602,442)Tj 0 Tw -85.564 -1.231 Td (Share Issue expenses)Tj 0 Tc 23.849 0 Td (\226)Tj 0.025 Tc -0.025 Tw 3.985 0 Td (\(168,487\))Tj 0 Tc 0 Tw 10.551 0 Td (\226)Tj 7.268 0 Td (\226)Tj 7.268 0 Td (\226)Tj 7.268 0 Td (\226)Tj 7.268 0 Td (\226)Tj 0.025 Tc -0.025 Tw 3.985 0 Td (\(168,487\))Tj 0 Tc 0 Tw 10.551 0 Td (\226)Tj 0.025 Tc -0.025 Tw 3.985 0 Td (\(168,487\))Tj 0 Tw -85.981 -1.231 Td (Appropriation of profits)Tj ET q 0 0 595.276 841.89 re W n BT 0 7.8 -13 0 403.0782 85.0392 Tm (\226 Appropriation to surplus reserve)Tj ET Q BT 0 Tc 0 7.8 -13 0 403.0782 271.0605 Tm (\226)Tj 7.268 0 Td (\226)Tj 7.268 0 Td (\226)Tj 7.268 0 Td (\226)Tj 0.025 Tc -0.025 Tw 4.368 0 Td (335,288)Tj 0 Tc 0 Tw 10.168 0 Td (\226)Tj 0.025 Tc -0.025 Tw 3.985 0 Td (\(335,288\))Tj 0 Tc 0 Tw 10.551 0 Td (\226)Tj 7.268 0 Td (\226)Tj 7.268 0 Td (\226)Tj ET q 1 0 0 1 407.4883 229.6061 cm 0 0 m 0 45.354 l S Q BT 0 13 -13 0 406.0873 267.8104 Tm ( )Tj ET q 1 0 0 1 407.4883 286.299 cm 0 0 m 0 45.354 l S Q BT 0 13 -13 0 406.0873 324.5033 Tm ( )Tj ET q 1 0 0 1 407.4883 342.9919 cm 0 0 m 0 45.354 l S Q BT 0 13 -13 0 406.0873 381.1962 Tm ( )Tj ET q 1 0 0 1 407.4883 399.6848 cm 0 0 m 0 45.354 l S Q BT 0 13 -13 0 406.0873 437.8891 Tm ( )Tj ET q 1 0 0 1 407.4883 456.3777 cm 0 0 m 0 45.354 l S Q BT 0 13 -13 0 406.0873 494.582 Tm ( )Tj ET q 1 0 0 1 407.4883 513.0706 cm 0 0 m 0 45.354 l S Q BT 0 13 -13 0 406.0873 551.275 Tm ( )Tj ET q 1 0 0 1 407.4883 569.7635 cm 0 0 m 0 45.354 l S Q BT 0 13 -13 0 406.0873 607.9678 Tm ( )Tj ET q 1 0 0 1 407.4883 626.4565 cm 0 0 m 0 45.354 l S Q BT 0 13 -13 0 406.0873 664.6608 Tm ( )Tj ET q 1 0 0 1 407.4883 683.1494 cm 0 0 m 0 45.354 l S Q BT 0 13 -13 0 406.0873 721.3536 Tm ( )Tj ET q 1 0 0 1 407.4883 739.8423 cm 0 0 m 0 45.354 l S Q BT 0 13 -13 0 406.0873 778.0466 Tm ( )Tj ET q 0 0 595.276 841.89 re W n BT /T1_1 1 Tf 0.025 Tc 0 7.8 -13 0 438.0873 85.0391 Tm (At June 30, 2018 \(Unaudited\))Tj ET Q BT 0.025 Tc -0.025 Tw 0 7.8 -13 0 438.0873 238.1055 Tm (10,069,791)Tj 7.793 0 Td (4,657,814)Tj 8.735 0 Td (\(1,704\))Tj 7.126 0 Td (55,919)Tj 5.943 0 Td (1,166,931)Tj 7.268 0 Td (3,631,670)Tj 7.268 0 Td (4,208,458)Tj 6.743 0 Td (23,788,879)Tj 9.118 0 Td (27,889)Tj 5.418 0 Td (23,816,768)Tj ET 2.5 w q 1 0 0 1 443.6519 229.606 cm 0 0 m 0 45.354 l S Q 0.835 w q 1 0 0 1 446.9843 229.6061 cm 0 0 m 0 45.354 l S Q BT 0 Tc 0 Tw 0 13 -13 0 445.7509 267.8104 Tm ( )Tj ET 2.5 w q 1 0 0 1 443.6519 286.299 cm 0 0 m 0 45.354 l S Q 0.835 w q 1 0 0 1 446.9843 286.299 cm 0 0 m 0 45.354 l S Q BT 0 13 -13 0 445.7509 324.5033 Tm ( )Tj ET 2.5 w q 1 0 0 1 443.6519 342.9919 cm 0 0 m 0 45.354 l S Q 0.835 w q 1 0 0 1 446.9843 342.9919 cm 0 0 m 0 45.354 l S Q BT 0 13 -13 0 445.7509 381.1962 Tm ( )Tj ET 2.5 w q 1 0 0 1 443.6519 399.6848 cm 0 0 m 0 45.354 l S Q 0.835 w q 1 0 0 1 446.9843 399.6848 cm 0 0 m 0 45.354 l S Q BT 0 13 -13 0 445.7509 437.8891 Tm ( )Tj ET 2.5 w q 1 0 0 1 443.6519 456.3777 cm 0 0 m 0 45.354 l S Q 0.835 w q 1 0 0 1 446.9843 456.3777 cm 0 0 m 0 45.354 l S Q BT 0 13 -13 0 445.7509 494.582 Tm ( )Tj ET 2.5 w q 1 0 0 1 443.6519 513.0706 cm 0 0 m 0 45.354 l S Q 0.835 w q 1 0 0 1 446.9843 513.0706 cm 0 0 m 0 45.354 l S Q BT 0 13 -13 0 445.7509 551.275 Tm ( )Tj ET 2.5 w q 1 0 0 1 443.6519 569.7635 cm 0 0 m 0 45.354 l S Q 0.835 w q 1 0 0 1 446.9843 569.7635 cm 0 0 m 0 45.354 l S Q BT 0 13 -13 0 445.7509 607.9678 Tm ( )Tj ET 2.5 w q 1 0 0 1 443.6519 626.4565 cm 0 0 m 0 45.354 l S Q 0.835 w q 1 0 0 1 446.9843 626.4565 cm 0 0 m 0 45.354 l S Q BT 0 13 -13 0 445.7509 664.6608 Tm ( )Tj ET 2.5 w q 1 0 0 1 443.6519 683.1494 cm 0 0 m 0 45.354 l S Q 0.835 w q 1 0 0 1 446.9843 683.1494 cm 0 0 m 0 45.354 l S Q BT 0 13 -13 0 445.7509 721.3536 Tm ( )Tj ET 2.5 w q 1 0 0 1 443.6519 739.8423 cm 0 0 m 0 45.354 l S Q 0.835 w q 1 0 0 1 446.9843 739.8423 cm 0 0 m 0 45.354 l S Q BT 0 13 -13 0 445.7509 778.0466 Tm ( )Tj ET endstream endobj 120 0 obj <>stream BT 0 0 0 1 k /Perceptual ri /GS0 gs /T1_0 1 Tf 0.025 Tc 12 0 0 12 281.8878 18.7502 Tm (\226 74 \226)Tj ET q 0 0 595.276 841.89 re W n BT /T1_1 1 Tf 0 13 -13 0 65.8843 85.0394 Tm (CONDENSED CONSOLIDATED STATEMENT OF CHANGES IN EQUITY)Tj /T1_0 1 Tf 0 13 -13 3.4833 81.8843 83.7053 Tm (For the six months ended June 30, 2019)Tj ET Q BT /T1_1 1 Tf 0 8.45 -13 0 113.8843 384.2039 Tm (Attributable to owners of the Bank)Tj ET 0 0 0 1 K 0.5 w q 1 0 0 1 118.2943 229.6064 cm 0 0 m 0 442.205 l S Q BT 0 Tc 0.025 Tw 0 8.45 -13 0 116.8933 267.9895 Tm ( )Tj 0.025 Tc -0.025 Tw -1.775 -2.462 Td (Share )Tj -0.717 -1.231 Td (Capital)Tj 6.709 1.231 Td (Capital )Tj 0.058 -1.231 Td (reserve)Tj 6.485 2.462 Td (Defined )Tj 0 Tw -1.876 -1.231 Td (benefit plan )Tj -0.025 Tw 2.1 -1.231 Td (reserve)Tj 4.966 2.462 Td (Investment )Tj -0.137 -1.231 Td (revaluation )Tj 1.88 -1.231 Td (reserve)Tj 6.483 1.231 Td (Surplus )Tj 0.226 -1.231 Td (reserve)Tj 6.374 1.231 Td (General )Tj 0.335 -1.231 Td (reserve)Tj 5.96 1.231 Td (Retained )Tj 0.166 -1.231 Td (earnings)Tj 6.406 0 Td (Sub-total)Tj 8.668 2.462 Td (Non- )Tj -2.731 -1.231 Td (controlling )Tj 1.107 -1.231 Td (interests)Tj 8.141 0 Td (Total)Tj 0 8.45 -13 3.4833 180.8934 237.1569 Tm (RMB\222000)Tj 6.709 0 Td (RMB\222000)Tj 6.709 0 Td (RMB\222000)Tj 6.709 0 Td (RMB\222000)Tj 6.709 0 Td (RMB\222000)Tj 6.709 0 Td (RMB\222000)Tj 6.709 0 Td (RMB\222000)Tj 6.709 0 Td (RMB\222000)Tj 6.709 0 Td (RMB\222000)Tj 6.709 0 Td (RMB\222000)Tj ET q 0 0 595.276 841.89 re W n BT 0 Tw 0 8.45 -13 0 212.8934 85.0395 Tm (At January 1, 2019 \(Audited\))Tj ET Q BT 0 8.45 -13 0 212.8934 235.0346 Tm (10,069,791)Tj 7.234 0 Td (4,658,314)Tj 8.176 0 Td (\(4,156\))Tj 6.042 0 Td (261,427)Tj 5.909 0 Td (1,510,052)Tj 6.709 0 Td (4,423,117)Tj 6.709 0 Td (4,297,780)Tj 6.184 0 Td (25,216,325)Tj 8.559 0 Td (31,266)Tj 4.859 0 Td (25,247,591)Tj ET q 1 0 0 1 217.3034 229.6064 cm 0 0 m 0 45.354 l S Q BT 0 Tc 0 Tw 0 8.45 -13 0 215.9024 270.3133 Tm ( )Tj ET q 1 0 0 1 217.3034 286.2993 cm 0 0 m 0 45.354 l S Q BT 0 8.45 -13 0 215.9024 327.0062 Tm ( )Tj ET q 1 0 0 1 217.3034 342.9923 cm 0 0 m 0 45.354 l S Q BT 0 8.45 -13 0 215.9024 383.6992 Tm ( )Tj ET q 1 0 0 1 217.3034 399.6852 cm 0 0 m 0 45.354 l S Q BT 0 8.45 -13 0 215.9024 440.3921 Tm ( )Tj ET q 1 0 0 1 217.3034 456.3781 cm 0 0 m 0 45.354 l S Q BT 0 8.45 -13 0 215.9024 497.085 Tm ( )Tj ET q 1 0 0 1 217.3034 513.071 cm 0 0 m 0 45.354 l S Q BT 0 8.45 -13 0 215.9024 553.7779 Tm ( )Tj ET q 1 0 0 1 217.3034 569.7639 cm 0 0 m 0 45.354 l S Q BT 0 8.45 -13 0 215.9024 610.4708 Tm ( )Tj ET q 1 0 0 1 217.3034 626.4568 cm 0 0 m 0 45.354 l S Q BT 0 8.45 -13 0 215.9024 667.1637 Tm ( )Tj ET q 1 0 0 1 217.3034 683.1497 cm 0 0 m 0 45.354 l S Q BT 0 8.45 -13 0 215.9024 723.8566 Tm ( )Tj ET q 1 0 0 1 217.3034 739.8427 cm 0 0 m 0 45.354 l S Q BT 0 8.45 -13 0 215.9024 780.5495 Tm ( )Tj /T1_0 1 Tf 0.025 Tc -82.309 -2.462 Td (Profit for the period)Tj /T1_1 1 Tf 0 Tc 21.976 0 Td (\226)Tj 6.709 0 Td (\226)Tj 6.709 0 Td (\226)Tj 6.709 0 Td (\226)Tj 6.709 0 Td (\226)Tj 6.709 0 Td (\226)Tj 0.025 Tc -0.025 Tw 3.809 0 Td (513,718)Tj 6.709 0 Td (513,718)Tj 7.759 0 Td (4,624)Tj 5.659 0 Td (518,342)Tj ET q 0 0 595.276 841.89 re W n BT /T1_0 1 Tf 0 Tw 0 8.45 -13 0 263.9024 85.0395 Tm (Other comprehensive income/)Tj ET Q BT /T1_0 1 Tf 0 Tw 0 8.45 -13 0 279.9024 90.7088 Tm (\(expenses\) for the period)Tj /T1_1 1 Tf 0 Tc 21.305 0 Td (\226)Tj 6.709 0 Td (\226)Tj 0.025 Tc -0.025 Tw 4.859 0 Td (1,365)Tj 5.801 0 Td (\(30,274\))Tj 0 Tc 0 Tw 9.467 0 Td (\226)Tj 6.709 0 Td (\226)Tj 6.709 0 Td (\226)Tj 0.025 Tc -0.025 Tw 3.951 0 Td (\(28,909\))Tj 0 Tc 0 Tw 9.467 0 Td (\226)Tj 0.025 Tc -0.025 Tw 3.951 0 Td (\(28,909\))Tj ET q 1 0 0 1 284.3125 229.6064 cm 0 0 m 0 45.354 l S Q BT 0 Tc 0 Tw 0 8.45 -13 0 282.9115 270.3133 Tm ( )Tj ET q 1 0 0 1 284.3125 286.2993 cm 0 0 m 0 45.354 l S Q BT 0 8.45 -13 0 282.9115 327.0062 Tm ( )Tj ET q 1 0 0 1 284.3125 342.9923 cm 0 0 m 0 45.354 l S Q BT 0 8.45 -13 0 282.9115 383.6992 Tm ( )Tj ET q 1 0 0 1 284.3125 399.6852 cm 0 0 m 0 45.354 l S Q BT 0 8.45 -13 0 282.9115 440.3921 Tm ( )Tj ET q 1 0 0 1 284.3125 456.3781 cm 0 0 m 0 45.354 l S Q BT 0 8.45 -13 0 282.9115 497.085 Tm ( )Tj ET q 1 0 0 1 284.3125 513.071 cm 0 0 m 0 45.354 l S Q BT 0 8.45 -13 0 282.9115 553.7779 Tm ( )Tj ET q 1 0 0 1 284.3125 569.7639 cm 0 0 m 0 45.354 l S Q BT 0 8.45 -13 0 282.9115 610.4708 Tm ( )Tj ET q 1 0 0 1 284.3125 626.4568 cm 0 0 m 0 45.354 l S Q BT 0 8.45 -13 0 282.9115 667.1637 Tm ( )Tj ET q 1 0 0 1 284.3125 683.1497 cm 0 0 m 0 45.354 l S Q BT 0 8.45 -13 0 282.9115 723.8566 Tm ( )Tj ET q 1 0 0 1 284.3125 739.8427 cm 0 0 m 0 45.354 l S Q BT 0 8.45 -13 0 282.9115 780.5495 Tm ( )Tj ET q 0 0 595.276 841.89 re W n BT /T1_0 1 Tf 0.025 Tc 0 8.45 -13 0 314.9115 85.0395 Tm (Total comprehensive income/)Tj ET Q BT /T1_0 1 Tf 0.025 Tc 0 8.45 -13 0 330.9115 90.7088 Tm (\(expenses\) for the period)Tj /T1_1 1 Tf 0 Tc 21.305 0 Td (\226)Tj 6.709 0 Td (\226)Tj 0.025 Tc -0.025 Tw 4.859 0 Td (1,365)Tj 5.801 0 Td (\(30,274\))Tj 0 Tc 0 Tw 9.467 0 Td (\226)Tj 6.709 0 Td (\226)Tj 0.025 Tc -0.025 Tw 3.809 0 Td (513,718)Tj 6.709 0 Td (484,809)Tj 7.759 0 Td (4,624)Tj 5.659 0 Td (489,433)Tj ET q 1 0 0 1 335.3216 229.6064 cm 0 0 m 0 45.354 l S Q BT 0 Tc 0 Tw 0 8.45 -13 0 333.9206 270.3133 Tm ( )Tj ET q 1 0 0 1 335.3216 286.2993 cm 0 0 m 0 45.354 l S Q BT 0 8.45 -13 0 333.9206 327.0062 Tm ( )Tj ET q 1 0 0 1 335.3216 342.9923 cm 0 0 m 0 45.354 l S Q BT 0 8.45 -13 0 333.9206 383.6992 Tm ( )Tj ET q 1 0 0 1 335.3216 399.6852 cm 0 0 m 0 45.354 l S Q BT 0 8.45 -13 0 333.9206 440.3921 Tm ( )Tj ET q 1 0 0 1 335.3216 456.3781 cm 0 0 m 0 45.354 l S Q BT 0 8.45 -13 0 333.9206 497.085 Tm ( )Tj ET q 1 0 0 1 335.3216 513.071 cm 0 0 m 0 45.354 l S Q BT 0 8.45 -13 0 333.9206 553.7779 Tm ( )Tj ET q 1 0 0 1 335.3216 569.7639 cm 0 0 m 0 45.354 l S Q BT 0 8.45 -13 0 333.9206 610.4708 Tm ( )Tj ET q 1 0 0 1 335.3216 626.4568 cm 0 0 m 0 45.354 l S Q BT 0 8.45 -13 0 333.9206 667.1637 Tm ( )Tj ET q 1 0 0 1 335.3216 683.1497 cm 0 0 m 0 45.354 l S Q BT 0 8.45 -13 0 333.9206 723.8566 Tm ( )Tj ET q 1 0 0 1 335.3216 739.8427 cm 0 0 m 0 45.354 l S Q BT 0 8.45 -13 0 333.9206 780.5495 Tm ( )Tj /T1_0 1 Tf 0.025 Tc -82.309 -2.462 Td (Shareholders\222 injection)Tj /T1_1 1 Tf 0 Tc 21.976 0 Td (\226)Tj 0.025 Tc -0.025 Tw 4.859 0 Td (1,058)Tj 0 Tc 0 Tw 8.559 0 Td (\226)Tj 6.709 0 Td (\226)Tj 6.709 0 Td (\226)Tj 6.709 0 Td (\226)Tj 6.709 0 Td (\226)Tj 0.025 Tc -0.025 Tw 4.859 0 Td (1,058)Tj 0 Tc 0 Tw 8.559 0 Td (\226)Tj 0.025 Tc -0.025 Tw 4.859 0 Td (1,058)Tj /T1_0 1 Tf 0 Tw -80.509 -1.231 Td (Dividends declared)Tj /T1_1 1 Tf 0 Tc 21.976 0 Td (\226)Tj 6.709 0 Td (\226)Tj 6.709 0 Td (\226)Tj 6.709 0 Td (\226)Tj 6.709 0 Td (\226)Tj 6.709 0 Td (\226)Tj 0.025 Tc -0.025 Tw 2.626 0 Td (\(1,029,365\))Tj 6.709 0 Td (\(1,029,365\))Tj 0 Tc 0 Tw 10.792 0 Td (\226)Tj 0.025 Tc -0.025 Tw 2.626 0 Td (\(1,029,365\))Tj ET q 1 0 0 1 386.3307 229.6064 cm 0 0 m 0 45.354 l S Q BT 0 Tc 0 Tw 0 8.45 -13 0 384.9297 270.3133 Tm ( )Tj ET q 1 0 0 1 386.3307 286.2993 cm 0 0 m 0 45.354 l S Q BT 0 8.45 -13 0 384.9297 327.0062 Tm ( )Tj ET q 1 0 0 1 386.3307 342.9923 cm 0 0 m 0 45.354 l S Q BT 0 8.45 -13 0 384.9297 383.6992 Tm ( )Tj ET q 1 0 0 1 386.3307 399.6852 cm 0 0 m 0 45.354 l S Q BT 0 8.45 -13 0 384.9297 440.3921 Tm ( )Tj ET q 1 0 0 1 386.3307 456.3781 cm 0 0 m 0 45.354 l S Q BT 0 8.45 -13 0 384.9297 497.085 Tm ( )Tj ET q 1 0 0 1 386.3307 513.071 cm 0 0 m 0 45.354 l S Q BT 0 8.45 -13 0 384.9297 553.7779 Tm ( )Tj ET q 1 0 0 1 386.3307 569.7639 cm 0 0 m 0 45.354 l S Q BT 0 8.45 -13 0 384.9297 610.4708 Tm ( )Tj ET q 1 0 0 1 386.3307 626.4568 cm 0 0 m 0 45.354 l S Q BT 0 8.45 -13 0 384.9297 667.1637 Tm ( )Tj ET q 1 0 0 1 386.3307 683.1497 cm 0 0 m 0 45.354 l S Q BT 0 8.45 -13 0 384.9297 723.8566 Tm ( )Tj ET q 1 0 0 1 386.3307 739.8427 cm 0 0 m 0 45.354 l S Q BT 0 8.45 -13 0 384.9297 780.5495 Tm ( )Tj ET q 0 0 595.276 841.89 re W n BT 0.025 Tc 0 8.45 -13 0 416.9297 85.0395 Tm (At June 30, 2019 \(Unaudited\))Tj ET Q BT 0.025 Tc -0.025 Tw 0 8.45 -13 0 416.9297 235.0346 Tm (10,069,791)Tj 7.234 0 Td (4,659,372)Tj 8.176 0 Td (\(2,791\))Tj 6.042 0 Td (231,153)Tj 5.909 0 Td (1,510,052)Tj 6.709 0 Td (4,423,117)Tj 6.709 0 Td (3,782,133)Tj 6.184 0 Td (24,672,827)Tj 8.559 0 Td (35,890)Tj 4.859 0 Td (24,708,717)Tj ET 2.5 w q 1 0 0 1 422.4943 229.6064 cm 0 0 m 0 45.354 l S Q 0.835 w q 1 0 0 1 425.8268 229.6064 cm 0 0 m 0 45.354 l S Q BT 0 Tc 0 Tw 0 8.45 -13 0 424.5933 270.3133 Tm ( )Tj ET 2.5 w q 1 0 0 1 422.4943 286.2993 cm 0 0 m 0 45.354 l S Q 0.835 w q 1 0 0 1 425.8268 286.2993 cm 0 0 m 0 45.354 l S Q BT 0 8.45 -13 0 424.5933 327.0062 Tm ( )Tj ET 2.5 w q 1 0 0 1 422.4943 342.9923 cm 0 0 m 0 45.354 l S Q 0.835 w q 1 0 0 1 425.8268 342.9923 cm 0 0 m 0 45.354 l S Q BT 0 8.45 -13 0 424.5933 383.6992 Tm ( )Tj ET 2.5 w q 1 0 0 1 422.4943 399.6852 cm 0 0 m 0 45.354 l S Q 0.835 w q 1 0 0 1 425.8268 399.6852 cm 0 0 m 0 45.354 l S Q BT 0 8.45 -13 0 424.5933 440.3921 Tm ( )Tj ET 2.5 w q 1 0 0 1 422.4943 456.3781 cm 0 0 m 0 45.354 l S Q 0.835 w q 1 0 0 1 425.8268 456.3781 cm 0 0 m 0 45.354 l S Q BT 0 8.45 -13 0 424.5933 497.085 Tm ( )Tj ET 2.5 w q 1 0 0 1 422.4943 513.071 cm 0 0 m 0 45.354 l S Q 0.835 w q 1 0 0 1 425.8268 513.071 cm 0 0 m 0 45.354 l S Q BT 0 8.45 -13 0 424.5933 553.7779 Tm ( )Tj ET 2.5 w q 1 0 0 1 422.4943 569.7639 cm 0 0 m 0 45.354 l S Q 0.835 w q 1 0 0 1 425.8268 569.7639 cm 0 0 m 0 45.354 l S Q BT 0 8.45 -13 0 424.5933 610.4708 Tm ( )Tj ET 2.5 w q 1 0 0 1 422.4943 626.4568 cm 0 0 m 0 45.354 l S Q 0.835 w q 1 0 0 1 425.8268 626.4568 cm 0 0 m 0 45.354 l S Q BT 0 8.45 -13 0 424.5933 667.1637 Tm ( )Tj ET 2.5 w q 1 0 0 1 422.4943 683.1497 cm 0 0 m 0 45.354 l S Q 0.835 w q 1 0 0 1 425.8268 683.1497 cm 0 0 m 0 45.354 l S Q BT 0 8.45 -13 0 424.5933 723.8566 Tm ( )Tj ET 2.5 w q 1 0 0 1 422.4943 739.8427 cm 0 0 m 0 45.354 l S Q 0.835 w q 1 0 0 1 425.8268 739.8427 cm 0 0 m 0 45.354 l S Q BT 0 8.45 -13 0 424.5933 780.5495 Tm ( )Tj ET endstream endobj 119 0 obj <>stream BT 0 0 0 1 k /Perceptual ri /GS0 gs /T1_0 1 Tf 0.025 Tc 12 0 0 12 281.8878 18.7502 Tm (\226 73 \226)Tj /T1_1 1 Tf -0.025 Tw 13 0 0 13 439.5036 770.8479 Tm (At )Tj 0 Tw -2.651 -1.231 Td (June 30,)Tj /T1_0 1 Tf -0.025 Tw 9.247 1.231 Td (At )Tj 0 Tw -4.859 -1.231 Td (December 31,)Tj /T1_1 1 Tf -0.025 Tw -2.733 -1.231 Td (2019)Tj /T1_0 1 Tf 6.541 0 Td (2018)Tj 13 0 3.4833 13 335.765 722.8479 Tm (Notes)Tj /T1_1 1 Tf 4.641 0 Td (RMB\222000)Tj /T1_0 1 Tf 6.651 0 Td (RMB\222000)Tj /T1_1 1 Tf 13 0 0 13 383.123 706.8479 Tm (\(Unaudited\))Tj /T1_0 1 Tf 7.87 0 Td (\(Audited\))Tj /T1_1 1 Tf 0 Tw -30.8 -2.462 Td (Liabilities and equity)Tj -0.025 Tw 0 -1.231 TD (Liabilities)Tj /T1_0 1 Tf 0 Tw 0.654 -1.231 Td (Borrowings from the central bank)Tj /T1_1 1 Tf -0.025 Tw 23.492 0 Td (6,183,770)Tj /T1_0 1 Tf 6.016 0 Td (11,650,851)Tj 0 Tw -29.509 -1.231 Td (Deposits from banks and other financial )Tj -0.025 Tw 0.654 -1.231 Td (institutions)Tj /T1_1 1 Tf 22.313 0 Td (13,925,658)Tj /T1_0 1 Tf 6.541 0 Td (15,513,772)Tj 0 Tw -29.509 -1.231 Td (Placements from banks and other financial )Tj -0.025 Tw 0.654 -1.231 Td (institutions)Tj /T1_1 1 Tf 22.838 0 Td (3,010,000)Tj /T1_0 1 Tf 6.541 0 Td (3,300,000)Tj 0 Tw -30.034 -1.231 Td (Financial assets sold under repurchase )Tj -0.025 Tw 0.654 -1.231 Td (agreements)Tj /T1_1 1 Tf 22.838 0 Td (5,135,453)Tj /T1_0 1 Tf 6.016 0 Td (11,716,985)Tj 0 Tw -29.509 -1.231 Td (Deposits from customers)Tj /T1_1 1 Tf -0.025 Tw 22.442 0 Td (235,622,916)Tj /T1_0 1 Tf 6.541 0 Td (210,723,317)Tj 0 Tw -28.984 -1.231 Td (Accrued staff costs)Tj /T1_1 1 Tf -0.025 Tw 24.292 0 Td (293,306)Tj /T1_0 1 Tf 6.541 0 Td (478,344)Tj 0 Tw -30.834 -1.231 Td (Taxes payable)Tj /T1_1 1 Tf 0 Tc 27.192 0 Td (\226)Tj /T1_0 1 Tf 0.025 Tc -0.025 Tw 3.641 0 Td (491,170)Tj 0 Tw -30.834 -1.231 Td (Interests payable)Tj /T1_1 1 Tf -0.025 Tw 23.492 0 Td (7,020,730)Tj /T1_0 1 Tf 6.541 0 Td (6,418,933)Tj 0 Tw -30.034 -1.231 Td (Debts securities issued)Tj -0.025 Tw 19.439 0 Td (17)Tj /T1_1 1 Tf 3.528 0 Td (43,436,871)Tj /T1_0 1 Tf 6.541 0 Td (41,576,773)Tj 0 Tw -29.509 -1.231 Td (Deferred tax liabilities)Tj /T1_1 1 Tf -0.025 Tw 24.292 0 Td (100,333)Tj /T1_0 1 Tf 6.541 0 Td (135,263)Tj 0 Tw -30.834 -1.231 Td (Other liabilities)Tj /T1_1 1 Tf -0.025 Tw 23.492 0 Td (3,353,577)Tj /T1_0 1 Tf 6.541 0 Td (1,369,372)Tj ET 0 0 0 1 K 0.5 w q 1 0 0 1 379.8425 430.4378 cm 0 0 m 73.701 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 13 0 0 13 374.1732 431.8388 Tm ( )Tj ET q 1 0 0 1 464.8819 430.4378 cm 0 0 m 73.701 0 l S Q BT /T1_0 1 Tf 13 0 0 13 459.2126 431.8388 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -28.783 -2.462 Td (Total liabilities)Tj -0.025 Tw 23.096 0 Td (318,082,614)Tj /T1_0 1 Tf 6.541 0 Td (303,374,780)Tj ET q 1 0 0 1 379.8425 395.4288 cm 0 0 m 73.701 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 13 0 0 13 374.1732 396.8298 Tm ( )Tj ET q 1 0 0 1 464.8819 395.4288 cm 0 0 m 73.701 0 l S Q BT /T1_0 1 Tf 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Our Directors believe that )Tj 0.044 Tc 0.07 Tw T* [(during)12.3 ( the)12.4 ( Reporting)12.3 ( Period,)12.3 ( the)12.3 ( Bank)12.3 ( has)12.3 ( complied)12.3 ( with)12.3 ( all)12.3 ( compulsory)19 ( )]TJ 0.025 Tc 0.03 Tw T* (code provisions contained in the Corporate Governance Code. The Bank has\ )Tj 0.034 Tc 0.074 Tw T* [(also)9 ( )0.5 (strictly)9 ( )0.5 (complied)9 ( )0.5 (with)9 ( )0.5 (the)9 ( )0.5 (provisions)9.1 ( )0.5 (regarding)9 ( )0.5 (management)9 ( )0.5 (of)9.1 ( )0.5 (inside)9.1 ( )]TJ 0.041 Tc 0.07 Tw T* [(information)12.2 ( required)12.2 ( under)12.2 ( applicable)12.2 ( laws)12.2 ( and)12.3 ( regulations)12.2 ( and)12.2 ( the)12.3 ( Hong)16 ( )]TJ 0.025 Tc 0 Tw T* (Kong Listing Rules.)Tj /T1_1 1 Tf 0.108 Tc 0.07 Tw -2.18 -2.462 Td [(2)83 ( )-1227.5 (Securities)12.2 ( Transactions)12.2 ( by)12.1 ( Directors,)12.2 ( Supervisors)12.2 ( and)12.2 ( Senior)83 ( )]TJ 0.025 Tc -0.025 Tw 2.18 -1.231 Td (Management)Tj /T1_0 1 Tf 0.045 Tc 0.07 Tw 0 -2.462 TD [(The)12.4 ( Bank)12.3 ( has)12.4 ( adopted,)12.3 ( in)12.4 ( respect)12.4 ( of)12.4 ( securities)12.3 ( transactions)12.4 ( by)12.4 ( Directors,)20 ( )]TJ 0.049 Tc 0 -1.231 TD [(Su)0.5 (per)0.5 (vis)0.5 (or)0.5 (s)12.9 ( a)0.5 (nd)13 ( se)0.5 (ni)0.5 (or)12.9 ( )0.5 (ma)0.5 (nag)0.5 (em)0.5 (ent)0.5 (,)12.9 ( )0.5 (a)12.9 ( c)0.5 (od)0.5 (e)12.9 ( o)0.5 (f)12.9 ( )0.5 (con)0.5 (duc)0.5 (t)12.9 ( )0.5 (on)12.9 ( )0.5 (te)0.5 (rms)13 ( n)0.5 (o)12.9 ( l)0.5 (ess)24.1 ( )]TJ 0.025 Tc 0.012 Tw 0 -1.231 TD (exacting than the required standards set out in the Model Code for Secur\ ities )Tj 0.041 Tc 0.07 Tw T* [(Transactions)12.8 ( by)12.9 ( Directors)12.8 ( of)12.8 ( Listed)12.9 ( Issuers)12.8 ( \(\223)]TJ /T1_1 1 Tf [(Model)12.9 ( Code)]TJ /T1_0 1 Tf [(\224\))12.9 ( as)12.8 ( set)12.9 ( out)12.9 ( in)16 ( )]TJ 0.025 Tc 0 Tw T* (Appendix 10 to the Hong Kong Listing Rules.)Tj 0.053 Tc 0.07 Tw 0 -2.462 TD [(Having)12.8 ( made)12.7 ( specific)12.7 ( enquiries)12.7 ( to)12.7 ( all)12.7 ( Directors,)12.7 ( Supervisors)12.7 ( and)12.7 ( senior)28 ( )]TJ 0.029 Tc 0.079 Tw 0 -1.231 TD [(management)4 ( )0.5 (of)4 ( )0.5 (the)4 ( )0.5 (Bank,)4 ( )0.5 (the)4 ( )0.5 (Bank)4 ( )0.5 (confirmed)4 ( )0.5 (that)4 ( )0.5 (they)4 ( )0.5 (had)4 ( )0.5 (complied)4 ( )0.5 (with)4 ( )]TJ 0.025 Tc 0 Tw T* (the Model Code during the Reporting Period.)Tj /T1_1 1 Tf -2.18 -2.462 Td [(3 )-1380.5 (Profits and Dividend)]TJ /T1_0 1 Tf 0.051 Tw 2.18 -2.462 Td (The Bank\222s revenue for the six months ended June 30, 2019 and the Ban\ k\222s )Tj 0.046 Tc 0.07 Tw T* [(financial)12.8 ( position)12.8 ( as)12.9 ( of)12.8 ( the)12.8 ( same)12.8 ( date)12.8 ( are)12.8 ( set)12.9 ( out)12.8 ( in)12.8 ( the)12.8 ( interim)12.9 ( financial)21 ( )]TJ 0.025 Tc 0 Tw T* (statements of this announcement.)Tj /T1_1 1 Tf 13 0 3.4833 13 112.0517 216.409 Tm [(\(1\) )-664.5 (2018 final dividend)]TJ /T1_0 1 Tf 0.052 Tc 0.07 Tw 13 0 0 13 141.7323 184.409 Tm [(As)12.6 ( considered)12.6 ( and)12.6 ( approved)12.5 ( at)12.6 ( the)12.5 ( 2)12.5 (0)12.6 (1)12.5 (8)12.5 ( annual)12.6 ( general)12.5 ( meeting)12.5 ( of)27 ( )]TJ 0.025 Tc 0.083 Tw T* [(the )0.5 (shareholders, )0.5 (the Bank )0.5 (would )0.5 (distribute )0.5 (the )0.5 (2018 )0.5 (final dividend )0.5 (to )]TJ 0.058 Tw T* (Shareholders in cash in an aggregate amount of RMB1,029,363,510.73 )Tj 0 Tw T* (\(tax inclusive\), representing RMB0.1022 per share \(tax inclusive\).)Tj 0.068 Tw 0 -2.462 TD (The Bank has distributed the 2018 final dividend on Friday, August 2, )Tj 0 Tw 0 -1.231 TD (2019 to all Shareholders on register as at Saturday, June 15, 2019.)Tj ET endstream endobj 123 0 obj <>stream BT 0 0 0 1 k /Perceptual ri /GS0 gs /T1_0 1 Tf 0.025 Tc 12 0 0 12 281.8878 18.7502 Tm (\226 67 \226)Tj 0.055 Tc 0.07 Tw 13 0 0 13 141.7323 776.3179 Tm [(In)12.2 ( April)12.3 ( 2)12.2 (0)12.3 (1)12.2 (7)12.3 (,)12.3 ( we)12.3 ( issued)12.2 ( financial)12.3 ( bonds)12.2 ( in)12.2 ( an)12.2 ( aggregate)12.3 ( principal)30 ( )]TJ 0.038 Tc 0 -1.231 TD [(amount)12.6 ( of)12.6 ( RMB)12.6 (1)12.5 (,)12.5 (0)12.6 (0)12.5 (0)12.6 (.)12.5 (0)12.5 ( million.)12.6 ( The)12.6 ( bonds)12.5 ( have)12.6 ( a)12.5 ( term)12.6 ( of)12.5 ( five)12.5 ( years)13 ( )]TJ 0.025 Tc 0 Tw T* (and bear an interest rate of 5.00% per annum.)Tj 0.061 Tc 0.07 Tw 0 -2.462 TD [(In)12.1 ( May)12.1 ( 2)12.1 (0)12.1 (1)12.1 (7)12.1 (,)12.1 ( we)12.1 ( issued)12.1 ( financial)12.1 ( bonds)12.2 ( in)12.1 ( an)12.1 ( aggregate)12.1 ( principal)36 ( )]TJ 0.025 Tc 0.082 Tw 0 -1.231 TD (amount of RMB1,000.0 million. The bonds have a term of three years )Tj 0 Tw T* (and bear an interest rate of 4.90% per annum.)Tj 0.043 Tc 0.07 Tw 0 -2.462 TD [(In)12.9 ( August)12.8 ( 2)12.9 (0)12.9 (1)12.9 (7)12.9 (,)12.9 ( we)12.9 ( issued)12.9 ( financial)12.9 ( bonds)12.9 ( in)12.9 ( an)12.8 ( a)0.5 (ggregate)12.9 ( principal)18 ( )]TJ 0.025 Tc 0.082 Tw 0 -1.231 TD (amount of RMB1,500.0 million. The bonds have a term of three years )Tj 0 Tw T* (and bear an interest rate of 4.85% per annum.)Tj 0.061 Tc 0.07 Tw 0 -2.462 TD [(In)12.1 ( May)12.1 ( 2)12.1 (0)12.1 (1)12.1 (8)12.1 (,)12.1 ( we)12.1 ( issued)12.1 ( financial)12.1 ( bonds)12.2 ( in)12.1 ( an)12.1 ( aggregate)12.1 ( principal)36 ( )]TJ 0.025 Tc 0.082 Tw 0 -1.231 TD (amount of RMB1,500.0 million. The bonds have a term of three years )Tj 0 Tw T* (and bear an interest rate of 4.87% per annum.)Tj 0.052 Tc 0.07 Tw 0 -2.462 TD [(Fro)0.5 (m)12.9 ( Janua)0.5 (ry)12.9 ( 1)12.9 (,)13 ( 2)12.9 (0)12.9 (1)12.9 (9)12.9 ( )0.5 (to)12.9 ( June)13 ( 3)12.9 (0)12.9 (,)12.9 ( 2)13 (0)12.9 (1)12.9 (9)12.9 (,)12.9 ( w)0.5 (e)12.9 ( iss)0.5 (ued)12.9 ( s)0.5 (ever)0.5 (al)12.9 ( tra)0.5 (nche)0.5 (s)27 ( )]TJ 0.053 Tc 0 -1.231 TD [(of)12.6 ( zero-coupon)12.6 ( interbank)12.6 ( certificates)12.6 ( in)12.6 ( an)12.6 ( aggregate)12.7 ( face)12.7 ( value)12.6 ( of)28 ( )]TJ 0.04 Tc T* [(RMB)12.5 (2)12.5 (0)12.4 (,)12.5 (3)12.4 (5)12.5 (0)12.5 (.)12.4 (0)12.5 ( million.)12.4 ( These)12.4 ( interbank)12.5 ( certificates)12.4 ( have)12.5 ( terms)12.5 ( of)12.5 ( six)15 ( )]TJ 0.025 Tc 0.028 Tw T* (months to one year and bear effective interest rates between 3.35% and )Tj 0 Tw 0 -1.231 TD (5.35% per annum.)Tj -2.181 -2.462 Td [(\(2\) )-664.5 (Issuance of financial bonds)]TJ 0.044 Tw 2.181 -2.462 Td (At the meeting of the Board of the Bank convened on March 27, 2019, )Tj 0.025 Tw 0 -1.231 TD (the Board advised the Bank to issue capital bonds with non-fixed terms )Tj 0.044 Tc 0.07 Tw T* [(to)12.9 ( the)12.9 ( public)12.9 ( in)12.8 ( an)12.8 ( aggregate)12.9 ( amount)12.8 ( of)12.8 ( no)12.8 ( more)12.9 ( than)12.8 ( RMB)12.8 (5)12.9 ( billion)19.1 ( )]TJ 0.051 Tc T* [(\(inclusive\).)12.3 ( The)12.3 ( proposal)12.3 ( was)12.3 ( considered)12.3 ( and)12.3 ( approved)12.3 ( at)12.3 ( the)12.3 ( 2)12.4 (0)12.3 (1)12.3 (8)26 ( )]TJ 0.025 Tc 0 Tw T* (annual general meeting of the shareholders convened on June 3, 2019.)Tj 0.031 Tc 0.077 Tw 0 -2.462 TD [(A)0.5 (s)6 ( )0.5 (of)6 ( )0.6 (th)0.5 (e)6 ( )0.5 (th)0.5 (e)6 ( )0.5 (da)0.5 (t)0.5 (e)6 ( )0.5 (of)6.1 ( t)0.5 (h)0.5 (is)6 ( )0.5 (a)0.5 (n)0.5 (no)0.5 (unc)0.5 (e)0.5 (me)0.5 (n)0.5 (t,)6 ( )0.5 (t)0.5 (he)6 ( )0.5 (B)0.5 (a)0.5 (nk)6 ( )0.5 (h)0.5 (as)6.1 ( )0.5 (no)0.5 (t)6 ( )0.5 (is)0.5 (su)0.5 (e)0.5 (d)6 ( )0.5 (an)0.5 (y)6 ( )]TJ 0.033 Tc 0.075 Tw 0 -1.231 TD [(bonds)8 ( )0.5 (as)8 ( )0.5 (per)8 ( )0.5 (the)8 ( )0.5 (aforesaid)8 ( )0.5 (authorization.)8 ( )0.5 (The)8 ( )0.5 (Bank)8 ( )0.5 (will,)8 ( )0.5 (according)8 ( )0.5 (to)8 ( )]TJ 0.043 Tc 0.07 Tw T* [(r)0.5 (e)0.5 (l)0.5 (e)0.5 (va)0.5 (n)0.5 (t)13 ( )0.5 (a)0.5 (p)0.5 (pl)0.5 (i)0.5 (c)0.5 (a)0.5 (b)0.5 (le)13 ( )0.5 (l)0.5 (a)0.5 (w)0.5 (s)13 ( )0.5 (a)0.5 (n)0.5 (d)12.9 ( )0.5 (r)0.5 (e)0.5 (g)0.5 (u)0.5 (la)0.5 (t)0.5 (i)0.5 (o)0.5 (n)0.5 (s)13 ( a)0.5 (n)0.5 (d)13 ( )0.5 (t)0.5 (he)13 ( )0.5 (H)0.5 (o)0.5 (n)0.5 (g)13 ( )0.5 (Ko)0.5 (n)0.5 (g)13 ( )0.5 (L)0.5 (is)0.5 (t)0.5 (i)0.5 (n)0.5 (g)18 ( )]TJ 0.06 Tc T* [(Rules,)12.5 ( disclose)12.6 ( concrete)12.6 ( progress)12.6 ( of)12.5 ( issuing)12.5 ( financial)12.5 ( bonds)12.5 ( to)12.5 ( its)35 ( )]TJ 0.025 Tc 0 Tw T* (Shareholders and potential investors in a timely manner.)Tj ET endstream endobj 122 0 obj <>stream BT 0 0 0 1 k /Perceptual ri /GS0 gs /T1_0 1 Tf 0.025 Tc 12 0 0 12 281.8878 18.7502 Tm (\226 66 \226)Tj -0.025 Tw 11 0 2.9474 11 112.2569 777.6839 Tm (Notes:)Tj 6.413 0 0 6.413 113.3858 754.0839 Tm (\(1\))Tj 0.042 Tc 0.07 Tw 11 0 0 11 121.3442 749.6839 Tm [( )-1491.5 (Primarily)12.4 ( include)12.5 ( other)12.4 ( intangible)12.5 ( assets)12.5 ( excluding)12.4 ( land)12.4 ( use)12.5 ( rights,)12.4 ( goodwill)12.5 ( and)17 ( )]TJ 0.025 Tc 0 Tw 1.853 -1.273 Td (deferred tax recognized as tax losses.)Tj -0.025 Tw 6.413 0 0 6.413 113.3858 712.0839 Tm (\(2\))Tj 0.033 Tc 0.075 Tw 11 0 0 11 121.3442 707.6839 Tm [( )-1495.5 (Primarily)8 ( )0.5 (includes)8 ( )0.5 (tier-one)8 ( )0.5 (capital)8 ( )0.5 (instruments)8 ( )0.5 (such)8 ( )0.5 (as)8 ( )0.5 (preference)8.1 ( )0.5 (shares)8 ( )0.5 (and)8 ( )0.5 (their)8 ( )]TJ 0.025 Tc -0.025 Tw 1.853 -1.273 Td (premiums.)Tj /T1_1 1 Tf 0 Tw 13 0 0 13 56.6929 661.684 Tm [(III. )-388.5 (ISSUE AND LISTING OF SECURITIES AND BONDS)]TJ 2.181 -2.462 Td [(1 )-1380.5 (Non-Public Issuance of Offshore Preference Shares)]TJ /T1_0 1 Tf 0.048 Tc 0.07 Tw 2.18 -2.462 Td [(The)12.4 ( 2)12.5 (0)12.4 (1)12.4 (8)12.4 ( annual)12.5 ( general)12.4 ( meeting,)12.4 ( the)12.5 ( 2)12.4 (0)12.4 (1)12.5 (9)12.4 ( First)12.4 ( Domestic)12.4 ( Shareholders)23 ( )]TJ 0.022 Tc 0 Tw 0 -1.231 TD [(Class Meeting and the 2019 First H Shareholders Class Meeting were held \ on)-3 ( )]TJ 0.025 Tc 0.038 Tw T* (June 3, 2019 by the Bank, at which the resolution on non-public issuance\ of )Tj 0.009 Tw 0 -1.231 TD (offshore preference shares was considered and approved. The Bank propose\ s )Tj 0.053 Tc 0.07 Tw 0 -1.231 TD [(to)12.8 ( conduct)12.8 ( a)12.9 ( non-public)12.9 ( issuance)12.8 ( of)12.9 ( not)12.8 ( more)12.9 ( than)12.9 ( 1)12.9 (0)12.9 (0)12.9 ( million)12.9 ( offshore)28 ( )]TJ 0.04 Tc T* [(preference)12.9 ( shares)12.9 ( to)12.8 ( raise)12.9 ( proceeds)12.8 ( up)12.9 ( to)12.8 ( RMB)12.9 (1)12.8 (0)12.8 ( billion)12.8 ( or)12.9 ( its)12.8 ( equivalent)15 ( )]TJ 0.031 Tc 0.077 Tw 0 -1.231 TD [(t)0.5 (o)6 ( )0.5 (r)0.5 (e)0.5 (pl)0.5 (e)0.5 (n)0.5 (i)0.5 (s)0.5 (h)6 ( )0.5 (t)0.5 (he)6.1 ( )0.5 (B)0.5 (a)0.5 (nk)0.5 (\222)0.5 (s)6 ( )0.5 (a)0.5 (d)0.5 (d)0.5 (i)0.5 (ti)0.5 (o)0.5 (n)0.5 (a)0.5 (l)6 ( )0.5 (t)0.5 (i)0.5 (e)0.5 (r)6 ( )0.5 (o)0.5 (ne)6.1 ( )0.5 (c)0.5 (ap)0.5 (i)0.5 (t)0.5 (a)0.5 (l)0.5 (.)6 ( )0.5 (T)0.5 (h)0.5 (e)6 ( )0.5 (B)0.5 (a)0.5 (nk)6 ( )0.5 (h)0.5 (a)0.5 (s)6 ( )0.5 (d)0.5 (i)0.5 (s)0.5 (c)0.5 (l)0.5 (o)0.5 (se)0.5 (d)6 ( )]TJ 0.025 Tc 0.078 Tw 0 -1.231 TD (relevant matters in relation to the proposed non-public issuance of offs\ hore )Tj 0.031 Tc 0.077 Tw T* [(preference)6.1 ( )0.5 (shares)6 ( )0.5 (by)6 ( )0.5 (the)6 ( )0.5 (Bank)6 ( )0.5 (in)6 ( )0.5 (the)6.1 ( circular)6 ( )0.5 (dated)6 ( )0.5 (April)6 ( )0.5 (1)6 (8)6 (,)6 ( )0.5 (2)6 (0)6 (1)6 (9)6 ( )0.5 (and)6 ( )0.5 (the)6 ( )]TJ 0.025 Tc 0.074 Tw 0 -1.231 TD (announcement dated March 27, 2019. The Bank is currently proceeding the \ )Tj 0.043 Tc 0.07 Tw 0 -1.231 TD [(relevant)12.2 ( matters)12.2 ( of)12.2 ( the)12.2 ( non-public)12.2 ( issuance)12.3 ( of)12.2 ( offshore)12.2 ( preference)12.2 ( shares)18.1 ( )]TJ 0.025 Tc 0 Tw T* (according to the plan.)Tj /T1_1 1 Tf -2.18 -2.462 Td [(2 )-1380.5 (Issuance of Debt Securities)]TJ /T1_0 1 Tf 0.013 Tw 2.18 -2.462 Td [(\(1\) )-651.5 (For the six months ends June 30, 2019, the debt securities issued by the\ )]TJ 0 Tw 2.181 -1.231 Td (Bank are as follows:)Tj 0.043 Tc 0.07 Tw 0 -2.462 TD [(In)12.2 ( December)12.2 ( 2)12.2 (0)12.2 (1)12.2 (5)12.2 (,)12.2 ( we)12.2 ( issued)12.2 ( tier-two)12.2 ( capital)12.2 ( bonds)12.2 ( in)12.2 ( an)12.2 ( aggregate)18 ( )]TJ 0.025 Tc 0.04 Tw 0 -1.231 TD [(principal )0.5 (amount )0.5 (of )0.5 (RMB3,200.0 )0.5 (million. )0.6 (The )0.5 (bonds )0.5 (have )0.5 (a )0.5 (term )0.6 (of )0.5 (10 )]TJ 0.037 Tw T* [(years )0.5 (and )0.5 (bear )0.6 (an )0.5 (interest )0.5 (rate )0.5 (of )0.5 (5.10% )0.5 (per )0.5 (annum. )0.5 (We )0.5 (have )0.5 (an )0.5 (option )]TJ 0 Tw 0 -1.231 TD (to redeem the bonds on December 11, 2020 at par.)Tj 0.048 Tc 0.07 Tw 0 -2.462 TD [(I)0.5 (n)12.9 ( )0.5 (Ma)0.5 (rc)0.5 (h)12.9 ( )0.5 (2)12.9 (0)13 (1)12.9 (7)13 (,)12.9 ( )0.5 (we)13 ( i)0.5 (s)0.5 (sue)0.5 (d)13 ( f)0.5 (in)0.5 (an)0.5 (ci)0.5 (al)13 ( b)0.5 (on)0.5 (ds)13 ( i)0.5 (n)12.9 ( )0.5 (a)0.5 (n)12.9 ( a)0.5 (g)0.5 (gr)0.5 (eg)0.5 (at)0.5 (e)12.9 ( )0.5 (pr)0.5 (in)0.5 (ci)0.5 (pa)0.5 (l)23 ( )]TJ 0.025 Tc 0.082 Tw 0 -1.231 TD (amount of RMB1,000.0 million. The bonds have a term of three years )Tj 0 Tw T* (and bear an interest rate of 4.67% per annum.)Tj ET endstream endobj 37 0 obj <>/Font<>/ProcSet[/PDF/Text]>>/TrimBox[0.0 0.0 595.276 841.89]/Type/Page>> endobj 38 0 obj <>/Font<>/ProcSet[/PDF/Text]>>/TrimBox[0.0 0.0 595.276 841.89]/Type/Page>> endobj 39 0 obj <>/Font<>/ProcSet[/PDF/Text]>>/TrimBox[0.0 0.0 595.276 841.89]/Type/Page>> endobj 40 0 obj <>/Font<>/ProcSet[/PDF/Text]>>/TrimBox[0.0 0.0 595.276 841.89]/Type/Page>> endobj 41 0 obj <>/Font<>/ProcSet[/PDF/Text]>>/TrimBox[0.0 0.0 595.276 841.89]/Type/Page>> endobj 131 0 obj <>stream BT 0 0 0 1 k /Perceptual ri /GS0 gs /T1_0 1 Tf 0.025 Tc 12 0 0 12 281.8878 18.7502 Tm (\226 65 \226)Tj /T1_1 1 Tf 13 0 0 13 85.0394 776.409 Tm [(6. )-1105.5 (Analysis On Capital Adequacy Ratio)]TJ /T1_0 1 Tf 0.077 Tc 0.07 Tw 2.181 -2.462 Td [(We)12.7 ( are)12.7 ( required)12.7 ( to)12.7 ( comply)12.7 ( with)12.7 ( the)12.7 ( CBIRC\222s)12.7 ( capital)12.6 ( adequacy)12.7 ( ratio)51.9 ( )]TJ 0.034 Tc 0.074 Tw 0 -1.231 TD [(requirements.)9 ( )0.5 (We)9 ( )0.6 (have)9 ( )0.5 (calculated)9 ( )0.5 (and)9 ( )0.5 (disclosed)8.9 ( )0.6 (capital)9 ( )0.5 (adequacy)9 ( )0.5 (ratios)9 ( )0.5 (in)8.9 ( )]TJ 0.025 Tc 0.013 Tw T* (accordance with the Capital Administrative Measures for Commercial Banks\ )Tj 0 Tw T* (\(Trial\) \(China Banking Regulatory Commission Order [2012] No.1\).)Tj 0.072 Tc 0.07 Tw 0 -2.462 TD [(The)12.5 ( table)12.5 ( below)12.5 ( sets)12.5 ( forth)12.5 ( certain)12.5 ( information)12.5 ( relating)12.4 ( to)12.5 ( our)12.4 ( capital)47.1 ( )]TJ 0.025 Tc 0 Tw 0 -1.231 TD (adequacy ratio as of the dates indicated.)Tj /T1_1 1 Tf 11.7 0 0 13 113.3858 616.409 Tm (\(Expressed in millions of RMB, unless )Tj T* (otherwise stated\))Tj 24.131 1.231 Td (June 30, )Tj -0.025 Tw 1.656 -1.231 Td (2019)Tj /T1_0 1 Tf 0 Tw 4.671 1.231 Td (December 31,)Tj 3.534 -1.231 Td ( 2018)Tj /T1_1 1 Tf -33.992 -2.462 Td (Core capital)Tj /T1_0 1 Tf 0.727 -1.231 Td (Paid-up capital)Tj /T1_1 1 Tf -0.025 Tw 23.46 0 Td (10,069.8 )Tj /T1_0 1 Tf 8.48 0 Td (10,069.8)Tj 0 Tw -31.94 -1.231 Td (Qualifying portion of capital reserve)Tj /T1_1 1 Tf -0.025 Tw 23.985 0 Td (4,659.4 )Tj /T1_0 1 Tf 8.48 0 Td (4,658.3)Tj 0 Tw -32.465 -1.231 Td (Defined benefit plan reserve)Tj /T1_1 1 Tf -0.025 Tw 25.452 0 Td (\(2.8\))Tj /T1_0 1 Tf 8.48 0 Td (\(4.2\))Tj 0 Tw -33.932 -1.231 Td (Investment revaluation reserve)Tj /T1_1 1 Tf -0.025 Tw 24.785 0 Td (231.2 )Tj /T1_0 1 Tf 8.48 0 Td (261.4)Tj 0 Tw -33.265 -1.231 Td (Surplus reserve)Tj /T1_1 1 Tf -0.025 Tw 23.985 0 Td (1,510.1 )Tj /T1_0 1 Tf 8.48 0 Td (1,510.1)Tj 0 Tw -32.465 -1.231 Td (General risk reserve)Tj /T1_1 1 Tf -0.025 Tw 23.985 0 Td (4,423.1 )Tj /T1_0 1 Tf 8.48 0 Td (4,423.1)Tj 0 Tw -32.465 -1.231 Td (Retained earnings)Tj /T1_1 1 Tf -0.025 Tw 23.985 0 Td (3,782.1 )Tj /T1_0 1 Tf 8.48 0 Td (4,297.8)Tj 0 Tw -32.465 -1.231 Td (Qualifying portion of non-controlling )Tj -0.025 Tw 0.727 -1.231 Td (interest)Tj /T1_1 1 Tf 24.583 0 Td (17.6 )Tj /T1_0 1 Tf 8.48 0 Td (17.2)Tj 0 Tw -33.79 -1.231 Td (Core tier-one capital deductions )Tj -0.025 Tw 6.8211 0 0 7.579 284.2602 413.609 Tm (\(1\))Tj /T1_1 1 Tf 11.7 0 0 13 407.3941 408.409 Tm (\(216.8\))Tj /T1_0 1 Tf 0 Tw 8.205 0 Td (\(225. 0\))Tj ET 0 0 0 1 K 0.5 w q 1 0 0 1 351.4961 403.9989 cm 0 0 m 87.874 0 l S Q BT /T1_1 1 Tf 0 Tc 11.7 0 0 13 345.8268 405.3998 Tm ( )Tj ET q 1 0 0 1 450.7086 403.9989 cm 0 0 m 87.874 0 l S Q BT /T1_0 1 Tf 11.7 0 0 13 445.0394 405.3998 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -28.346 -2.462 Td (Net core tier-one capital)Tj -0.025 Tw 24.187 0 Td (24,473.7)Tj /T1_0 1 Tf 8.48 0 Td (25,008.5)Tj ET 2.5 w q 1 0 0 1 351.4961 367.8353 cm 0 0 m 87.874 0 l S Q 0.835 w q 1 0 0 1 351.4961 364.5028 cm 0 0 m 87.874 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 11.7 0 0 13 345.8268 365.7363 Tm ( )Tj ET 2.5 w q 1 0 0 1 450.7087 367.8353 cm 0 0 m 87.874 0 l S Q 0.835 w q 1 0 0 1 450.7087 364.5028 cm 0 0 m 87.874 0 l S Q BT /T1_0 1 Tf 11.7 0 0 13 445.0394 365.7363 Tm ( )Tj 0.025 Tc -28.346 -2.462 Td (Other tier-one capital )Tj -0.025 Tw 6.8211 0 0 7.579 223.1067 338.9363 Tm (\(2\))Tj /T1_1 1 Tf 11.7 0 0 13 424.1601 333.7363 Tm (2.3)Tj /T1_0 1 Tf 8.48 0 Td (2.3)Tj ET 0.5 w q 1 0 0 1 351.496 329.3263 cm 0 0 m 87.874 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 11.7 0 0 13 345.8268 330.7272 Tm ( )Tj ET q 1 0 0 1 450.7086 329.3263 cm 0 0 m 87.874 0 l S Q BT /T1_0 1 Tf 11.7 0 0 13 445.0393 330.7272 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -28.346 -2.462 Td (Net tier-one capital)Tj -0.025 Tw 24.187 0 Td (24,476.0)Tj /T1_0 1 Tf 8.48 0 Td (25,010.8)Tj ET 2.5 w q 1 0 0 1 351.4961 293.1627 cm 0 0 m 87.874 0 l S Q 0.835 w q 1 0 0 1 351.4961 289.8302 cm 0 0 m 87.874 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 11.7 0 0 13 345.8268 291.0637 Tm ( )Tj ET 2.5 w q 1 0 0 1 450.7087 293.1627 cm 0 0 m 87.874 0 l S Q 0.835 w q 1 0 0 1 450.7087 289.8302 cm 0 0 m 87.874 0 l S Q BT /T1_0 1 Tf 11.7 0 0 13 445.0394 291.0637 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -28.346 -2.462 Td (Tier-two capital)Tj /T1_0 1 Tf 0.727 -1.231 Td (Instruments issued and share premium)Tj /T1_1 1 Tf -0.025 Tw 23.985 0 Td (3,195.8 )Tj /T1_0 1 Tf 8.48 0 Td (3,194.4)Tj 0 Tw -32.465 -1.231 Td (Surplus reserve for loan impairment)Tj /T1_1 1 Tf -0.025 Tw 23.985 0 Td (1,499.7 )Tj /T1_0 1 Tf 8.48 0 Td (2,562.7)Tj 0 Tw -32.465 -1.231 Td (Eligible portion of non-controlling interest)Tj /T1_1 1 Tf -0.025 Tw 25.835 0 Td (4.7 )Tj /T1_0 1 Tf 8.48 0 Td (4.7)Tj ET 0.5 w q 1 0 0 1 351.496 206.6537 cm 0 0 m 87.874 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 11.7 0 0 13 345.8268 208.0547 Tm ( )Tj ET q 1 0 0 1 450.7086 206.6537 cm 0 0 m 87.874 0 l S Q BT /T1_0 1 Tf 11.7 0 0 13 445.0393 208.0547 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -28.346 -2.462 Td (Net capital base)Tj -0.025 Tw 24.187 0 Td (29,176.2 )Tj /T1_0 1 Tf 8.48 0 Td (30,772.6)Tj ET 2.5 w q 1 0 0 1 351.4961 170.4902 cm 0 0 m 87.874 0 l S Q 0.835 w q 1 0 0 1 351.4961 167.1577 cm 0 0 m 87.874 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 11.7 0 0 13 345.8268 168.3911 Tm ( )Tj ET 2.5 w q 1 0 0 1 450.7087 170.4902 cm 0 0 m 87.874 0 l S Q 0.835 w q 1 0 0 1 450.7087 167.1577 cm 0 0 m 87.874 0 l S Q BT /T1_0 1 Tf 11.7 0 0 13 445.0394 168.3911 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -28.346 -2.462 Td (Total risk-weighted assets)Tj -0.025 Tw 23.662 0 Td (238,308.6)Tj /T1_0 1 Tf 8.48 0 Td (227,144.1)Tj ET 2.5 w q 1 0 0 1 351.4961 130.8266 cm 0 0 m 87.874 0 l S Q 0.835 w q 1 0 0 1 351.4961 127.4941 cm 0 0 m 87.874 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 11.7 0 0 13 345.8268 128.7276 Tm ( )Tj ET 2.5 w q 1 0 0 1 450.7087 130.8266 cm 0 0 m 87.874 0 l S Q 0.835 w q 1 0 0 1 450.7087 127.4941 cm 0 0 m 87.874 0 l S Q BT /T1_0 1 Tf 11.7 0 0 13 445.0394 128.7276 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -28.346 -2.462 Td (Core tier-one capital adequacy ratio)Tj -0.025 Tw 25.512 0 Td (10.27 )Tj /T1_0 1 Tf 8.48 0 Td (11.01)Tj /T1_1 1 Tf 0 Tw -33.992 -1.231 Td (Tier-one capital adequacy ratio)Tj -0.025 Tw 25.512 0 Td (10.27 )Tj /T1_0 1 Tf 8.48 0 Td (11.01)Tj /T1_1 1 Tf 0 Tw -33.992 -1.231 Td (Capital adequacy ratio)Tj -0.025 Tw 25.512 0 Td (12.24 )Tj /T1_0 1 Tf 8.48 0 Td (13.55)Tj ET 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Our )Tj 0.031 Tc 0.077 Tw T* [(IT)6 ( )0.5 (department)6 ( )0.5 (and)6 ( )0.5 (relevant)6.1 ( )0.5 (business)6 ( )0.5 (departments)6 ( )0.5 (are)6 ( )0.5 (responsible)6 ( )]TJ 0.051 Tc 0.07 Tw T* [(for)12.5 ( the)12.6 ( implementation)12.5 ( of)12.6 ( specific)12.6 ( risk)12.5 ( management)12.5 ( measures,)26 ( )]TJ 0.025 Tc 0 Tw T* (plans and proposals.)Tj 13 0 3.4833 13 140.3981 648.3179 Tm [(\(vi\) )-361.5 (Anti-money laundering management)]TJ 0.033 Tc 0.075 Tw 13 0 0 13 170.0787 616.3179 Tm [(We)8 ( )0.5 (have)8 ( )0.5 (formulated)8 ( )0.5 (comprehensive)8 ( )0.5 (anti-money)8 ( )0.5 (laundering)8 ( )0.5 (rules)8 ( )]TJ 0.044 Tc 0.07 Tw T* [(and)12.9 ( procedures)12.9 ( in)12.8 ( accordance)12.8 ( with)12.8 ( the)12.8 ( Anti-Money)12.8 ( Laundering)19 ( )]TJ 0.025 Tc 0 Tw T* (Law of the PRC and the regulations of the PBoC.)Tj 0.04 Tc 0.07 Tw 0 -2.462 TD [(Our)12.4 ( Board)12.4 ( of)12.4 ( Directors)12.4 ( oversees)12.4 ( our)12.4 ( bank-wide)12.4 ( implementation)15 ( )]TJ 0.026 Tc 0.082 Tw 0 -1.231 TD [(of)1 ( )0.5 (anti-money)1 ( )0.5 (laundering)1 ( )0.5 (policies,)1 ( )0.5 (supervises)1 ( )0.5 (senior)1 ( )0.5 (management)1 ( )]TJ 0.025 Tc 0.041 Tw T* (with respect to the formulation and implementation of anti-money )Tj 0.061 Tc 0.07 Tw 0 -1.231 TD [(laundering)12.2 ( rules)12.2 ( and)12.2 ( procedures,)12.2 ( reviews)12.3 ( reports)12.3 ( from)12.2 ( senior)36.1 ( )]TJ 0.025 Tc 0.051 Tw 0 -1.231 TD (management on any major anti-money laundering matters and our )Tj 0.052 Tw T* (overall money-laundering risk profile, and adjusts our anti-money )Tj 0 Tw T* (laundering policies on a timely basis.)Tj 0.035 Tw 0 -2.462 TD (We have established anti-money laundering steering groups at our )Tj 0 Tw 0 -1.231 TD (head office, branches and sub-branches.)Tj 13 0 3.4833 13 140.3981 376.3179 Tm [(\(vii\) )-58.5 (Internal audits)]TJ 0.04 Tc 0.07 Tw 13 0 0 13 170.0787 344.3179 Tm [(We)12.2 ( believe)12.1 ( internal)12.1 ( audits)12.1 ( are)12.1 ( essential)12.1 ( to)12.1 ( our)12.1 ( stable)12.1 ( operations)15 ( )]TJ 0.061 Tc T* [(and)12.1 ( achievement)12.1 ( of)12.1 ( business)12.1 ( objectives.)12.1 ( We)12.1 ( conduct)12.2 ( internal)36 ( )]TJ 0.041 Tc T* [(a)0.5 (u)0.5 (d)0.5 (i)0.5 (t)0.5 (s)13 ( )0.6 (t)0.5 (o)13 ( )0.5 (m)0.5 (o)0.5 (n)0.5 (i)0.5 (t)0.5 (o)0.5 (r)13 ( )0.5 (t)0.6 (h)0.5 (e)13 ( )0.5 (c)0.5 (o)0.5 (m)0.5 (p)0.5 (l)0.5 (i)0.5 (a)0.6 (n)0.5 (c)0.5 (e)13 ( )0.5 (w)0.5 (i)0.6 (t)0.5 (h)13 ( )0.5 (l)0.5 (a)0.5 (w)0.5 (s)13 ( )0.6 (a)0.5 (n)0.5 (d)13 ( )0.5 (r)0.5 (e)0.5 (g)0.5 (u)0.5 (l)0.5 (a)0.6 (t)0.5 (i)0.5 (o)0.5 (n)0.5 (s)13 ( )0.5 (a)0.5 (n)0.5 (d)16 ( )]TJ 0.034 Tc 0.074 Tw T* [(the)9 ( )0.5 (implementation)9 ( )0.5 (of)9 ( )0.5 (our)9 ( )0.5 (internal)9 ( )0.5 (policies)9 ( )0.5 (and)9 ( )0.5 (procedures,)9 ( )0.5 (with)9 ( )]TJ 0.025 Tc 0 Tw T* (the objective of controlling risks at an acceptable level.)Tj 0.058 Tc 0.07 Tw 0 -2.462 TD [(W)0.6 (e)13 ( )0.5 (a)0.6 (l)0.5 (s)0.6 (o)13 ( )0.6 (a)0.5 (i)0.6 (m)13 ( )0.5 (t)0.6 (o)13 ( )0.6 (c)0.5 (o)0.5 (n)0.6 (d)0.5 (u)0.6 (c)0.5 (t)13 ( )0.6 (e)0.5 (f)0.6 (f)0.5 (e)0.6 (c)0.5 (t)0.6 (i)0.5 (v)0.5 (e)13.1 ( )0.5 (r)0.6 (i)0.5 (s)0.6 (k)13 ( )0.5 (m)0.6 (a)0.5 (n)0.6 (a)0.5 (g)0.6 (e)0.5 (m)0.5 (e)0.6 (n)0.5 (t)13.1 ( )0.5 (a)0.6 (s)13 ( )0.6 (w)0.5 (e)0.6 (l)0.5 (l)13 ( )0.6 (a)0.5 (s)33 ( )]TJ 0.022 Tc 0.001 Tw 0 -1.231 TD [(optimize )0.5 (internal )0.6 (control )0.6 (compliance )0.6 (and )0.6 (our )0.5 (corporate )0.5 (governance)-3 ( )]TJ 0.025 Tc 0.031 Tw T* (structure, in an effort to improve our operations. We adhere to the )Tj 0.036 Tc 0.072 Tw 0 -1.231 TD [(principles)11 ( )0.5 (of)11 ( )0.5 (independence,)10.9 ( )0.6 (importance,)11 ( )0.5 (prudence,)11 ( )0.5 (objectiveness)11 ( )]TJ 0.025 Tc 0 Tw 0 -1.231 TD (and relevance for internal audits.)Tj 0.072 Tc 0.07 Tw 0 -2.462 TD [(We)12.4 ( have)12.3 ( adopted)12.3 ( an)12.3 ( independent)12.3 ( and)12.3 ( vertical)12.3 ( internal)12.3 ( audit)47 ( )]TJ 0.091 Tc 0 -1.231 TD [(ma)0.5 (n)0.5 (ag)0.5 (eme)0.5 (n)0.5 (t)12.9 ( s)0.5 (y)0.5 (ste)0.5 (m)0.5 (,)12.9 ( )0.5 (co)0.5 (ns)0.5 (is)0.5 (ti)0.5 (ng)12.9 ( )0.5 (of)13 ( t)0.5 (he)13 ( a)0.5 (ud)0.5 (it)13 ( c)0.5 (om)0.5 (mi)0.5 (tte)0.5 (e)13 ( o)0.5 (f)66 ( )]TJ 0.066 Tc T* [(our)12.9 ( )0.5 (Board)13 ( of)12.9 ( D)0.5 (irec)0.5 (tors,)12.9 ( )0.5 (the)12.9 ( a)0.5 (udit)12.9 ( c)0.5 (ommitte)0.5 (e)12.9 ( of)13 ( our)12.9 ( B)0.5 (oard)12.9 ( )0.5 (of)41 ( )]TJ 0.025 Tc 0 Tw T* (Supervisors and the audit department of our head office.)Tj ET endstream endobj 129 0 obj <>stream BT 0 0 0 1 k /Perceptual ri /GS0 gs /T1_0 1 Tf 0.025 Tc 12 0 0 12 281.8878 18.7502 Tm (\226 63 \226)Tj 0.076 Tw 13 0 0 13 198.4252 776.3179 Tm (We manage liquidity risks with instruments such as position )Tj 0.047 Tc 0.07 Tw 0 -1.192 TD [(pr)0.5 (ovi)0.5 (sio)0.5 (nin)0.5 (g)12.9 ( )0.5 (and)13 ( m)0.5 (oni)0.5 (tor)0.5 (ing)0.5 (,)12.9 ( c)0.5 (as)0.5 (h)12.9 ( f)0.5 (lo)0.5 (w)12.9 ( a)0.5 (na)0.5 (ly)0.5 (sis)0.5 (,)12.9 ( )0.5 (liq)0.5 (uid)0.5 (ity)22 ( )]TJ 0.025 Tc 0 Tw T* (stress tests, liquidity risk limits and liquidity risk indicators.)Tj -2.181 -2.385 Td [(\(B\) )-497.5 (Liquidity risk analysis)]TJ 2.181 -2.385 Td (The Bank\222s liquidity coverage ratio)Tj /T1_1 1 Tf 15.893 -2.385 Td (June 30, )Tj -0.025 Tw 1.656 -1.192 Td (2019)Tj /T1_0 1 Tf 0 Tw 2.733 1.192 Td (December 31, )Tj -0.025 Tw 3.809 -1.192 Td (2018)Tj 0 Tw -24.091 -2.385 Td (Liquidity coverage ratio )Tj -0.025 Tw 13 0 3.4833 13 334.1098 605.8179 Tm (\(%\))Tj /T1_1 1 Tf 13 0 0 13 416.1683 605.8179 Tm (185.82)Tj /T1_0 1 Tf 6.541 0 Td (198.28)Tj ET 0 0 0 1 K 2.5 w q 1 0 0 1 379.8425 600.2534 cm 0 0 m 73.701 0 l S Q 0.835 w q 1 0 0 1 379.8425 596.9208 cm 0 0 m 73.701 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 13 0 0 13 446.3933 598.1544 Tm ( )Tj ET 2.5 w q 1 0 0 1 464.8819 600.2534 cm 0 0 m 73.701 0 l S Q 0.835 w q 1 0 0 1 464.8819 596.9208 cm 0 0 m 73.701 0 l S Q BT /T1_0 1 Tf 13 0 0 13 531.4327 598.1544 Tm ( )Tj 0.025 Tc -25.616 -2.258 Td (The Bank\222s net stable funding ratio)Tj /T1_1 1 Tf 9.1 0 0 13 198.4252 537.8054 Tm (\(Expressed in millions of RMB, )Tj T* (unless otherwise stated\))Tj 21.189 1.192 Td (June 30, )Tj -0.025 Tw 1.656 -1.192 Td (2019)Tj /T1_0 1 Tf 0 Tw 3.995 1.192 Td (March 31, )Tj -0.025 Tw 2.235 -1.192 Td (2019)Tj 0 Tw 2.698 1.192 Td (December 31, )Tj -0.025 Tw 3.532 -1.192 Td (2018)Tj 0 Tw -35.305 -2.385 Td (Closing amount of available stable funding)Tj /T1_1 1 Tf -0.025 Tw 20.72 0 Td (224,177.9)Tj /T1_0 1 Tf 6.23 0 Td (230,553.6)Tj 6.23 0 Td (209,292.6)Tj 0 Tw -33.18 -1.192 Td (Closing 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rate)12.5 ( benchmark)12.5 ( on)12.4 ( loans)12.4 ( and)20 ( )]TJ 0.038 Tc T* [(deposits.)12.6 ( Based)12.5 ( on)12.6 ( such)12.5 ( analyses,)12.6 ( we)12.6 ( may)12.6 ( adjust)12.6 ( our)12.6 ( terms)13 ( )]TJ 0.025 Tc 0 Tw T* (on repricing to control interest rate risk.)Tj -2.181 -2.462 Td [(\(B\) )-497.5 (Exchange rate risk management)]TJ 0.024 Tc 2.181 -2.462 Td [(We are exposed to exchange rate risks primarily derived from)-1 ( )]TJ 0.045 Tc 0.07 Tw T* [(mismatches)12.2 ( in)12.2 ( the)12.3 ( currency)12.3 ( denominations)12.3 ( of)12.2 ( on-)12.3 ( and)12.2 ( off-)]TJ 0.022 Tc 0 Tw T* [(balance sheet assets and liabilities and in the trading positions)-3 ( )]TJ 0.028 Tc 0.08 Tw T* [(of)3 ( )0.5 (foreign)3 ( )0.5 (exchange)3 ( )0.5 (transactions.)3 ( )0.5 (We)3 ( )0.5 (manage)3 ( )0.5 (exchange)3 ( )0.5 (rate)3 ( )]TJ 0.025 Tc 0 Tw T* (risks by matching the sources and uses of funds.)Tj 0.089 Tc 0.07 Tw 0 -2.462 TD [(We)12.3 ( seek)12.3 ( to)12.3 ( keep)12.3 ( the)12.3 ( adverse)12.3 ( impact)12.3 ( of)12.3 ( exchange)12.3 ( rate)64 ( )]TJ 0.053 Tc 0 -1.231 TD [(fluctuations)12.7 ( within)12.6 ( an)12.7 ( acceptable)12.7 ( range)12.7 ( by)12.6 ( managing)12.7 ( risk)27.9 ( )]TJ 0.03 Tc 0.078 Tw T* [(exposure)5.1 ( limits)5 ( )0.5 (and)5 ( )0.5 (the)5.1 ( )0.5 (currency)5 ( )0.5 (structure)5 ( )0.5 (of)5 ( )0.6 (our)5 ( )0.5 (assets)5 ( )0.5 (and)5 ( )]TJ 0.059 Tc 0.07 Tw T* [(liabilities.)12.8 ( In)12.8 ( addition,)12.8 ( we)12.8 ( endeavor)12.8 ( to)12.9 ( limit)12.8 ( transactions)34 ( )]TJ 0.025 Tc 0.028 Tw T* (involving high exchange rate risks, monitor major indicators, )Tj 0.047 Tc 0.07 Tw T* [(and)12.5 ( inspect)12.5 ( the)12.5 ( positions)12.5 ( of)12.5 ( major)12.4 ( foreign)12.5 ( currencies)12.4 ( on)12.4 ( a)22 ( )]TJ 0.025 Tc 0 Tw T* (daily basis.)Tj ET endstream endobj 135 0 obj <>stream BT 0 0 0 1 k /Perceptual ri /GS0 gs /T1_0 1 Tf 0.025 Tc 12 0 0 12 281.8878 18.7502 Tm (\226 59 \226)Tj /T1_1 1 Tf -0.025 Tw 13 0 0 13 170.0787 770.8479 Tm (Industries)Tj 0 Tw 14.173 0 Td (Credit Policies)Tj /T1_0 1 Tf 0.09 Tc 0.07 Tw -14.173 -2.462 Td [(Real)12.1 ( estate,)12.1 ( construction,)65 ( )]TJ 0.025 Tc 0.024 Tw 0.654 -1.231 Td (metal ores mining, iron and )Tj 0.082 Tc 0.07 Tw 0 -1.231 TD [(steel,)12.7 ( and)12.7 ( wholesale)12.6 ( and)57 ( )]TJ 0.039 Tc T* [(retail)12.5 ( industries)12.6 ( \(\223caution\224)14 ( )]TJ 0.025 Tc -0.025 Tw T* (industries\))Tj 0.056 Tc 0.07 Tw 13.519 4.923 Td [(\225)31 ( )-339.2 (focus)12.2 ( on)12.2 ( preventing)12.2 ( risks)12.2 ( by)31 ( )]TJ 0.036 Tc 0.072 Tw 1.09 -1.231 Td [(granting)10.9 ( )0.6 (loans)11 ( )0.5 (to)11 ( )0.5 (high-quality)11 ( )]TJ 0.15 Tc 0.07 Tw T* [(customers)12.4 ( and)12.4 ( adjusting)125 ( )]TJ 0.108 Tc T* [(t)0.5 (h)0.5 (e)13.1 ( )0.5 (p)0.5 (r)0.6 (o)0.5 (p)0.5 (o)0.5 (r)0.5 (t)0.6 (i)0.5 (o)0.5 (n)13 ( )0.5 (o)0.6 (f)13 ( )0.5 (l)0.5 (o)0.6 (a)0.5 (n)0.5 (s)13.1 ( )0.5 (t)0.5 (o)83 ( )]TJ 0.025 Tc 0 Tw T* (borrowers in these industries.)Tj 0.086 Tc 0.07 Tw -15.263 -2.462 Td [(Steel)12.3 ( trading,)12.2 ( coal)12.2 ( trading,)61 ( )]TJ 0.15 Tc 0.654 -1.231 Td [(over-capacity)12.5 ( and)12.5 ( bulk)125 ( )]TJ 0.024 Tc 0 Tw T* [(commodity trading industries)-1 ( )]TJ 0.025 Tc T* (\(\223exit\224 industries\))Tj 0.104 Tc 0.07 Tw 13.519 3.692 Td [(\225)79 ( )-291.2 (focus)12.6 ( on)12.7 ( minimizing)12.6 ( risks)79 ( )]TJ 0.165 Tc 1.09 -1.231 Td [(by)12.3 ( moderately)12.2 ( reducing)140 ( )]TJ 0.077 Tc T* [(the)12 ( amount)12.1 ( of)12.1 ( new)12 ( loans)12.1 ( to)51.9 ( )]TJ 0.05 Tc T* [(b)0.6 (o)0.5 (r)0.6 (r)0.5 (o)0.6 (w)0.6 (e)0.5 (r)0.6 (s)13 ( )0.6 (i)0.5 (n)13.1 ( )0.6 (t)0.5 (h)0.6 (e)0.5 (s)0.6 (e)13.1 ( )0.5 (i)0.6 (n)0.5 (d)0.6 (u)0.5 (s)0.6 (t)0.5 (r)0.6 (i)0.6 (e)0.5 (s)25 ( )]TJ 0.123 Tc T* [(by)12.9 ( no)12.8 ( less)12.8 ( than)12.9 ( 2)12.8 (0)12.8 (%,)12.8 ( and)98 ( )]TJ 0.031 Tc 0.077 Tw T* [(enhancing)6 ( )0.5 (the)6 ( )0.5 (implementation)6 ( )]TJ 0.061 Tc 0.07 Tw T* [(of)12.5 ( post-lending)12.5 ( management)36.1 ( )]TJ 0.025 Tc -0.025 Tw T* (measures.)Tj 0.053 Tw -15.263 -2.335 Td (We have also adopted detailed credit policies for small and micro )Tj 0.052 Tc 0.07 Tw T* [(enterprise)12.1 ( loans)12.2 ( and)12.1 ( retail)12.2 ( loans)12.1 ( based)12.1 ( on)12.1 ( the)12.1 ( type)12.2 ( of)12.1 ( product,)27 ( )]TJ 0.034 Tc 0.074 Tw T* [(customer)9 ( )0.5 (group)8.9 ( )0.5 (and)9 ( )0.5 (investment)9 ( )0.5 (field.)9 ( )0.5 (We)9.1 ( )0.5 (generally)9 ( )0.5 (update)9 ( )0.5 (these)9 ( )]TJ 0.025 Tc 0 Tw 0 -1.231 TD (policies on an annual basis.)Tj 13 0 3.4833 13 140.3981 420.4989 Tm [(\(ii\) )-583.5 (Market risk management)]TJ 0.051 Tw 13 0 0 13 170.0787 388.4989 Tm (Market risk is the risk of loss in on-balance sheet and off-balance )Tj 0.068 Tw 0 -1.231 TD (sheet positions arising from fluctuations in market prices. We are )Tj 0.031 Tc 0.077 Tw T* [(exposed)6.1 ( )0.5 (to)6 ( )0.6 (market)6 ( )0.5 (risks)6 ( )0.5 (primarily)6 ( )0.5 (through)6 ( )0.5 (our)6 ( )0.5 (banking)6 ( )0.5 (book)6 ( )0.5 (and)6 ( )]TJ 0.025 Tc 0 Tw T* (trading book.)Tj 0 -2.462 TD [(\(A\) )-442.5 (Interest rate risk management)]TJ 0.037 Tw 2.181 -2.462 Td (Interest rate risk is the exposure of our financial condition to )Tj 0.035 Tc 0.073 Tw 0 -1.231 TD [(a)0.5 (dve)0.5 (rs)0.5 (e)10 ( )0.5 (mo)0.5 (ve)0.5 (men)0.5 (ts)10 ( )0.5 (i)0.5 (n)10 ( )0.5 (int)0.5 (er)0.5 (es)0.5 (t)10 ( )0.5 (ra)0.5 (te)0.5 (s.)10 ( )0.5 (O)0.5 (ur)10 ( )0.5 (pr)0.5 (im)0.5 (ar)0.5 (y)10 ( )0.5 (sou)0.5 (rc)0.5 (e)10 ( )0.5 (of)10 ( )]TJ 0.025 Tc 0.043 Tw T* (interest rate risk is the repricing of on- and off-balance sheet )Tj 0 Tw T* (assets and liabilities due to mismatches in maturities.)Tj 0.059 Tw 0 -2.462 TD [(Maturity or repricing )0.5 (date mismatches )0.5 (may )0.5 (cause )0.5 (changes in )]TJ 0.028 Tc 0.08 Tw 0 -1.231 TD [(net)3 ( )0.5 (interest)3 ( )0.5 (income)3.1 ( )0.5 (due)3 ( )0.5 (to)3 ( )0.5 (fluctuations)3 ( )0.5 (in)3 ( )0.5 (prevailing)3 ( )0.5 (interest)3 ( )]TJ 0.035 Tc 0.073 Tw T* [(rates.)10 ( )0.5 (We)10 ( )0.5 (are)10 ( )0.6 (exposed)9.9 ( )0.5 (to)10 ( )0.5 (interest)10 ( )0.5 (rate)10 ( )0.5 (risk)10 ( )0.5 (through)10 ( )0.5 (our)10 ( )0.5 (day-)]TJ 0.025 Tc 0.041 Tw T* [(to-day )0.5 (lending )0.5 (and )0.6 (deposit-taking )0.6 (activities )0.5 (and )0.5 (our )0.6 (financial )]TJ 0 Tw T* (market operations.)Tj ET endstream endobj 134 0 obj <>stream BT 0 0 0 1 k /Perceptual ri /GS0 gs /T1_0 1 Tf 0.025 Tc 12 0 0 12 281.8878 18.7502 Tm (\226 58 \226)Tj 13 0 3.4833 13 140.3981 776.3179 Tm [(\(i\) )-886.5 (Credit risk management)]TJ 0.057 Tc 0.07 Tw 13 0 0 13 170.0787 744.3179 Tm [(Credit)12.4 ( risk)12.4 ( is)12.4 ( the)12.5 ( risk)12.4 ( of)12.4 ( loss)12.3 ( due)12.4 ( to)12.4 ( \(i\))12.3 ( failure)12.4 ( by)12.4 ( a)12.4 ( debtor)12.4 ( or)32 ( )]TJ 0.028 Tc 0.08 Tw 0 -1.231 TD [(counterparty)3 ( )0.5 (to)3 ( )0.5 (meet)3 ( )0.5 (its)3 ( )0.5 (contractual)3 ( )0.5 (obligations)3 ( )0.5 (or)3.1 ( )0.5 (\(ii\))3 ( )0.6 (a)3 ( )0.5 (decrease)3.1 ( )]TJ 0.025 Tc 0.012 Tw T* (in credit ratings or repayment ability. Our credit risks arise mainly )Tj 0.033 Tc 0.075 Tw T* [(from)8 ( )0.5 (loans,)8 ( )0.5 (investments,)8 ( )0.5 (guarantees,)8 ( )0.5 (commitments)8 ( )0.5 (and)8 ( )0.5 (other)8 ( )0.5 (on-)8 ( )]TJ 0.025 Tc 0 Tw T* (or off-balance-sheet credit risks exposures.)Tj 0.04 Tc 0.07 Tw 0 -2.462 TD [(We)12.2 ( determine)12.2 ( the)12.2 ( direction)12.1 ( and)12.2 ( amount)12.2 ( of)12.2 ( credit)12.2 ( extended)12.2 ( each)15 ( )]TJ 0.025 Tc 0.055 Tw 0 -1.231 TD (year based on national and regional economic development plans, )Tj 0.074 Tw 0 -1.231 TD (market conditions and macroeconomic control measures. We also )Tj 0.053 Tc 0.07 Tw T* [(c)0.6 (o)0.5 (n)0.6 (s)0.5 (i)0.6 (d)0.5 (e)0.6 (r)13 ( )0.6 (o)0.5 (u)0.6 (r)13 ( )0.6 (a)0.5 (s)0.6 (s)0.5 (e)0.6 (t)13 ( )0.6 (a)0.6 (n)0.5 (d)13.1 ( )0.5 (l)0.6 (i)0.5 (a)0.6 (b)0.5 (i)0.5 (l)0.6 (i)0.5 (t)0.6 (y)13 ( )0.6 (s)0.5 (t)0.6 (r)0.5 (u)0.6 (c)0.6 (t)0.5 (u)0.5 (r)0.6 (e)13.1 ( )0.5 (a)0.6 (n)0.5 (d)13.1 ( )0.5 (t)0.6 (r)0.5 (e)0.6 (n)0.5 (d)0.6 (s)13 ( )0.6 (i)0.5 (n)13.1 ( )0.5 (d)0.6 (e)0.5 (p)0.6 (o)0.5 (s)0.6 (i)0.5 (t)28 ( )]TJ 0.047 Tc T* [(and)12.7 ( loan)12.8 ( growth.)12.7 ( We)12.7 ( formulate)12.7 ( annual)12.7 ( credit)12.7 ( policy)12.7 ( guidelines)22 ( )]TJ 0.06 Tc T* [(to)12.4 ( provide)12.3 ( detailed)12.3 ( guidance)12.3 ( for)12.4 ( extending)12.3 ( credit)12.3 ( to)12.3 ( different)35.1 ( )]TJ 0.025 Tc 0 Tw T* (industries, customer types and geographic regions.)Tj 0.035 Tc 0.073 Tw 0 -2.462 TD [(In)10 ( )0.5 (accordance)10.1 ( )0.5 (with)10 ( )0.5 (these)10 ( )0.5 (guidelines,)10 ( )0.5 (extension)10 ( )0.5 (of)10 ( )0.5 (credit)10 ( )0.5 (in)10 ( )0.5 (areas)10 ( )]TJ 0.05 Tc 0.07 Tw 0 -1.231 TD [(more)12.1 ( susceptible)12.2 ( to)12.1 ( changes)12.1 ( in)12.2 ( macroeconomic)12.1 ( conditions)12.2 ( and)25 ( )]TJ 0.025 Tc 0.024 Tw T* (regulatory policies \(such as local government financing platforms, )Tj 0.021 Tc 0 Tw T* [(as well as borrowers in the real estate sector or industries involving)-4 ( )]TJ 0.03 Tc 0.078 Tw T* [(high-pollution,)5 ( )0.5 (high-power)5 ( )0.5 (consumption)5 ( )0.5 (and)5 ( )0.5 (over-capacity\))5 ( )0.5 (must)5 ( )]TJ 0.065 Tc 0.07 Tw T* [(comply)12.1 ( with)12.1 ( all)12.2 ( regulatory)12.1 ( requirements.)12.1 ( We)12.1 ( also)12.1 ( encourage)40 ( )]TJ 0.071 Tc 0 -1.231 TD [(the)12.7 ( extension)12.6 ( of)12.6 ( credit)12.6 ( to)12.6 ( emerging)12.6 ( sectors,)12.6 ( such)12.7 ( as)12.6 ( modern)46 ( )]TJ 0.04 Tc 0 -1.231 TD [(services,)12.3 ( new)12.3 ( urbanization)12.2 ( construction)12.3 ( and)12.2 ( Internet)12.3 ( commerce,)15 ( )]TJ 0.057 Tc 0.069 Tw T* [(i)0.5 (n)13 ( a)0.5 (c)0.5 (c)0.6 (o)0.5 (r)0.5 (d)0.5 (a)0.5 (n)0.5 (c)0.5 (e)13 ( w)0.6 (i)0.5 (t)0.5 (h)13 ( n)0.5 (a)0.5 (t)0.5 (i)0.5 (o)0.5 (n)0.5 (a)0.5 (l)13 ( p)0.5 (o)0.5 (l)0.5 (i)0.5 (c)0.6 (y)13 ( d)0.5 (i)0.5 (r)0.5 (e)0.5 (c)0.5 (t)0.5 (i)0.5 (v)0.5 (e)0.5 (s)0.6 (.)13 ( I)0.5 (n)13 ( a)0.5 (d)0.5 (d)0.5 (i)0.5 (t)0.5 (i)0.5 (o)0.5 (n)0.5 (,)13 ( w)0.5 (e)32.1 ( )]TJ 0.033 Tc 0.075 Tw T* [(may)8 ( )0.5 (issue)8.1 ( notices)8 ( )0.5 (of)8 ( )0.5 (adjustments)8 ( )0.5 (to)8 ( )0.5 (credit)8 ( )0.5 (policy)8 ( )0.5 (guidelines)8.1 ( in)8 ( )0.5 (a)8 ( )]TJ 0.025 Tc 0.061 Tw T* (timely manner in response to changes in government policies, the )Tj 0 Tw T* (economic environment and our risk preferences.)Tj 0.042 Tc 0.07 Tw 0 -2.462 TD [(We)12.8 ( categorize)12.8 ( the)12.8 ( industries)12.9 ( in)12.8 ( which)12.8 ( a)12.8 ( loan)12.8 ( applicant)12.8 ( operates)17 ( )]TJ 0.054 Tc 0 -1.231 TD [(into)12.3 ( the)12.3 ( following)12.2 ( four)12.3 ( categories)12.3 ( and)12.3 ( adopt)12.3 ( a)12.3 ( different)12.3 ( credit)29 ( )]TJ 0.025 Tc 0 Tw T* (policy for each industry category.)Tj /T1_1 1 Tf -0.025 Tw 0 -2.462 TD (Industries)Tj 0 Tw 14.173 0 Td (Credit Policies)Tj /T1_0 1 Tf 0.027 Tc 0.081 Tw -14.173 -2.462 Td [(M)0.5 (o)0.5 (de)0.5 (r)0.5 (n)2 ( )0.5 (a)0.5 (gr)0.5 (i)0.5 (c)0.5 (u)0.5 (lt)0.5 (u)0.5 (r)0.5 (e)0.5 (,)1.9 ( )0.5 (t)0.5 (o)0.5 (u)0.5 (ri)0.5 (s)0.5 (m)0.5 (,)2 ( )]TJ 0.059 Tc 0.07 Tw 0.654 -1.231 Td [(education)12.6 ( and)12.7 ( health)12.7 ( care)34 ( )]TJ 0.025 Tc 0.051 Tw 0 -1.231 TD (industries \(\223active support\224 )Tj -0.025 Tw 0 -1.231 TD (industries\))Tj 0.076 Tw 13.519 3.692 Td [(\225 )-364.3 (prioritize credit allocation and )]TJ 0.085 Tc 0.07 Tw 1.09 -1.231 Td [(increase)12.2 ( credit)12.2 ( exposure)12.1 ( to)60 ( )]TJ 0.025 Tc 0 Tw 0 -1.231 TD (borrowers in these industries.)Tj 0.135 Tc 0.07 Tw -15.263 -3.692 Td [(I)0.5 (T)0.6 (,)13 ( )0.5 (u)0.5 (t)0.5 (i)0.6 (l)0.5 (i)0.5 (t)0.5 (i)0.5 (e)0.6 (s)0.5 (,)13 ( )0.5 (w)0.6 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We )Tj 0.042 Tc 0.07 Tw T* [(accept)12 ( deposits)12.1 ( from)12.1 ( banks)12.1 ( and)12 ( other)12 ( financial)12.1 ( institutions)17 ( )]TJ 0.029 Tc 0.079 Tw T* [(and)4 ( )0.5 (deposit)4 ( )0.5 (money)4 ( )0.5 (in)4 ( )0.6 (banks)4 ( )0.5 (and)4.1 ( )0.5 (other)4 ( )0.5 (financial)4 ( )0.5 (institutions,)4 ( )]TJ 0.031 Tc 0.077 Tw T* [(and)6 ( )0.5 (also)6.1 ( engage)6 ( )0.5 (in)6 ( )0.5 (other)6 ( )0.6 (interbank)6 ( )0.5 (transactions)6 ( )0.5 (with)6 ( )0.5 (certain)6 ( )]TJ 0.025 Tc 0 Tw T* (of these banks and financial institutions.)Tj 0.032 Tc 0.076 Tw 0 -2.462 TD [(As)7 ( )0.5 (of)7 ( )0.5 (June)7 ( )0.6 (3)6.9 (0)7 (,)7 ( )0.5 (2)7 (0)7 (1)7 (9)7 ( )0.5 (and)7 ( )0.5 (December)7.1 ( )0.5 (3)6.9 (1)7 (,)7 ( )0.6 (2)6.9 (0)7 (1)7 (8)7 (,)7 ( )0.5 (deposits)7 ( )0.5 (from)6.9 ( )]TJ 0.039 Tc 0.07 Tw 0 -1.231 TD [(ba)0.5 (nks)12.9 ( )0.5 (and)12.9 ( )0.5 (other)13 ( fi)0.5 (nanc)0.5 (ial)12.9 ( )0.5 (insti)0.5 (tuti)0.5 (ons)12.9 ( t)0.5 (otal)0.5 (ed)12.9 ( R)0.5 (MB)12.9 (1)13 (3)12.9 (,)12.9 (9)12.9 (2)12.9 (5)13 (.)12.9 (7)14 ( )]TJ 0.081 Tc T* [(million)12.3 ( and)12.3 ( RMB)12.3 (1)12.4 (5)12.3 (,)12.3 (5)12.3 (1)12.4 (3)12.3 (.)12.3 (8)12.3 ( million,)12.3 ( and)12.3 ( our)12.3 ( deposits)12.3 ( at)56 ( )]TJ 0.025 Tc 0.064 Tw T* (banks and other financial institutions \(original value without )Tj 0.047 Tc 0.07 Tw T* [(deducting)12.3 ( provisions)12.3 ( for)12.2 ( impairment\))12.2 ( totaled)12.3 ( RMB)12.3 (6)12.3 (,)12.2 (7)12.3 (1)12.3 (8)12.3 (.)12.2 (9)22 ( )]TJ 0.025 Tc 0 Tw 0 -1.231 TD (million and RMB12,932.4 million, respectively.)Tj -2.181 -2.462 Td [(\(B\) )-497.5 (Interbank placements)]TJ 0.086 Tc 0.082 Tw 2.181 -2.462 Td [(A)-12 (s)0.5 ( o)-12 (f)0.5 ( J)-12 (u)-12 (n)-12 (e)0.5 ( 3)0.5 (0)0.5 (, 2)0.5 (0)0.5 (1)0.5 (9)0.5 ( a)-12 (n)-12.1 (d)0.5 ( D)-12 (e)-12 (c)-12 (e)-12 (m)-12 (b)-12 (e)-12 (r)0.5 ( 3)0.5 (1,)0.5 ( 2)0.5 (0)0.5 (1)0.5 (8)0.5 (, w)-12 (e)0.5 ( d)-12 (i)-12 (d)61 ( )]TJ 0.061 Tc 0.07 Tw 0 -1.231 TD [(no)0.5 (t)12.9 ( )0.5 (mak)0.5 (e)12.9 ( )0.5 (any)13 ( p)0.5 (la)0.5 (ce)0.5 (men)0.5 (ts)12.9 ( )0.5 (wi)0.5 (th)12.9 ( )0.5 (ba)0.5 (nks)13 ( a)0.5 (nd)12.9 ( )0.5 (oth)0.5 (er)13 ( f)0.5 (ina)0.5 (nc)0.5 (ial)36 ( )]TJ 0.025 Tc 0 Tw T* [(in)0.5 (stitu)0.5 (tion)0.5 (s. 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The table below sets forth the financial\ )Tj 0.024 Tc 0 Tw T* (performance of the Bank\222s treasury operations for the periods indicat\ ed.)Tj /T1_1 1 Tf 0.025 Tc 10.4 0 0 13 141.7323 450.8179 Tm (\(Expressed in millions of RMB,)Tj T* (unless otherwise stated\))Tj 22.501 2.385 Td (Six months ended June 30,)Tj -0.025 Tw -0.046 -2.385 Td (2019)Tj /T1_0 1 Tf 6.814 0 Td (2018)Tj 4.277 1.192 Td (Percentage)Tj 1.655 -1.192 Td (change )Tj 10.4 0 3.4833 13 521.1392 419.8179 Tm (\(%\))Tj 0 Tw 10.4 0 0 13 141.7323 388.8179 Tm (External interest income, net)Tj -0.025 Tw 6.0632 0 0 7.579 268.8499 394.0179 Tm (\(1\))Tj /T1_1 1 Tf 10.4 0 0 13 364.0905 388.8179 Tm (1,456.1 )Tj /T1_0 1 Tf 6.814 0 Td (1,475.8)Tj 8.281 0 Td (\(1.3\))Tj 0 Tw -36.476 -1.192 Td (Inter-segment interest expenses, net)Tj -0.025 Tw 6.0632 0 0 7.579 300.1219 378.5179 Tm (\(2\))Tj /T1_1 1 Tf 10.4 0 0 13 360.1073 373.3179 Tm (\(1,287.3\))Tj /T1_0 1 Tf 7.614 0 Td (\(422.8\))Tj 7.197 0 Td (204.5 )Tj ET 0 0 0 1 K 0.5 w q 1 0 0 1 337.3228 368.9078 cm 0 0 m 59.528 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 10.4 0 0 13 331.6536 370.3088 Tm ( )Tj ET q 1 0 0 1 408.189 368.9078 cm 0 0 m 59.528 0 l S Q BT /T1_0 1 Tf 10.4 0 0 13 402.5197 370.3088 Tm ( )Tj ET q 1 0 0 1 479.0551 368.9078 cm 0 0 m 59.528 0 l S Q BT 10.4 0 0 13 473.3858 370.3088 Tm ( )Tj 0.025 Tc -31.89 -2.385 Td (Net interest income)Tj /T1_1 1 Tf -0.025 Tw 22.181 0 Td (168.8 )Tj /T1_0 1 Tf 6.014 0 Td (1,053.0)Tj 7.756 0 Td (\(84.0\))Tj 0 Tw -35.951 -1.192 Td (Net fee and commission income)Tj /T1_1 1 Tf -0.025 Tw 22.706 0 Td (10.2 )Tj /T1_0 1 Tf 6.814 0 Td (58.4)Tj 6.431 0 Td (\(82.5\))Tj 0 Tw -35.951 -1.192 Td (Net trading gains)Tj /T1_1 1 Tf -0.025 Tw 22.181 0 Td (852.6 )Tj /T1_0 1 Tf 6.814 0 Td (434.7)Tj 7.339 0 Td (96.1 )Tj 0 Tw -36.334 -1.192 Td (Net gains arising from investment )Tj -0.025 Tw 0.818 -1.192 Td (securities)Tj /T1_1 1 Tf 21.888 0 Td (15.5 )Tj /T1_0 1 Tf 7.339 0 Td (2.5)Tj 5.764 0 Td (520.0 )Tj ET q 1 0 0 1 337.3229 272.8987 cm 0 0 m 59.528 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 10.4 0 0 13 331.6536 274.2997 Tm ( )Tj ET q 1 0 0 1 408.1891 272.8987 cm 0 0 m 59.528 0 l S Q BT /T1_0 1 Tf 10.4 0 0 13 402.5198 274.2997 Tm ( )Tj ET q 1 0 0 1 479.0552 272.8987 cm 0 0 m 59.528 0 l S Q BT 10.4 0 0 13 473.3859 274.2997 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -31.89 -2.385 Td (Operating income)Tj -0.025 Tw 21.381 0 Td (1,047.1 )Tj /T1_0 1 Tf 6.814 0 Td (1,548.6)Tj 7.756 0 Td (\(32.4\))Tj ET 2.5 w q 1 0 0 1 337.3229 237.7352 cm 0 0 m 59.528 0 l S Q 0.835 w q 1 0 0 1 337.3229 234.4027 cm 0 0 m 59.528 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 10.4 0 0 13 331.6537 235.6362 Tm ( )Tj ET 2.5 w q 1 0 0 1 408.1891 237.7352 cm 0 0 m 59.528 0 l S Q 0.835 w q 1 0 0 1 408.1891 234.4027 cm 0 0 m 59.528 0 l S Q BT /T1_0 1 Tf 10.4 0 0 13 402.5198 235.6362 Tm ( )Tj ET 2.5 w q 1 0 0 1 479.0552 237.7352 cm 0 0 m 59.528 0 l S Q 0.835 w q 1 0 0 1 479.0552 234.4027 cm 0 0 m 59.528 0 l S Q BT 10.4 0 0 13 473.3859 235.6362 Tm ( )Tj 0.025 Tc -31.89 -2.385 Td (Operating expenses)Tj /T1_1 1 Tf -0.025 Tw 21.798 0 Td (\(255.0\))Tj /T1_0 1 Tf 6.814 0 Td (\(451.4\))Tj 7.339 0 Td (\(43.5\))Tj 0 Tw -35.951 -1.192 Td (Impairment \(losses\)/reversed on assets)Tj /T1_1 1 Tf -0.025 Tw 21.798 0 Td (\(333.9\))Tj /T1_0 1 Tf 7.722 0 Td (36.7)Tj 5.106 0 Td (\(1,009.8\))Tj 0 Tw -34.626 -1.192 Td (Operating profit)Tj /T1_1 1 Tf -0.025 Tw 22.181 0 Td (458.2 )Tj /T1_0 1 Tf 6.014 0 Td (1,133.9)Tj 7.756 0 Td (\(59.6\))Tj ET 0.5 w q 1 0 0 1 337.3229 169.2262 cm 0 0 m 59.528 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 10.4 0 0 13 331.6537 170.6272 Tm ( )Tj ET q 1 0 0 1 408.1891 169.2262 cm 0 0 m 59.528 0 l S Q BT /T1_0 1 Tf 10.4 0 0 13 402.5198 170.6272 Tm ( )Tj ET q 1 0 0 1 479.0552 169.2262 cm 0 0 m 59.528 0 l S Q BT 10.4 0 0 13 473.3859 170.6272 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -31.89 -2.385 Td (Profit before tax)Tj -0.025 Tw 22.181 0 Td (458.2)Tj /T1_0 1 Tf 6.014 0 Td (1,133.9)Tj 7.756 0 Td (\(59.6\))Tj ET 2.5 w q 1 0 0 1 337.3229 134.0626 cm 0 0 m 59.528 0 l S Q 0.835 w q 1 0 0 1 337.3229 130.7301 cm 0 0 m 59.528 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 10.4 0 0 13 331.6537 131.9636 Tm ( )Tj ET 2.5 w q 1 0 0 1 408.1891 134.0626 cm 0 0 m 59.528 0 l S Q 0.835 w q 1 0 0 1 408.1891 130.7301 cm 0 0 m 59.528 0 l S Q BT /T1_0 1 Tf 10.4 0 0 13 402.5198 131.9636 Tm ( )Tj ET 2.5 w q 1 0 0 1 479.0552 134.0626 cm 0 0 m 59.528 0 l S Q 0.835 w q 1 0 0 1 479.0552 130.7301 cm 0 0 m 59.528 0 l S Q BT 10.4 0 0 13 473.3859 131.9636 Tm ( )Tj 0.025 Tc -0.025 Tw 11 0 2.9474 11 140.6035 104.6146 Tm (Notes:)Tj 6.413 0 0 6.413 141.7324 82.0146 Tm (\(1\))Tj 0 Tw 11 0 0 11 149.6908 77.6146 Tm [( )-1578.5 (Represents net income and expenses from third parties.)]TJ -0.025 Tw 6.413 0 0 6.413 141.7324 55.0146 Tm (\(2\))Tj 0 Tw 11 0 0 11 149.6908 50.6146 Tm [( )-1578.5 (Represents inter-segment expenses and consideration of transfer.)]TJ ET endstream endobj 168 0 obj <>stream BT 0 0 0 1 k /Perceptual ri /GS0 gs /T1_0 1 Tf 0.025 Tc 12 0 0 12 281.8878 18.7502 Tm (\226 47 \226)Tj 13 0 0 13 170.0787 776.3179 Tm [(\(A\) )-442.5 (Wealth management services)]TJ 0.072 Tc 0.07 Tw 2.181 -2.462 Td [(We)12.7 ( offer)12.8 ( retail)12.8 ( customers)12.8 ( wealth)12.7 ( management)12.8 ( products)47 ( )]TJ 0.025 Tc 0.046 Tw 0 -1.231 TD (under our Huifu \()Tj /C0_0 1 Tf 0.225 Tc -0.225 Tw 7.715 0 Td <0DD22A32>Tj /T1_0 1 Tf 0.025 Tc 0.046 Tw 2.375 0 Td (\) series based on their risk and return )Tj 0.055 Tw -10.09 -1.231 Td (preferences. We invest funds from these wealth management )Tj 0.07 Tc 0.07 Tw T* [(products)12.5 ( primarily)12.5 ( in)12.5 ( bonds,)12.5 ( interbank)12.5 ( deposits,)12.5 ( money)45 ( )]TJ 0.025 Tc 0 Tw T* (market instruments and other fixed income products.)Tj 0.12 Tc 0.07 Tw 0 -2.462 TD [(For)12.9 ( the)12.8 ( six)12.9 ( months)12.9 ( ended)12.8 ( June)12.8 ( 3)12.9 (0)12.8 (,)12.9 ( 2)12.9 (0)12.8 (1)12.9 (9)12.9 ( and)12.9 ( 2)12.8 (0)12.9 (1)12.8 (8)12.9 (,)95 ( )]TJ 0.091 Tc 0 -1.231 TD [(wealth)12.5 ( management)12.6 ( products)12.6 ( sold)12.5 ( to)12.6 ( retail)12.6 ( customers)66 ( )]TJ 0.063 Tc T* [(t)0.5 (o)0.6 (t)0.5 (a)0.5 (l)0.5 (e)0.6 (d)13 ( )0.5 (R)0.5 (M)0.6 (B)13 (1)13 (7)13.1 (,)13 (3)13 (0)13 (0)13 (.)13.1 (5)13 ( )0.5 (m)0.5 (i)0.6 (l)0.5 (l)0.5 (i)0.5 (o)0.5 (n)13.1 ( )0.5 (a)0.5 (n)0.6 (d)13 ( )0.5 (R)0.5 (M)0.6 (B)13 (1)13 (7)13 (,)13.1 (8)13 (6)13 (2)13 (.)13.1 (5)13 ( )0.5 (m)0.5 (i)0.6 (l)0.5 (l)0.5 (i)0.5 (o)0.5 (n)0.6 (,)38 ( )]TJ 0.06 Tc T* [(r)0.5 (es)0.5 (p)0.5 (ec)0.5 (t)0.5 (iv)0.5 (e)0.5 (ly)0.5 (.)12.9 ( )0.5 (A)0.5 (s)12.9 ( )0.5 (o)0.5 (f)12.9 ( )0.5 (J)0.5 (un)0.5 (e)13 ( 3)13 (0)12.9 (,)13 ( )0.5 (2)12.9 (0)13 (1)12.9 (9)13 (,)12.9 ( )0.5 (w)0.5 (e)13 ( h)0.5 (ad)13 ( )0.5 (2)12.9 (7)13 (0)13 (,)12.9 (3)13 (1)12.9 (7)13 ( )0.5 (re)0.5 (ta)0.5 (i)0.5 (l)35 ( )]TJ 0.039 Tc T* [(we)0.5 (alth)13 ( man)0.5 (age)0.5 (ment)13 ( clie)0.5 (nts)13 ( and)12.9 ( )0.5 (the)13 ( ret)0.5 (urn)12.9 ( r)0.5 (ate)13 ( of)12.9 ( )0.5 (our)12.9 ( )0.5 (reta)0.5 (il)14 ( )]TJ 0.025 Tc 0.054 Tw T* [(wealth )0.6 (management )0.5 (products )0.5 (was )0.6 (between )0.5 (4.10% )0.5 (and )0.6 (5.05% )]TJ 0 Tw T* (for the six months ended June 30, 2019.)Tj -2.181 -2.462 Td [(\(B\) )-497.5 (Agency services)]TJ 0.07 Tc 0.07 Tw 2.181 -2.462 Td [(We)12.7 ( sell)12.8 ( insurance)12.8 ( and)12.8 ( precious)12.8 ( metal)12.8 ( products)12.8 ( to)12.8 ( retail)45 ( )]TJ 0.025 Tc 0 Tw T* (customers as an agent.)Tj 0.042 Tw 0 -2.462 TD (Insurance Products: as of June 30, 2019, we had entered into )Tj 0 Tw 0 -1.231 TD (agency agreements with 6 nationwide insurance companies to )Tj T* (promote and distribute their insurance products.)Tj 0.03 Tc 0.078 Tw 0 -2.462 TD [(Precious)5 ( )0.5 (Metal)5 ( )0.5 (Products:)5 ( )0.5 (we)5 ( )0.5 (received)5 ( )0.5 (approval)5 ( )0.5 (to)5.1 ( )0.5 (distribute)5 ( )]TJ 0.025 Tc 0.041 Tw 0 -1.231 TD (precious metals in China in August 2015. 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(v)0.5 (i)0.5 (n)0.5 (c)0.5 (e)13 ( )0.5 (\()]TJ /C0_0 1 Tf 0.042 Tc -0.042 Tw 8.915 0 Td [<035A>0.5 <0D20>0.5 <07B2>0.5 <025B>0.5 <0262>0.5 <0F1F>0.5 <0E55>0.5 <0571>0.5 <065F>0.5 <0E36>0.5 <06AD>0.5 <10E6>0.5 <1742>]TJ /T1_0 1 Tf 0.025 Tc 0.083 Tw 13.54 0 Td [(\) )0.5 (t)-12.5 (o )]TJ 0.031 Tc 0.077 Tw -22.454 -1.231 Td [(issue)6.1 ( )0.5 (debit)6 ( )0.5 (cards,)6 ( )0.5 (which)6 ( )0.5 (can)6 ( )0.5 (be)6 ( )0.5 (used)6 ( )0.5 (for)6 ( )0.5 (making)6 ( )0.5 (social)6 ( )]TJ 0.044 Tc 0.07 Tw 0 -1.231 TD [(security)12.4 ( contributions)12.4 ( and)12.3 ( social)12.4 ( security)12.4 ( information)19 ( )]TJ 0.025 Tc -0.025 Tw 0 -1.231 TD (inquiries.)Tj 0.038 Tc 0.07 Tw -1.93 -2.462 Td [(\225)13 ( )-1197.5 (H)0.5 (o)0.5 (u)0.5 (s)0.5 (i)0.5 (n)0.5 (g)13 ( )0.5 (P)0.5 (r)0.5 (o)0.5 (v)0.5 (i)0.5 (d)0.5 (e)0.5 (n)0.5 (t)13 ( )0.5 (Fu)0.6 (nd)13 ( )0.5 (C)0.5 (o)0.5 (-)0.5 (b)0.5 (r)0.5 (a)0.6 (nd)0.5 (e)0.5 (d)13 ( )0.5 (C)0.5 (a)0.6 (r)0.5 (ds)13 ( )0.6 (\()]TJ /C0_0 1 Tf 0.057 Tc -0.057 Tw 21.746 0 Td <02AE13100696144C>Tj 0.025 Tc -0.025 Tw -19.815 -1.231 Td <03A40314>Tj /T1_0 1 Tf 0.034 Tc 0.074 Tw [(\):)9 ( )0.5 (We)9 ( )0.5 (work)9 ( )0.5 (with)9 ( )0.5 (the)9 ( )0.5 (local)9 ( )0.5 (housing)9 ( )0.5 (provident)9 ( )0.5 (fund)9 ( )]TJ 0.04 Tc 0.07 Tw T* [(management)12.1 ( center)12.2 ( to)12.1 ( issue)12.1 ( debit)12.1 ( cards,)12.1 ( which)12.1 ( can)12.2 ( be)15 ( )]TJ 0.039 Tc T* [(u)0.5 (se)0.5 (d)13 ( f)0.5 (o)0.5 (r)12.9 ( )0.5 (w)0.5 (it)0.5 (hd)0.5 (r)0.5 (aw)0.5 (a)0.5 (l)12.9 ( )0.5 (a)0.5 (nd)13 ( )0.5 (tr)0.5 (a)0.5 (ns)0.5 (f)0.5 (er)13 ( )0.5 (of)13 ( )0.5 (ho)0.5 (us)0.5 (i)0.5 (ng)13 ( )0.5 (pr)0.5 (o)0.5 (vi)0.5 (de)0.5 (n)0.5 (t)14 ( )]TJ 0.025 Tc 0 Tw T* (funds, loan distribution and account inquiries.)Tj 0.024 Tc -1.93 -2.462 Td [(\225)-1 ( )-1281.5 (Longyuan Transportation Cards \()]TJ /C0_0 1 Tf -0.024 Tw <15EC086103740BB70314>Tj /T1_0 1 Tf 0 Tw [(\): We work)-1.1 ( )]TJ 0.038 Tc 0.07 Tw 1.93 -1.231 Td [(with)12.7 ( the)12.6 ( Gansu)12.6 ( Provincial)12.6 ( Expressway)12.6 ( Administration)13 ( )]TJ 0.024 Tc 0 Tw T* [(to issue IC financial cards, which can be used for paying)-1.1 ( )]TJ 0.025 Tc T* (expressway tolls electronically.)Tj ET endstream endobj 175 0 obj <>stream BT 0 0 0 1 k /Perceptual ri /GS0 gs /T1_0 1 Tf 0.025 Tc 12 0 0 12 281.8878 18.7502 Tm (\226 44 \226)Tj /T1_1 1 Tf 13 0 0 13 141.7323 754.8479 Tm (\(Expressed in millions of RMB,)Tj 0 -1.231 TD (unless otherwise stated\))Tj 16.805 2.462 Td (Six months ended June 30,)Tj -0.025 Tw 0.745 -2.462 Td (2019)Tj /T1_0 1 Tf 5.451 0 Td (2018)Tj 2.914 1.231 Td (Percentage )Tj 1.655 -1.231 Td (change)Tj 13 0 3.4833 13 517.1118 722.8479 Tm (\(%\))Tj 0 Tw 13 0 0 13 141.7322 690.8479 Tm (External interest expenses, net)Tj -0.025 Tw 7.579 0 0 7.579 309.937 696.0479 Tm (\(1\))Tj /T1_1 1 Tf 13 0 0 13 350.9214 690.8479 Tm (\(1,133.7\))Tj /T1_0 1 Tf 6.251 0 Td (\(562.5\))Tj 5.834 0 Td (101.5 )Tj 0 Tw -28.177 -1.231 Td (Inter-segment interest income, )Tj -0.025 Tw 0.654 -1.231 Td (net)Tj 7.579 0 0 7.579 167.0969 664.0479 Tm (\(2\))Tj /T1_1 1 Tf 13 0 0 13 355.9003 658.8479 Tm (1,873.2 )Tj /T1_0 1 Tf 5.451 0 Td (1,038.2)Tj 6.776 0 Td (80.4 )Tj ET 0 0 0 1 K 0.5 w q 1 0 0 1 337.3227 654.4379 cm 0 0 m 59.528 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 13 0 0 13 389.7003 655.8389 Tm ( )Tj ET q 1 0 0 1 408.1888 654.4379 cm 0 0 m 59.528 0 l S Q BT /T1_0 1 Tf 13 0 0 13 460.5664 655.8389 Tm ( )Tj ET q 1 0 0 1 479.055 654.4379 cm 0 0 m 59.528 0 l S Q BT 13 0 0 13 531.4326 655.8389 Tm ( )Tj 0.025 Tc -29.977 -2.462 Td (Net interest income)Tj /T1_1 1 Tf -0.025 Tw 17.274 0 Td (739.5 )Tj /T1_0 1 Tf 5.451 0 Td (475.7)Tj 5.976 0 Td (55.5 )Tj 0 Tw -28.702 -1.231 Td (Net fee and commission income)Tj /T1_1 1 Tf -0.025 Tw 17.799 0 Td (17.7 )Tj /T1_0 1 Tf 5.451 0 Td (11.8)Tj 5.451 0 Td (50.0 )Tj ET q 1 0 0 1 337.3226 603.4288 cm 0 0 m 59.528 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 13 0 0 13 389.7002 604.8298 Tm ( )Tj ET q 1 0 0 1 408.1888 603.4288 cm 0 0 m 59.528 0 l S Q BT /T1_0 1 Tf 13 0 0 13 460.5663 604.8298 Tm ( )Tj ET q 1 0 0 1 479.0549 603.4288 cm 0 0 m 59.528 0 l S Q BT 13 0 0 13 531.4325 604.8298 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -29.977 -2.462 Td (Operating income)Tj -0.025 Tw 17.274 0 Td (757.2 )Tj /T1_0 1 Tf 5.451 0 Td (487.5)Tj 5.976 0 Td (55.3)Tj ET 2.5 w q 1 0 0 1 337.3226 567.2653 cm 0 0 m 59.528 0 l S Q 0.835 w q 1 0 0 1 337.3226 563.9327 cm 0 0 m 59.528 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 13 0 0 13 389.7002 565.1663 Tm ( )Tj ET 2.5 w q 1 0 0 1 408.1888 567.2653 cm 0 0 m 59.528 0 l S Q 0.835 w q 1 0 0 1 408.1888 563.9327 cm 0 0 m 59.528 0 l S Q BT /T1_0 1 Tf 13 0 0 13 460.5663 565.1663 Tm ( )Tj ET 2.5 w q 1 0 0 1 479.0549 567.2653 cm 0 0 m 59.528 0 l S Q 0.835 w q 1 0 0 1 479.0549 563.9327 cm 0 0 m 59.528 0 l S Q BT 13 0 0 13 531.4325 565.1663 Tm ( )Tj 0.025 Tc -29.977 -2.462 Td (Operating expenses)Tj /T1_1 1 Tf -0.025 Tw 16.891 0 Td (\(184.5\))Tj /T1_0 1 Tf 5.976 0 Td (\(90.7\))Tj 5.309 0 Td (103.4 )Tj 0 Tw -28.177 -1.231 Td (Impairment losses on assets)Tj /T1_1 1 Tf -0.025 Tw 16.891 0 Td (\(113.5\))Tj /T1_0 1 Tf 5.451 0 Td (\(172.2\))Tj 5.976 0 Td (\(34.1\))Tj 0 Tw -28.319 -1.231 Td (Operating profit)Tj /T1_1 1 Tf -0.025 Tw 17.274 0 Td (459.2 )Tj /T1_0 1 Tf 5.451 0 Td (224.6)Tj 5.451 0 Td (104.5 )Tj ET 0.5 w q 1 0 0 1 337.3227 496.7562 cm 0 0 m 59.528 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 13 0 0 13 389.7002 498.1572 Tm ( )Tj ET q 1 0 0 1 408.1888 496.7562 cm 0 0 m 59.528 0 l S Q BT /T1_0 1 Tf 13 0 0 13 460.5664 498.1572 Tm ( )Tj ET q 1 0 0 1 479.0549 496.7562 cm 0 0 m 59.528 0 l S Q BT 13 0 0 13 531.4325 498.1572 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -29.977 -2.462 Td (Profit before tax)Tj -0.025 Tw 17.274 0 Td (459.2)Tj /T1_0 1 Tf 5.451 0 Td (224.6)Tj 5.451 0 Td (104.5)Tj ET 2.5 w q 1 0 0 1 337.3227 460.5927 cm 0 0 m 59.528 0 l S Q 0.835 w q 1 0 0 1 337.3227 457.2602 cm 0 0 m 59.528 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 13 0 0 13 389.7002 458.4937 Tm ( )Tj ET 2.5 w q 1 0 0 1 408.1888 460.5927 cm 0 0 m 59.528 0 l S Q 0.835 w q 1 0 0 1 408.1888 457.2602 cm 0 0 m 59.528 0 l S Q BT /T1_0 1 Tf 13 0 0 13 460.5664 458.4937 Tm ( )Tj ET 2.5 w q 1 0 0 1 479.0549 460.5927 cm 0 0 m 59.528 0 l S Q 0.835 w q 1 0 0 1 479.0549 457.2602 cm 0 0 m 59.528 0 l S Q BT 13 0 0 13 531.4325 458.4937 Tm ( )Tj 0.025 Tc -0.025 Tw 11 0 2.9474 11 140.6033 430.1446 Tm (Notes:)Tj 6.413 0 0 6.413 141.7321 406.5446 Tm (\(1\))Tj 0 Tw 11 0 0 11 149.6906 402.1446 Tm [( )-1578.5 (Represents net income and expenses from third parties.)]TJ -0.025 Tw 6.413 0 0 6.413 141.7321 378.5446 Tm (\(2\) )Tj 0 Tw 11 0 0 11 170.0786 374.1446 Tm (Represents inter-segment expenses and consideration of transfer.)Tj 13 0 3.4833 13 140.398 342.1446 Tm [(\(i\) )-886.5 (Retail loans)]TJ 0.073 Tc 0.07 Tw 13 0 0 13 170.0786 310.1446 Tm [(We)12.7 ( offer)12.6 ( retail)12.6 ( customers)12.6 ( personal)12.6 ( business)12.6 ( loans,)12.6 ( personal)48 ( )]TJ T* [(c)0.5 (o)0.5 (n)0.5 (s)0.5 (u)0.5 (mp)0.5 (t)0.5 (i)0.5 (o)0.5 (n)13 ( l)0.5 (o)0.5 (a)0.5 (n)0.5 (s)13 ( )0.5 (a)0.5 (n)0.5 (d)13 ( )0.5 (p)0.5 (er)0.5 (s)0.5 (o)0.5 (n)0.5 (a)0.5 (l)13 ( )0.5 (r)0.5 (e)0.5 (s)0.5 (i)0.5 (de)0.5 (n)0.5 (t)0.5 (i)0.5 (a)0.5 (l)13 ( )0.5 (a)0.5 (n)0.5 (d)13 ( c)0.5 (o)0.5 (m)0.5 (m)0.5 (e)0.5 (r)0.5 (c)0.5 (i)0.5 (a)0.5 (l)48 ( )]TJ 0.025 Tc 0.002 Tw T* (mortgage loans. As of June 30, 2019 and December 31, 2018, total )Tj 0.006 Tw 0 -1.231 TD (retail loans were RMB32,421.0 million and RMB28,025.2 million, )Tj 0.03 Tc 0.078 Tw 0 -1.231 TD [(accounting)5 ( )0.5 (for)5 ( )0.5 (1)5 (9)5 (.)5 (0)5 (%)5 ( )0.5 (and)5 ( )0.5 (1)5 (7)5 (.)5 (4)5 (%)5 ( )0.5 (of)5 ( )0.5 (our)5 ( )0.5 (total)5 ( )0.5 (loans)5 ( )0.5 (and)5 ( )0.5 (advances)5 ( )]TJ 0.025 Tc 0 Tw T* (to customers, respectively.)Tj 13 0 3.4833 13 140.398 198.1446 Tm [(\(ii\) )-583.5 (Retail deposits)]TJ 0.042 Tc 0.07 Tw 13 0 0 13 170.0786 166.1446 Tm [(We)12.6 ( accept)12.5 ( demand)12.6 ( and)12.6 ( time)12.6 ( deposits)12.6 ( denominated)12.6 ( in)12.6 ( Renminbi)17 ( )]TJ 0.087 Tc T* [(and)12.6 ( major)12.7 ( foreign)12.7 ( currencies)12.7 ( from)12.7 ( retail)12.7 ( customers.)12.6 ( As)12.6 ( of)62 ( )]TJ 0.06 Tc T* [(June)12.8 ( 3)12.8 (0)12.7 (,)12.8 ( 2)12.7 (0)12.8 (1)12.7 (9)12.8 ( and)12.7 ( December)12.8 ( 3)12.8 (1)12.7 (,)12.8 ( 2)12.8 (0)12.7 (1)12.7 (8)12.8 (,)12.7 ( retail)12.8 ( deposits)12.7 ( totaled)35 ( )]TJ 0.049 Tc T* [(RMB)12.8 (1)12.8 (2)12.8 (7)12.8 (,)12.8 (7)12.9 (1)12.8 (9)12.8 (.)12.8 (9)12.8 ( million)12.9 ( and)12.8 ( RMB)12.8 (1)12.9 (0)12.8 (7)12.8 (,)12.8 (1)12.8 (3)12.8 (3)12.9 (.)12.8 (1)12.8 ( million,)12.8 ( accounting)23.9 ( )]TJ 0.025 Tc 0 Tw T* (for 54.3% and 50.8% of our total customer deposits, respectively.)Tj ET endstream endobj 174 0 obj <>stream BT 0 0 0 1 k /Perceptual ri /GS0 gs /T1_0 1 Tf 0.025 Tc 12 0 0 12 281.8878 18.7502 Tm (\226 43 \226)Tj 13 0 0 13 170.0787 776.3179 Tm [(\(D\) )-442.5 (Consultation and financial advisory services)]TJ 0.032 Tc 0.076 Tw 2.181 -2.462 Td [(We)7.1 ( )0.5 (structure)7 ( )0.5 (financial)7 ( )0.5 (solutions)7 ( )0.5 (and)7 ( )0.5 (offer)7 ( )0.5 (advisory)7 ( )0.5 (services)7 ( )]TJ 0.028 Tc 0.08 Tw 0 -1.231 TD [(with)3 ( )0.5 (respect)3 ( )0.5 (to)3 ( )0.5 (the)3 ( )0.5 (economy,)3 ( )0.5 (financial)3 ( )0.5 (markets)3 ( )0.5 (and)3 ( )0.5 (industry)2.9 ( )]TJ 0.025 Tc 0 Tw T* (trends for corporate customers. )Tj -2.181 -2.462 Td [(\(E\) )-553.5 (Other fees and commission-based products and services)]TJ 0.062 Tc 0.07 Tw 2.181 -2.462 Td [(We)12.1 ( offer)12.1 ( other)12.2 ( fees)12.1 ( and)12.2 ( commission-based)12.2 ( products)12.1 ( and)37 ( )]TJ 0.074 Tc T* [(services)12.2 ( to)12.3 ( corporate)12.2 ( customers,)12.3 ( such)12.2 ( as)12.2 ( guarantee)12.3 ( and)49 ( )]TJ 0.025 Tc 0 Tw T* (foreign exchange services.)Tj /T1_1 1 Tf 13 0 3.4833 13 112.0517 584.3179 Tm [(\(b\) )-608.5 (Retail banking)]TJ /T1_0 1 Tf 0.066 Tc 0.07 Tw 13 0 0 13 141.7323 552.3179 Tm [(We)12.1 ( offer)12.1 ( retail)12.2 ( customers)12.1 ( a)12.1 ( wide)12.1 ( range)12.1 ( of)12.2 ( financial)12.1 ( products)12.1 ( and)41 ( )]TJ 0.048 Tc T* [(services,)12.2 ( including)12.2 ( loans,)12.2 ( deposits,)12.2 ( bank)12.2 ( card)12.2 ( services)12.1 ( and)12.2 ( fees)12.2 ( and)23 ( )]TJ 0.074 Tc T* [(commission-based)12.9 ( produc)0.5 (ts)12.9 ( and)12.9 ( servic)0.5 (es.)12.9 ( We)12.9 ( have)12.9 ( a)12.9 ( large)12.9 ( retail)49 ( )]TJ 0.025 Tc 0 Tw T* (customer base.)Tj 0.076 Tw 0 -2.462 TD (As of June 30, 2019, we had 141,176 retail borrowers with total loans )Tj 0.043 Tc 0.07 Tw 0 -1.231 TD [(of)12.3 ( RMB)12.3 (3)12.4 (2)12.4 (,)12.3 (4)12.4 (2)12.4 (1)12.3 (.)12.4 (0)12.4 ( million)12.4 ( and)12.4 ( over)12.4 ( 6)12.4 ( million)12.3 ( retail)12.3 ( deposit)12.4 ( customers)18 ( )]TJ 0.025 Tc 0.019 Tw 0 -1.231 TD (with total deposits of RMB127,719.9 million. For the six months ended )Tj 0.056 Tc 0.07 Tw 0 -1.231 TD [(June)12.8 ( 3)12.8 (0)12.7 (,)12.8 ( 2)12.8 (0)12.7 (1)12.8 (9)12.7 ( and)12.7 ( 2)12.7 (0)12.7 (1)12.8 (8)12.7 (,)12.8 ( operating)12.7 ( income)12.8 ( from)12.7 ( our)12.7 ( retail)12.8 ( banking)31 ( )]TJ 0.025 Tc 0.019 Tw T* (business accounted for 19.6% and 11.1% of our total operating income, )Tj -0.025 Tw T* (respectively.)Tj 0.041 Tc 0.07 Tw 0 -2.462 TD [(We)12.9 ( categorize)12.8 ( retail)12.9 ( banking)12.8 ( customers)12.9 ( into)12.8 ( regular)12.8 ( customers)12.9 ( \(with)16 ( )]TJ 0.087 Tc 0 -1.231 TD [(average)12.5 ( financial)12.5 ( asset)12.4 ( balances)12.5 ( of)12.5 ( under)12.4 ( RMB)12.4 (5)12.5 (0)12.5 (,)12.4 (0)12.5 (0)12.5 (0)12.4 (\),)12.5 ( wealth)62 ( )]TJ 0.07 Tc T* [(management)12.5 ( customers)12.5 ( \(with)12.5 ( average)12.5 ( financial)12.5 ( asset)12.5 ( balances)12.5 ( of)45.1 ( )]TJ 0.036 Tc 0.072 Tw T* [(RMB)11 (5)11 (0)11 (,)11 (0)11 (0)11 (0)10.9 ( )0.5 (or)11 ( )0.5 (above)11 ( )0.5 (but)11 ( )0.5 (less)11 ( )0.5 (than)11 ( )0.5 (RMB)11 (2)11 (0)11 (0)11 (,)11 (0)11 (0)11 (0)11 (\),)11 ( )0.5 (wealthy)10.9 ( )0.6 (customers)11 ( )]TJ 0.046 Tc 0.07 Tw T* [(\(with)12.7 ( average)12.6 ( financial)12.7 ( asset)12.7 ( balances)12.7 ( of)12.7 ( RMB)12.6 (2)12.6 (0)12.7 (0)12.6 (,)12.6 (0)12.6 (0)12.6 (0)12.7 ( or)12.7 ( above)12.7 ( but)21.1 ( )]TJ 0.024 Tc 0 Tw T* [(less than RMB3.0 million\) and private banking customers \(with average)-1 ( )]TJ 0.025 Tc T* (financial asset balances of RMB3.0 million or above\).)Tj 0.041 Tc 0.082 Tw 0 -2.462 TD [(A)-12.1 (s o)-12.1 (f J)-12.1 (u)-12.1 (n)-12.1 (e 30, 2019, w)-12.1 (e h)-12.1 (a)-12.1 (d 183,604 w)-12 (e)-12.1 (a)-12.1 (l)-12.1 (t)-12.1 (h)-12.2 (y c)-12.1 (u)-12.1 (s)-12.1 (t)-12.1 (o)-12.1 (m)-12.1 (e)-12.1 (r)-12.1 (s a)-12.1 (n)-12.1 (d 1,697)16 ( )]TJ 0.025 Tc 0.055 Tw 0 -1.231 TD (private banking customers. We continue to grow our wealthy customer )Tj 0.064 Tc 0.07 Tw 0 -1.231 TD [(a)0.5 (nd)13 ( )0.5 (pr)0.5 (iv)0.5 (a)0.5 (te)13 ( )0.5 (ba)0.5 (n)0.5 (ki)0.5 (n)0.5 (g)12.9 ( )0.5 (cu)0.5 (s)0.5 (to)0.5 (m)0.5 (er)13 ( )0.5 (ba)0.5 (s)0.5 (e)13 ( b)0.5 (y)12.9 ( )0.5 (e)0.5 (xp)0.5 (a)0.5 (nd)0.5 (i)0.5 (ng)13 ( o)0.5 (u)0.5 (r)12.9 ( )0.5 (p)0.5 (ro)0.5 (du)0.5 (c)0.5 (t)12.9 ( )0.5 (a)0.5 (nd)39 ( )]TJ 0.026 Tc 0.082 Tw 0 -1.231 TD [(service)1 ( )0.6 (portfolio.)1 ( )0.5 (The)1 ( )0.6 (table)1 ( )0.5 (below)1 ( )0.5 (sets)1 ( )0.5 (forth)1 ( )0.5 (the)1 ( )0.5 (financial)1 ( )0.5 (performance)1 ( )]TJ 0.025 Tc 0 Tw T* (of our retail banking for the periods indicated.)Tj ET endstream endobj 173 0 obj <>stream BT 0 0 0 1 k /Perceptual ri /GS0 gs /T1_0 1 Tf 0.025 Tc 12 0 0 12 281.8878 18.7502 Tm (\226 42 \226)Tj 13 0 0 13 170.0787 776.3179 Tm [(\(B\) )-497.5 (Entrusted loans)]TJ 0.069 Tc 0.07 Tw 2.181 -2.462 Td [(We)12.8 ( provide)12.7 ( loans)12.8 ( to)12.8 ( borrowers)12.8 ( designated)12.8 ( by)12.7 ( corporate)44 ( )]TJ 0.06 Tc 0 -1.231 TD [(customers,)12.5 ( who)12.5 ( determine)12.5 ( the)12.5 ( use)12.5 ( of)12.4 ( proceeds,)12.5 ( principal)35 ( )]TJ 0.049 Tc T* [(amount)12.2 ( and)12.2 ( interest)12.1 ( rates)12.2 ( for)12.1 ( these)12.2 ( loans.)12.2 ( We)12.2 ( monitor)12.1 ( the)24 ( )]TJ 0.06 Tc T* [(use)12.1 ( of)12.1 ( entrusted)12.1 ( loans)12.1 ( by)12.1 ( borrowers)12.1 ( and)12.1 ( assist)12.1 ( corporate)35 ( )]TJ 0.025 Tc 0 Tw T* (customers in recovering these loans.)Tj 0.057 Tc 0.07 Tw 0 -2.462 TD [(We)12.6 ( charge)12.6 ( agency)12.6 ( fees)12.6 ( based)12.6 ( on)12.6 ( the)12.6 ( principal)12.5 ( amount)12.6 ( of)32 ( )]TJ 0.054 Tc 0 -1.231 TD [(entrusted)12.7 ( loans.)12.6 ( Our)12.6 ( corporate)12.6 ( customers)12.6 ( bear)12.7 ( the)12.7 ( risk)12.6 ( of)29 ( )]TJ 0.025 Tc 0.025 Tw T* (default associated with these loans. For the six months ended )Tj 0.046 Tc 0.07 Tw T* [(June)12.6 ( 3)12.6 (0)12.5 (,)12.6 ( 2)12.6 (0)12.5 (1)12.6 (9)12.6 ( and)12.6 ( 2)12.5 (0)12.6 (1)12.5 (8)12.6 (,)12.5 ( service)12.5 ( fees)12.6 ( charged)12.6 ( to)12.5 ( corporate)21 ( )]TJ 0.036 Tc 0.072 Tw T* [(customers)11.1 ( )0.5 (for)11 ( )0.5 (entrusted)11 ( )0.5 (loans)11 ( )0.5 (totaled)11 ( )0.5 (RMB)11 (8)11 (.)11 (0)11 (9)11 ( )0.5 (million)11 ( )0.5 (and)11 ( )]TJ 0.025 Tc 0 Tw T* (RMB63.3 million, respectively.)Tj -2.181 -2.462 Td [(\(C\) )-497.5 (Settlement services)]TJ 0.057 Tc 0.069 Tw 2.181 -2.462 Td [(W)0.6 (e)13 ( o)0.6 (f)0.5 (f)0.6 (e)0.5 (r)13.1 ( c)0.6 (o)0.5 (r)0.6 (p)0.5 (o)0.6 (r)0.5 (a)0.5 (t)0.6 (e)13 ( c)0.5 (u)0.6 (s)0.5 (t)0.6 (o)0.5 (m)0.5 (e)0.6 (r)0.5 (s)13.1 ( d)0.6 (o)0.5 (m)0.5 (e)0.6 (s)0.5 (t)0.6 (i)0.5 (c)13.1 ( a)0.6 (n)0.5 (d)13 ( i)0.5 (n)0.6 (t)0.5 (e)0.6 (r)0.5 (n)0.6 (a)0.5 (t)0.5 (i)0.6 (o)0.5 (n)0.6 (a)0.5 (l)32 ( )]TJ 0.025 Tc 0 Tw T* (settlement services.)Tj 0.101 Tc 0.07 Tw 0 -2.462 TD [(D)0.5 (o)0.5 (me)0.5 (st)0.5 (i)0.5 (c)13 ( S)0.5 (e)0.5 (tt)0.5 (l)0.5 (em)0.5 (e)0.5 (nt)13 ( )0.5 (Se)0.5 (r)0.5 (vi)0.5 (c)0.5 (es)0.5 (.)13 ( )0.5 (We)13 ( )0.5 (pr)0.5 (o)0.5 (vi)0.5 (d)0.5 (e)12.9 ( )0.5 (d)0.5 (om)0.5 (e)0.5 (st)0.5 (i)0.5 (c)76 ( )]TJ 0.059 Tc 0 -1.231 TD [(settlement)12.7 ( services)12.7 ( in)12.7 ( the)12.7 ( form)12.7 ( of)12.7 ( bank)12.6 ( acceptance)12.7 ( bills,)34 ( )]TJ 0.025 Tc 0.001 Tw T* (collections and telegraphic transfers. As of June 30, 2019 and )Tj 0.016 Tw T* (December 31, 2018, our total domestic settlement transaction )Tj 0.09 Tc 0.07 Tw T* [(volumes)12.3 ( were)12.3 ( approximately)12.3 ( RMB)12.3 (6)12.3 (,)12.3 (1)12.4 (8)12.3 (4)12.3 (.)12.4 (3)12.3 ( billion)12.3 ( and)65 ( )]TJ 0.025 Tc 0 Tw T* (RMB8,429.3 billion, respectively.)Tj 0.061 Tc 0.07 Tw 0 -2.462 TD [(Int)0.5 (erna)0.5 (tiona)0.5 (l)12.9 ( Se)0.5 (ttlem)0.5 (ent)12.9 ( S)0.5 (ervi)0.5 (ces)0.5 (.)12.9 ( We)13 ( obta)0.5 (ined)13 ( appr)0.5 (oval)36 ( )]TJ 0.078 Tc 0 -1.231 TD [(to)12.5 ( provide)12.5 ( international)12.4 ( settlement)12.5 ( services)12.5 ( in)12.5 ( January)52.9 ( )]TJ 0.092 Tc T* [(2)12.9 (0)12.8 (1)12.9 (4)12.9 (.)12.8 ( Our)12.8 ( international)12.8 ( settlement)12.9 ( services)12.9 ( primarily)67 ( )]TJ 0.026 Tc 0.082 Tw T* [(include)1 ( )0.5 (remittance,)1 ( )0.5 (collection,)1 ( )0.5 (letters)1 ( )0.6 (of)1 ( )0.5 (credit)1 ( )0.5 (and)1 ( )0.5 (letters)1 ( )0.5 (of)1 ( )]TJ 0.025 Tc -0.025 Tw T* (guarantee.)Tj 0.124 Tc 0.082 Tw 0 -2.462 TD [(A)-12.1 (s)0.5 ( o)-12.1 (f)0.5 ( J)-12.1 (u)-12.1 (n)-12 (e 30)0.5 (, 20)0.5 (19 a)-12 (n)-12.1 (d D)-12 (e)-12.1 (c)-12 (e)-12.1 (m)-12.1 (b)-12.1 (e)-12 (r 3)0.5 (1, 2)0.5 (018,)0.5 ( o)-12.1 (u)-12.1 (r)99 ( )]TJ 0.04 Tc 0.07 Tw 0 -1.231 TD [(international)12 ( settlement)12.1 ( transaction)12 ( volumes)12.1 ( were)12.1 ( US$)12.1 (6)12 (1)12.1 (.)12 (7)15 ( )]TJ 0.025 Tc 0 Tw 0 -1.231 TD (million and US$1,085 million, respectively.)Tj ET endstream endobj 172 0 obj <>stream BT 0 0 0 1 k /Perceptual ri /GS0 gs /T1_0 1 Tf 0.025 Tc 12 0 0 12 281.8878 18.7502 Tm (\226 41 \226)Tj 13 0 3.4833 13 140.3981 776.3179 Tm [(\(i\) )-886.5 (Corporate loans)]TJ 0.053 Tc 0.07 Tw 13 0 0 13 170.0787 744.3179 Tm [(Corporate)12.7 ( loans)12.7 ( constituted)12.7 ( the)12.7 ( largest)12.7 ( component)12.7 ( of)12.7 ( our)12.7 ( loan)28 ( )]TJ 0.025 Tc 0.069 Tw 0 -1.231 TD (portfolio. As of June 30, 2019 and December 31, 2018, corporate )Tj 0.045 Tc 0.083 Tw T* [(l)-12.7 (o)-12.6 (a)-12.7 (n)-12.6 (s a)-12.7 (m)-12.6 (o)-12.7 (u)-12.7 (n)-12.6 (t)-12.7 (e)-12.6 (d t)-12.6 (o R)-12.6 (M)-12.7 (B113,224.3 m)-12.7 (i)-12.7 (l)-12.6 (l)-12.7 (i)-12.6 (o)-12.7 (n a)-12.7 (n)-12.6 (d R)-12.7 (M)-12.7 (B113,204.1)20 ( )]TJ 0.042 Tc 0.07 Tw T* [(million,)12.4 ( accounting)12.4 ( for)12.4 ( 6)12.4 (6)12.4 (.)12.3 (3)12.4 (%)12.5 ( and)12.4 ( 7)12.4 (0)12.4 (.)12.4 (4)12.4 (%)12.4 ( of)12.4 ( our)12.4 ( total)12.4 ( loans)12.4 ( and)17 ( )]TJ 0.025 Tc 0 Tw T* (advances to customers, respectively.)Tj 13 0 3.4833 13 140.3981 648.3179 Tm [(\(ii\) )-583.5 (Discounted bills)]TJ 0.022 Tc 13 0 0 13 170.0787 616.3179 Tm [(We purchase bank and commercial acceptance bills with remaining)-3 ( )]TJ 0.05 Tc 0.07 Tw T* [(maturities)12.8 ( of)12.8 ( up)12.7 ( to)12.8 ( one)12.7 ( year)12.7 ( at)12.7 ( discounted)12.8 ( prices)12.8 ( to)12.8 ( satisfy)12.7 ( the)25 ( )]TJ 0.042 Tc T* [(short-term)12.3 ( funding)12.4 ( needs)12.3 ( of)12.3 ( banks)12.3 ( and)12.3 ( corporate)12.4 ( customers.)12.4 ( As)17.1 ( )]TJ 0.025 Tc 0.053 Tw T* [(of )0.5 (June )0.5 (30, )0.5 (2019 )0.5 (and )0.6 (December )0.5 (31, )0.5 (2018, )0.5 (discounted )0.5 (bills )0.5 (totaled )]TJ 0.053 Tc 0.07 Tw T* [(RMB)12.7 (2)12.8 (5)12.8 (,)12.7 (1)12.8 (8)12.8 (0)12.7 (.)12.8 (8)12.8 ( million)12.8 ( and)12.7 ( RMB)12.7 (1)12.8 (9)12.8 (,)12.8 (6)12.7 (5)12.8 (6)12.8 ( million,)12.8 ( accounting)12.8 ( for)28 ( )]TJ 0.042 Tc T* [(1)12.6 (4)12.6 (.)12.6 (7)12.6 (%)12.6 ( and)12.6 ( 1)12.6 (2)12.6 (.)12.6 (2)12.6 (%)12.6 ( of)12.6 ( our)12.6 ( total)12.6 ( loans)12.6 ( and)12.6 ( advances)12.7 ( to)12.6 ( customers,)17 ( )]TJ 0.025 Tc -0.025 Tw T* (respectively.)Tj 0 Tw 13 0 3.4833 13 140.3981 488.3179 Tm [(\(iii\) )-280.5 (Corporate deposits)]TJ 0.042 Tc 0.07 Tw 13 0 0 13 170.0787 456.3179 Tm [(We)12.6 ( accept)12.5 ( demand)12.6 ( and)12.6 ( time)12.6 ( deposits)12.6 ( denominated)12.6 ( in)12.6 ( Renminbi)17 ( )]TJ 0.05 Tc T* [(and)12.4 ( major)12.4 ( foreign)12.4 ( currencies)12.4 ( \(including)12.3 ( USD,)12.4 ( HKD)12.3 ( and)12.3 ( EUR\))25 ( )]TJ 0.053 Tc T* [(from)12.2 ( corporate)12.2 ( customers.)12.2 ( As)12.3 ( of)12.2 ( June)12.3 ( 3)12.2 (0)12.2 (,)12.2 ( 2)12.2 (0)12.2 (1)12.2 (9)12.2 ( and)12.2 ( December)28 ( )]TJ 0.052 Tc T* [(3)13 (1)13.1 (,)13 ( )0.6 (2)13 (0)13.1 (1)13 (8)13 (,)13.1 ( )0.5 (c)0.6 (o)0.5 (r)0.6 (p)0.5 (o)0.6 (r)0.5 (a)0.6 (t)0.5 (e)13.1 ( )0.5 (d)0.6 (e)0.5 (p)0.6 (o)0.5 (s)0.6 (i)0.5 (t)0.5 (s)13.1 ( )0.6 (t)0.5 (o)0.5 (t)0.6 (a)0.5 (l)0.6 (e)0.5 (d)13.1 ( )0.5 (R)0.6 (M)0.5 (B)13.1 (7)13 (8)13.1 (,)13 (5)13 (0)13.1 (4)13 (.)13.1 (7)13 ( )0.6 (m)0.5 (i)0.5 (l)0.6 (l)0.5 (i)0.6 (o)0.5 (n)13 ( )0.6 (a)0.6 (n)0.5 (d)27 ( )]TJ 0.051 Tc T* [(RMB)12.7 (7)12.7 (2)12.8 (,)12.7 (4)12.7 (3)12.8 (9)12.7 (.)12.7 (9)12.7 ( million,)12.7 ( accounting)12.7 ( for)12.8 ( 3)12.7 (3)12.8 (.)12.7 (3)12.7 (%)12.8 ( and)12.7 ( 3)12.8 (4)12.7 (.)12.7 (4)12.8 (%)12.7 ( of)12.7 ( our)26 ( )]TJ 0.025 Tc 0 Tw T* (total customer deposits, respectively.)Tj 13 0 3.4833 13 140.3981 344.3179 Tm [(\(iv\) )-361.5 (Fees and commission-based products and services)]TJ 0.105 Tc 0.07 Tw 13 0 0 13 170.0787 312.3179 Tm [(We)12 ( offer)12 ( corporate)12.1 ( customers)12.1 ( a)12.1 ( broad)12.1 ( range)12.1 ( of)12 ( fees)12.1 ( and)80 ( )]TJ 0.061 Tc T* [(c)0.6 (o)0.5 (m)0.6 (m)0.5 (i)0.6 (s)0.5 (s)0.6 (i)0.6 (o)0.5 (n)0.6 (-)0.5 (b)0.6 (a)0.5 (s)0.6 (e)0.6 (d)13 ( )0.6 (p)0.5 (r)0.6 (o)0.6 (d)0.5 (u)0.6 (c)0.5 (t)0.6 (s)13 ( )0.6 (a)0.6 (n)0.5 (d)13.1 ( )0.5 (s)0.6 (e)0.6 (r)0.5 (v)0.6 (i)0.5 (c)0.6 (e)0.6 (s)0.5 (,)13.1 ( )0.5 (p)0.6 (r)0.6 (i)0.5 (m)0.6 (a)0.5 (r)0.6 (i)0.5 (l)0.6 (y)13 ( )0.6 (i)0.6 (n)0.5 (c)0.6 (l)0.5 (u)0.6 (d)0.5 (i)0.6 (n)0.6 (g)35.9 ( )]TJ 0.028 Tc 0.08 Tw T* [(wealth)3 ( )0.5 (management)3 ( )0.5 (services,)3 ( )0.5 (entrusted)3 ( )0.5 (loans,)3 ( )0.5 (settlement)3 ( )0.5 (services)3 ( )]TJ 0.025 Tc 0 Tw T* (and consultation and financial advisory services.)Tj 0 -2.462 TD [(\(A\) )-442.5 (Wealth management services)]TJ 0.081 Tc 0.07 Tw 2.181 -2.462 Td [(W)0.6 (e)13 ( )0.6 (o)0.5 (f)0.5 (f)0.6 (e)0.5 (r)13.1 ( )0.5 (c)0.6 (o)0.5 (r)0.6 (p)0.5 (o)0.5 (r)0.6 (a)0.5 (t)0.6 (e)13 ( )0.6 (c)0.5 (u)0.5 (s)0.6 (t)0.5 (o)0.6 (m)0.5 (e)0.6 (r)0.5 (s)13 ( )0.6 (a)13 ( )0.6 (b)0.5 (r)0.6 (o)0.5 (a)0.6 (d)13 ( )0.6 (r)0.5 (a)0.6 (n)0.5 (g)0.5 (e)13.1 ( )0.5 (o)0.5 (f)13.1 ( )0.6 (w)0.5 (e)0.5 (a)0.6 (l)0.5 (t)0.6 (h)56 ( )]TJ 0.102 Tc 0 -1.231 TD [(management)12.1 ( products)12.1 ( based)12.1 ( on)12.1 ( their)12.1 ( risk)12.1 ( and)12.1 ( return)76.9 ( )]TJ 0.025 Tc 0.055 Tw 0 -1.231 TD (preferences. We invest funds from these wealth management )Tj 0.07 Tc 0.07 Tw 0 -1.231 TD [(products)12.5 ( primarily)12.5 ( in)12.5 ( bonds,)12.5 ( interbank)12.5 ( deposits,)12.5 ( money)45 ( )]TJ 0.025 Tc 0 Tw T* (market instruments and other fixed income products.)Tj 0.049 Tc 0.07 Tw 0 -2.462 TD [(For)12.4 ( the)12.4 ( six)12.5 ( months)12.4 ( ended)12.4 ( June)12.5 ( 3)12.4 (0)12.5 (,)12.4 ( 2)12.5 (0)12.4 (1)12.4 (9)12.4 ( and)12.4 ( 2)12.5 (0)12.4 (1)12.4 (8)12.5 (,)12.4 ( wealth)24 ( )]TJ 0.051 Tc 0 -1.231 TD [(management)12.2 ( products)12.2 ( sold)12.2 ( to)12.2 ( corporate)12.3 ( customers)12.2 ( totaled)26 ( )]TJ 0.025 Tc 0 Tw T* (RMB595.7 million and RMB586.1 million, respectively.)Tj ET endstream endobj 152 0 obj <>/Font<>/ProcSet[/PDF/Text]>>/TrimBox[0.0 0.0 595.276 841.89]/Type/Page>> endobj 153 0 obj <>/Font<>/ProcSet[/PDF/Text]>>/TrimBox[0.0 0.0 595.276 841.89]/Type/Page>> endobj 154 0 obj <>/Font<>/ProcSet[/PDF/Text]>>/TrimBox[0.0 0.0 595.276 841.89]/Type/Page>> endobj 155 0 obj <>/Font<>/ProcSet[/PDF/Text]>>/TrimBox[0.0 0.0 595.276 841.89]/Type/Page>> endobj 156 0 obj <>/Font<>/ProcSet[/PDF/Text]>>/TrimBox[0.0 0.0 595.276 841.89]/Type/Page>> endobj 181 0 obj <>stream BT 0 0 0 1 k /Perceptual ri /GS0 gs /T1_0 1 Tf 0.025 Tc 12 0 0 12 281.8878 18.7502 Tm (\226 40 \226)Tj /T1_1 1 Tf 13 0 0 13 85.0394 776.409 Tm [(4. )-1105.5 (Business Review)]TJ 13 0 3.4833 13 112.0517 744.409 Tm [(\(a\) )-664.5 (Corporate banking)]TJ /T1_0 1 Tf 0.062 Tc 0.07 Tw 13 0 0 13 141.7323 712.409 Tm [(We)13 ( offer)13 ( corp)0.5 (orate)13 ( cust)0.5 (omers)12.9 ( )0.5 (a)12.9 ( bro)0.5 (ad)12.9 ( ra)0.5 (nge)12.9 ( o)0.5 (f)12.9 ( fina)0.5 (ncial)13 ( produc)0.5 (ts)37 ( )]TJ 0.038 Tc 0 -1.231 TD [(and)12.4 ( services,)12.5 ( including)12.5 ( loans,)12.4 ( discounted)12.4 ( bills,)12.4 ( deposits)12.5 ( and)12.5 ( fees)12.5 ( and)13 ( )]TJ 0.056 Tc T* [(commission-based)12.2 ( products)12.1 ( and)12.2 ( services.)12.1 ( Our)12.2 ( corporate)12.2 ( customers)31 ( )]TJ 0.044 Tc T* [(primarily)12.2 ( include)12.2 ( government)12.2 ( agencies,)12.2 ( public)12.2 ( organizations,)12.2 ( SOEs,)19 ( )]TJ 0.025 Tc 0.068 Tw T* (private enterprises and foreign-invested enterprises. We are committed )Tj 0 Tw T* (to serving local customers with a focus on small and micro enterprises.)Tj 0.023 Tc 0 -2.462 TD [(In addition, we committed to seeking to develop long-term relationships)-2 ( )]TJ 0.08 Tc 0.07 Tw 0 -1.231 TD [(with)12.1 ( customers)12.2 ( by)12.2 ( closely)12.1 ( monitoring)12.1 ( their)12.2 ( financial)12.2 ( needs)12.1 ( and)55 ( )]TJ 0.025 Tc 0.021 Tw T* (offering tailored financial solutions. As of June 30, 2019, we had 4,122\ )Tj 0.048 Tc 0.07 Tw T* [(c)0.5 (or)0.5 (p)0.5 (or)0.5 (a)0.5 (te)13 ( )0.5 (bo)0.5 (r)0.5 (r)0.5 (ow)0.5 (e)0.5 (rs)13 ( )0.5 (w)0.5 (it)0.5 (h)12.9 ( )0.5 (t)0.5 (ot)0.5 (a)0.5 (l)13 ( l)0.5 (oa)0.5 (n)0.5 (s)13 ( o)0.5 (f)13 ( R)0.5 (M)0.5 (B)12.9 (1)13 (1)13 (3)12.9 (,)13 (2)12.9 (2)13 (4)13 (.)12.9 (3)13 ( )0.5 (mi)0.5 (l)0.5 (li)0.5 (on)0.5 (,)13 ( a)0.5 (n)0.5 (d)23 ( )]TJ 0.025 Tc 0 Tw T* [(7)0.5 (2)0.5 (,4)0.5 (5)0.5 (4)0.5 ( c)0.5 (o)0.5 (r)0.5 (p)0.5 (or)0.5 (a)0.5 (t)0.5 (e)0.5 ( )0.5 (de)0.5 (p)0.5 (o)0.5 (s)0.5 (it)0.5 ( )0.5 (c)0.5 (u)0.5 (st)0.5 (o)0.5 (m)0.5 (e)0.5 (rs)0.5 ( )0.5 (w)0.5 (i)0.5 (t)0.5 (h )0.5 (t)0.5 (o)0.5 (ta)0.5 (l)0.5 ( )0.5 (d)0.5 (e)0.5 (po)0.5 (s)0.5 (i)0.5 (t)0.5 (s )0.5 (o)0.5 (f)0.5 ( R)0.5 (M)0.5 (B)0.5 (7)0.5 (8)0.5 (,5)0.5 (0)0.5 (4)0.5 (.7 )]TJ 0.037 Tc 0.071 Tw T* [(million.)12 ( )0.5 (For)12 ( )0.5 (the)12.1 ( )0.5 (six)12 ( )0.5 (months)12 ( )0.5 (ended)12 ( )0.6 (June)12 ( )0.5 (3)12 (0)12 (,)12.1 ( )0.5 (2)12 (0)12 (1)12 (8)12 ( )0.5 (and)12 ( )0.5 (2)12 (0)12 (1)12 (9)12 (,)12 ( )0.5 (operating)12 ( )]TJ 0.026 Tc 0.082 Tw T* [(income)1 ( )0.5 (from)1 ( )0.5 (our)1.1 ( corporate)1 ( )0.5 (banking)1 ( )0.5 (business)1 ( )0.5 (accounted)1.1 ( )0.5 (for)1 ( )0.5 (4)1 (9)1 (.)1 (6)1 (%)1 ( )0.5 (and)1 ( )]TJ 0.025 Tc 0.025 Tw T* (52.9% of our total operating income, respectively. The table below sets \ )Tj 0.004 Tw T* (forth the financial performance of our corporate banking for the periods\ )Tj -0.025 Tw T* (indicated.)Tj /T1_1 1 Tf 0.024 Tc 0 Tw 11.7 0 0 13 141.7322 408.409 Tm (\(Expressed in millions of RMB,)Tj 0.025 Tc T* (unless otherwise stated\))Tj 18.246 2.462 Td (Six months ended June 30,)Tj -0.025 Tw 0.03 -2.462 Td (2019)Tj /T1_0 1 Tf 6.784 0 Td (2018)Tj 4.247 1.231 Td (Percentage)Tj 1.655 -1.231 Td (change)Tj 11.7 0 3.4833 13 519.1255 376.409 Tm (\(%\))Tj 0 Tw 11.7 0 0 13 141.7322 344.409 Tm (External interest income, net)Tj -0.025 Tw 6.8211 0 0 7.579 284.7394 349.609 Tm (\(1\))Tj /T1_1 1 Tf 11.7 0 0 13 342.9875 344.409 Tm (2,549.8 )Tj /T1_0 1 Tf 6.784 0 Td (2,744.3)Tj 8.251 0 Td (\(7.1\))Tj 0 Tw -32.236 -1.231 Td (Inter-segment interest )Tj 0 Tc 11.7 0 0 13 253.7346 328.409 Tm ( )Tj 0.025 Tc 11.7 0 0 13 150.2361 312.409 Tm (expenses, net)Tj -0.025 Tw 6.8211 0 0 7.579 216.422 317.609 Tm (\(2\))Tj /T1_1 1 Tf 11.7 0 0 13 347.8665 312.409 Tm (\(585.8\))Tj /T1_0 1 Tf 6.784 0 Td (\(615.4\))Tj 7.834 0 Td (\(4.8\))Tj 0 Tw -32.236 -1.231 Td (Net interest income)Tj /T1_1 1 Tf -0.025 Tw 17.201 0 Td (1,964.0 )Tj /T1_0 1 Tf 6.784 0 Td (2,128.9)Tj 8.251 0 Td (\(7.7\))Tj 0 Tw -32.236 -1.231 Td (Net fees and commission income)Tj /T1_1 1 Tf -0.025 Tw 18.526 0 Td (75.6 )Tj /T1_0 1 Tf 6.784 0 Td (54.7)Tj 6.784 0 Td (38.2 )Tj /T1_1 1 Tf 0 Tw -32.094 -1.231 Td (Operating income)Tj -0.025 Tw 17.201 0 Td (2,039.6 )Tj /T1_0 1 Tf 6.784 0 Td (2,183.6)Tj 8.251 0 Td (\(6.6\))Tj ET 0 0 0 1 K 2.5 w q 1 0 0 1 311.8109 258.8445 cm 0 0 m 68.031 0 l S Q 0.835 w q 1 0 0 1 311.8109 255.5119 cm 0 0 m 68.031 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 11.7 0 0 13 373.4074 256.7454 Tm ( )Tj ET 2.5 w q 1 0 0 1 391.181 258.8445 cm 0 0 m 68.032 0 l S Q 0.835 w q 1 0 0 1 391.181 255.5119 cm 0 0 m 68.031 0 l S Q BT /T1_0 1 Tf 11.7 0 0 13 452.7775 256.7454 Tm ( )Tj ET 2.5 w q 1 0 0 1 470.5511 258.8445 cm 0 0 m 68.032 0 l S Q 0.835 w q 1 0 0 1 470.5511 255.5119 cm 0 0 m 68.032 0 l S Q BT 11.7 0 0 13 532.1476 256.7454 Tm ( )Tj 0.025 Tc -33.369 -2.462 Td (Operating expenses)Tj /T1_1 1 Tf -0.025 Tw 17.618 0 Td (\(496.9\))Tj /T1_0 1 Tf 6.784 0 Td (\(423.3\))Tj 7.692 0 Td (17.4 )Tj 0 Tw -32.094 -1.231 Td (Impairment losses on assets)Tj /T1_1 1 Tf -0.025 Tw 16.818 0 Td (\(1,848.6\))Tj /T1_0 1 Tf 7.584 0 Td (\(319.8\))Tj 7.167 0 Td (478.0 )Tj 0 Tw -31.569 -1.231 Td (Operating \(loss\)/profit)Tj /T1_1 1 Tf -0.025 Tw 17.618 0 Td (\(305.9\))Tj /T1_0 1 Tf 6.367 0 Td (1,440.5)Tj 7.201 0 Td (\(121.2\))Tj ET 0.5 w q 1 0 0 1 311.8109 188.3354 cm 0 0 m 68.031 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 11.7 0 0 13 373.4074 189.7364 Tm ( )Tj ET q 1 0 0 1 391.1809 188.3354 cm 0 0 m 68.032 0 l S Q BT /T1_0 1 Tf 11.7 0 0 13 452.7775 189.7364 Tm ( )Tj ET q 1 0 0 1 470.551 188.3354 cm 0 0 m 68.032 0 l S Q BT 11.7 0 0 13 532.1475 189.7364 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -33.369 -2.462 Td (\(Loss\)/Profit before tax)Tj -0.025 Tw 17.618 0 Td (\(305.9\))Tj /T1_0 1 Tf 6.367 0 Td (1,440.5)Tj 7.201 0 Td (\(121.2\))Tj ET 2.5 w q 1 0 0 1 311.8108 152.1719 cm 0 0 m 68.031 0 l S Q 0.835 w q 1 0 0 1 311.8108 148.8394 cm 0 0 m 68.031 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 11.7 0 0 13 373.4073 150.0728 Tm ( )Tj ET 2.5 w q 1 0 0 1 391.1809 152.1719 cm 0 0 m 68.032 0 l S Q 0.835 w q 1 0 0 1 391.1809 148.8394 cm 0 0 m 68.031 0 l S Q BT /T1_0 1 Tf 11.7 0 0 13 452.7774 150.0728 Tm ( )Tj ET 2.5 w q 1 0 0 1 470.5509 152.1719 cm 0 0 m 68.032 0 l S Q 0.835 w q 1 0 0 1 470.5509 148.8394 cm 0 0 m 68.032 0 l S Q BT 11.7 0 0 13 532.1475 150.0728 Tm ( )Tj 0.025 Tc -0.025 Tw 11 0 2.9474 11 140.6031 121.7238 Tm (Notes:)Tj 6.413 0 0 6.413 141.732 98.1238 Tm (\(1\))Tj 0 Tw 11 0 0 11 149.6904 93.7238 Tm [( )-1578.5 (Represents net income and expenses from third parties.)]TJ -0.025 Tw 6.413 0 0 6.413 141.732 70.1238 Tm (\(2\) )Tj 0 Tw 11 0 0 11 170.0785 65.7238 Tm (Represents inter-segment expenses and consideration of transfer.)Tj ET endstream endobj 180 0 obj <>stream BT 0 0 0 1 k /Perceptual ri /GS0 gs /T1_0 1 Tf 0.025 Tc 12 0 0 12 281.8878 18.7502 Tm (\226 39 \226)Tj /T1_1 1 Tf 13 0 3.4833 13 112.0517 776.409 Tm [(\(e\) )-720.5 (Off-balance sheet commitments)]TJ /T1_0 1 Tf 0.011 Tw 13 0 0 13 141.7323 744.409 Tm (Off-balance sheet commitments primarily consist of loan commitments, )Tj 0.042 Tc 0.07 Tw 0 -1.231 TD [(bank)12.5 ( acceptances,)12.6 ( letters)12.5 ( of)12.5 ( guarantee,)12.6 ( operating)12.6 ( lease)12.6 ( commitments)17 ( )]TJ T* [(and)12.2 ( capital)12.3 ( commitments.)12.2 ( The)12.3 ( table)12.2 ( below)12.2 ( sets)12.2 ( forth)12.2 ( our)12.2 ( contractual)17 ( )]TJ 0.025 Tc 0 Tw T* (amounts of off-balance sheet commitments as of the dates indicated.)Tj /T1_1 1 Tf 12.35 0 0 13 141.7323 648.4089 Tm (\(Expressed in millions of RMB,)Tj T* (unless otherwise stated\))Tj 22.954 2.462 Td (As of )Tj -1.437 -1.231 Td (June 30, )Tj -0.025 Tw 1.656 -1.231 Td (2019)Tj /T1_0 1 Tf 0 Tw 6.667 2.462 Td (As of )Tj -3.59 -1.231 Td (December 31, )Tj -0.025 Tw 3.809 -1.231 Td (2018)Tj /T1_1 1 Tf 0 Tw -30.059 -2.462 Td (Credit commitments:)Tj /T1_0 1 Tf 0.689 -1.231 Td (Bank acceptances)Tj -0.025 Tw 7.2 0 0 7.579 243.3041 589.6089 Tm (\(1\))Tj /T1_1 1 Tf 12.35 0 0 13 408.1571 584.4089 Tm (26,374.9 )Tj /T1_0 1 Tf 6.886 0 Td (26,418.1)Tj 0 Tw -27.77 -1.231 Td (Letters of guarantee)Tj -0.025 Tw 7.2 0 0 7.579 255.1725 573.6089 Tm (\(2\))Tj /T1_1 1 Tf 12.35 0 0 13 414.6408 568.4089 Tm (1,153.0 )Tj /T1_0 1 Tf 7.686 0 Td (721.5)Tj 0 Tw -29.095 -1.231 Td (Unused credit card commitments)Tj /T1_1 1 Tf -0.025 Tw 22.209 0 Td (381.7 )Tj /T1_0 1 Tf 6.886 0 Td (359.2)Tj ET 0 0 0 1 K 0.5 w q 1 0 0 1 379.8425 547.9989 cm 0 0 m 73.701 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 12.35 0 0 13 446.7509 549.3999 Tm ( )Tj ET q 1 0 0 1 464.8819 547.9989 cm 0 0 m 73.701 0 l S Q BT /T1_0 1 Tf 12.35 0 0 13 531.7902 549.3999 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -0.025 Tw -31.584 -2.462 Td (Subtotal)Tj 21.573 0 Td (27,909.6)Tj /T1_0 1 Tf 6.886 0 Td (27,498.8)Tj ET q 1 0 0 1 379.8425 512.9898 cm 0 0 m 73.701 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 12.35 0 0 13 446.7509 514.3908 Tm ( )Tj ET q 1 0 0 1 464.8819 512.9898 cm 0 0 m 73.701 0 l S Q BT /T1_0 1 Tf 12.35 0 0 13 531.7902 514.3908 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -31.584 -2.462 Td (Operating lease commitments)Tj -0.025 Tw 23.423 0 Td (34.3 )Tj /T1_0 1 Tf 6.361 0 Td (320.1)Tj /T1_1 1 Tf 0 Tw -29.784 -1.231 Td (Capital commitments)Tj -0.025 Tw 23.948 0 Td (9.4 )Tj /T1_0 1 Tf 6.361 0 Td (38.7)Tj ET q 1 0 0 1 379.8425 461.9808 cm 0 0 m 73.701 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 12.35 0 0 13 446.7509 463.3818 Tm ( )Tj ET q 1 0 0 1 464.8819 461.9808 cm 0 0 m 73.701 0 l S Q BT /T1_0 1 Tf 12.35 0 0 13 531.7902 463.3818 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -0.025 Tw -31.584 -2.462 Td (Total)Tj 21.573 0 Td (27,953.3)Tj /T1_0 1 Tf 6.886 0 Td (27,857.6)Tj ET 2.5 w q 1 0 0 1 379.8425 425.8172 cm 0 0 m 73.701 0 l S Q 0.835 w q 1 0 0 1 379.8426 422.4847 cm 0 0 m 73.701 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 12.35 0 0 13 446.7509 423.7182 Tm ( )Tj ET 2.5 w q 1 0 0 1 464.882 425.8172 cm 0 0 m 73.701 0 l S Q 0.835 w q 1 0 0 1 464.882 422.4847 cm 0 0 m 73.701 0 l S Q BT /T1_0 1 Tf 12.35 0 0 13 531.7902 423.7182 Tm ( )Tj 0.025 Tc -0.025 Tw 11 0 2.9474 11 140.6035 395.3692 Tm (Notes:)Tj 6.413 0 0 6.413 141.7323 371.7693 Tm (\(1\))Tj 0.042 Tc 0.07 Tw 11 0 0 11 149.6907 367.3693 Tm [( )-1491.5 (Bank)12.2 ( acceptances)12.3 ( refer)12.3 ( to)12.3 ( our)12.3 ( undertakings)12.3 ( to)12.3 ( pay)12.3 ( bank)12.3 ( bills)12.3 ( drawn)12.3 ( on)12.2 ( our)17 ( )]TJ 0.025 Tc -0.025 Tw 1.853 -1.273 Td (customers.)Tj 6.413 0 0 6.413 141.7323 329.7693 Tm (\(2\))Tj 0.058 Tc 0.07 Tw 11 0 0 11 149.6907 325.3693 Tm [( )-1475.5 (We)12.9 ( issue)12.9 ( letters)12.9 ( of)12.8 ( credit)12.9 ( and)12.9 ( guarantee)12.9 ( to)12.8 ( third)12.9 ( parties)12.8 ( to)12.9 ( guarantee)12.9 ( our)33 ( )]TJ 0.025 Tc 0 Tw 1.853 -1.273 Td (customers\222 contractual obligations.)Tj 0.034 Tc 0.074 Tw 13 0 0 13 141.7323 279.3693 Tm [(Off-balance)9 ( )0.5 (sheet)9 ( )0.5 (commitments)9 ( )0.5 (increase)9 ( )0.6 (by)9 ( )0.5 (0)9 (.)9 (3)9 (%)9 ( )0.5 (from)9 ( )0.5 (RMB)9 (2)9 (7)9 (,)9 (8)9 (5)9 (7)9 (.)9 (6)9 ( )]TJ 0.039 Tc 0.07 Tw T* [(million)12.4 ( as)12.4 ( of)12.4 ( December)12.4 ( 3)12.4 (1)12.4 (,)12.4 ( 2)12.4 (0)12.4 (1)12.4 (8)12.4 ( to)12.4 ( RMB)12.4 (2)12.4 (7)12.4 (,)12.4 (9)12.4 (5)12.4 (3)12.4 (.)12.4 (3)12.4 ( million)12.4 ( as)12.4 ( of)12.4 ( June)14 ( )]TJ 0.062 Tc T* [(3)12.5 (0)12.5 (,)12.5 ( 2)12.5 (0)12.5 (1)12.5 (9)12.5 (.)12.5 ( The)12.6 ( off-balance)12.5 ( sheet)12.5 ( commitments)12.5 ( remained)12.5 ( relatively)37 ( )]TJ 0.025 Tc -0.025 Tw T* (stable.)Tj ET endstream endobj 179 0 obj <>stream BT 0 0 0 1 k /Perceptual ri /GS0 gs /T1_0 1 Tf 0.025 Tc 12 0 0 12 281.8878 18.7502 Tm (\226 38 \226)Tj /T1_1 1 Tf 13 0 3.4833 13 112.0517 776.409 Tm [(\(d\) )-608.5 (Segments information)]TJ /T1_0 1 Tf 2.84 -2.462 Td [(\(i\) )-886.5 (Summary of business segment)]TJ 0.038 Tc 0.07 Tw 13 0 0 13 170.0787 712.409 Tm [(W)0.5 (e)13 ( o)0.5 (pe)0.5 (r)0.5 (at)0.5 (e)13 ( t)0.5 (h)0.5 (re)0.5 (e)13 ( p)0.5 (r)0.5 (in)0.5 (ci)0.5 (p)0.5 (al)13 ( )0.5 (li)0.5 (ne)0.5 (s)13 ( o)0.5 (f)13 ( b)0.5 (u)0.5 (si)0.5 (ne)0.5 (s)0.5 (s)0.5 (:)12.9 ( )0.5 (co)0.5 (r)0.5 (po)0.5 (r)0.5 (at)0.5 (e)13 ( b)0.5 (an)0.5 (k)0.5 (in)0.5 (g,)13 ( )]TJ 0.041 Tc 0 -1.231 TD [(retail)12.6 ( banking)12.7 ( and)12.7 ( financial)12.7 ( market)12.7 ( operations.)12.7 ( The)12.8 ( table)12.7 ( below)16 ( )]TJ 0.025 Tc 0.073 Tw T* (sets forth the operating income for each of our principal business )Tj 0 Tw T* (segments for the periods indicated.)Tj /T1_1 1 Tf 10.4 0 0 13 170.0787 616.409 Tm (\(Expressed in millions of RMB,)Tj T* (unless otherwise stated\))Tj 19.094 2.462 Td (Six months ended June 30,)Tj -0.025 Tw -0.507 -1.231 Td (2019)Tj /T1_0 1 Tf 10.902 0 Td (2018)Tj /T1_1 1 Tf -14.035 -1.231 Td (Amount)Tj 0 Tw 4.574 0 Td (% of total)Tj /T1_0 1 Tf -0.025 Tw 6.55 0 Td (Amount)Tj 0 Tw 4.685 0 Td (% of total)Tj -0.025 Tw 10.4 0 3.4833 13 407.7534 584.409 Tm (\(%\))Tj 10.902 0 Td (\(%\))Tj 0 Tw 10.4 0 0 13 170.0787 552.409 Tm (Corporate banking)Tj /T1_1 1 Tf -0.025 Tw 15.929 0 Td (2,039.6 )Tj 6.776 0 Td (52.9)Tj /T1_0 1 Tf 4.126 0 Td (2,183.6 )Tj 6.776 0 Td (49.6)Tj 0 Tw -33.608 -1.231 Td (Retail banking)Tj /T1_1 1 Tf -0.025 Tw 16.729 0 Td (757.2 )Tj 5.976 0 Td (19.6)Tj /T1_0 1 Tf 4.926 0 Td (487.5 )Tj 5.976 0 Td (11.1)Tj 0 Tw -33.608 -1.231 Td (Financial market operations)Tj /T1_1 1 Tf -0.025 Tw 15.929 0 Td (1,047.1 )Tj 6.776 0 Td (27.1)Tj /T1_0 1 Tf 4.126 0 Td (1,548.6 )Tj 6.776 0 Td (35.1)Tj -33.608 -1.231 Td (Others)Tj 6.0632 0 0 7.579 199.3646 509.609 Tm (\(1\))Tj /T1_1 1 Tf 10.4 0 0 13 349.5239 504.409 Tm (14.0)Tj 5.976 0 Td (0.4)Tj /T1_0 1 Tf 4.401 0 Td (183.3 )Tj 6.501 0 Td (4.2)Tj ET 0 0 0 1 K 0.5 w q 1 0 0 1 323.1496 499.9989 cm 0 0 m 45.354 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 10.4 0 0 13 362.784 501.3998 Tm ( )Tj ET q 1 0 0 1 379.8425 499.9989 cm 0 0 m 45.354 0 l S Q BT 10.4 0 0 13 419.4769 501.3998 Tm ( )Tj ET q 1 0 0 1 436.5354 499.9989 cm 0 0 m 45.354 0 l S Q BT /T1_0 1 Tf 10.4 0 0 13 476.1698 501.3998 Tm ( )Tj ET q 1 0 0 1 493.2283 499.9989 cm 0 0 m 45.354 0 l S Q BT 10.4 0 0 13 532.8627 501.3998 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -34.883 -2.462 Td (Total operating income)Tj -0.025 Tw 15.929 0 Td (3,857.9)Tj 6.251 0 Td (100.0)Tj /T1_0 1 Tf 4.651 0 Td (4,403.0 )Tj 6.251 0 Td (100.0)Tj ET 2.5 w q 1 0 0 1 323.1495 463.8353 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 323.1495 460.5028 cm 0 0 m 45.354 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 10.4 0 0 13 362.7839 461.7363 Tm ( )Tj ET 2.5 w q 1 0 0 1 379.8424 463.8353 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 379.8424 460.5028 cm 0 0 m 45.354 0 l S Q BT 10.4 0 0 13 419.4768 461.7363 Tm ( )Tj ET 2.5 w q 1 0 0 1 436.5354 463.8353 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 436.5354 460.5028 cm 0 0 m 45.354 0 l S Q BT /T1_0 1 Tf 10.4 0 0 13 476.1697 461.7363 Tm ( )Tj ET 2.5 w q 1 0 0 1 493.2283 463.8353 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 493.2283 460.5028 cm 0 0 m 45.354 0 l S Q BT 10.4 0 0 13 532.8626 461.7363 Tm ( )Tj 0.025 Tc -0.025 Tw 11 0 2.9474 11 168.9497 433.3872 Tm (Note:)Tj 6.413 0 0 6.413 170.0786 409.7872 Tm (\(1\))Tj 0.067 Tc 0.07 Tw 11 0 0 11 178.037 405.3872 Tm [( )-1466.5 (Primarily)12.9 ( represent)12.9 ( assets,)12.8 ( liabilities,)12.9 ( income)12.9 ( and)12.9 ( expenses)12.9 ( which)42 ( )]TJ 0.025 Tc 0.073 Tw 1.853 -1.273 Td (cannot be directly attributable or cannot be allocated to a segment on a\ )Tj 0 Tw 0 -1.273 TD (reasonable basis.)Tj 13 0 3.4833 13 140.398 345.3872 Tm [(\(ii\) )-583.5 (Summary of geographical segment information)]TJ 0.027 Tc 0.081 Tw 13 0 0 13 170.0786 313.3872 Tm [(No)2 ( )0.5 (geographical)2 ( )0.5 (information)2 ( )0.5 (is)2 ( )0.5 (presented)2 ( )0.5 (as)2.1 ( most)2 ( )0.5 (of)2 ( the)2 ( )0.5 (Group\222s)2 ( )]TJ 0.025 Tc 0.072 Tw 0 -1.231 TD (operations are conducted and all non-current assets are located in )Tj 0.041 Tw T* (Gansu Province of the PRC and therefore revenue is derived from )Tj 0 Tw 0 -1.231 TD (activities in Gansu province of the PRC.)Tj ET endstream endobj 178 0 obj <>stream BT 0 0 0 1 k /Perceptual ri /GS0 gs /T1_0 1 Tf 0.025 Tc 12 0 0 12 281.8878 18.7502 Tm (\226 37 \226)Tj 0.032 Tc 0.076 Tw 13 0 0 13 198.4252 776.3179 Tm [(The)7 ( )0.5 (non-performing)7 ( )0.5 (loan)7 ( )0.5 (ratio)7 ( )0.5 (of)7 ( )0.5 (corporate)7 ( )0.5 (loans)7 ( )0.5 (decreased)7 ( )]TJ 0.025 Tc 0.05 Tw 0 -1.231 TD (from 2.83% as of December 31, 2018 to 2.2% as of June 30, )Tj 0 Tw T* (2019, representing a decrease of 0.63 percentage point.)Tj 0.066 Tw 0 -2.462 TD (The non-performing loan ratio of retail loans increased from )Tj 0.05 Tc 0.083 Tw 0 -1.231 TD [(1.73% )0.5 (a)-12.6 (s o)-12.5 (f D)-12.5 (e)-12.6 (c)-12.5 (e)-12.5 (m)-12.6 (b)-12.6 (e)-12.5 (r 31, )0.5 (2018 )0.5 (t)-12.6 (o )0.5 (3.01% a)-12.5 (s )0.5 (o)-12.6 (f J)-12.5 (u)-12.6 (n)-12.6 (e 30,)25 ( )]TJ 0.025 Tc 0 Tw T* (2019, representing an increase of 1.28 percentage points.)Tj -2.181 -2.462 Td [(\(D\) )-442.5 (Loan aging schedule)]TJ 0.026 Tc 0.082 Tw 2.181 -2.462 Td [(The)1 ( )0.5 (table)1 ( )0.5 (below)1.1 ( )0.5 (sets)1 ( )0.5 (forth)1 ( )0.5 (the)1 ( )0.5 (loan)1 ( )0.5 (aging)1 ( )0.5 (schedule)1 ( )0.5 (for)1 ( )0.5 (loans)1 ( )]TJ 0.025 Tc 0 Tw T* (and advances to customers as of the dates indicated.)Tj /T1_1 1 Tf 0.01 Tc 9.1 0 0 13 198.4252 568.3179 Tm (\(Expressed in millions of )Tj 0.005 Tc T* (RMB, unless otherwise stated\))Tj 0.025 Tc 14.963 1.231 Td (As of June 30, 2019)Tj /T1_0 1 Tf 11.384 0 Td (As of December 31, 2018)Tj /T1_1 1 Tf -0.025 Tw -11.282 -1.231 Td (Amount)Tj 0 Tw 5.353 0 Td (% of total)Tj /T1_0 1 Tf -0.025 Tw 7.329 0 Td (Amount)Tj 0 Tw 5.464 0 Td (% of total)Tj -0.025 Tw 9.1 0 3.4833 13 409.767 536.3179 Tm (\(%\))Tj 12.46 0 Td (\(%\))Tj /T1_1 1 Tf 0 Tw 9.1 0 0 13 198.4252 504.3179 Tm (Loans not overdue)Tj -0.025 Tw 14.49 0 Td (156,465.1 )Tj 8.605 0 Td (91.6)Tj /T1_0 1 Tf 3.855 0 Td (149,847.3)Tj 8.605 0 Td (93.2)Tj ET 0 0 0 1 K 0.5 w q 1 0 0 1 323.1497 499.9078 cm 0 0 m 45.354 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 9.1 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7.28 0 Td (0.1)Tj ET q 1 0 0 1 323.1498 400.8978 cm 0 0 m 45.354 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 9.1 0 0 13 363.4991 402.2988 Tm ( )Tj ET q 1 0 0 1 379.8427 400.8978 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 420.192 402.2988 Tm ( )Tj ET q 1 0 0 1 436.5356 400.8978 cm 0 0 m 45.354 0 l S Q BT /T1_0 1 Tf 9.1 0 0 13 476.885 402.2988 Tm ( )Tj ET q 1 0 0 1 493.2285 400.8978 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 533.5779 402.2988 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -0.025 Tw -36.83 -2.462 Td (Subtotal)Tj 15.015 0 Td (14,361.0)Tj 8.605 0 Td (8.4)Tj /T1_0 1 Tf 3.855 0 Td (11,038.0)Tj 8.605 0 Td (6.8)Tj ET q 1 0 0 1 323.1498 365.8888 cm 0 0 m 45.354 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 9.1 0 0 13 363.4992 367.2898 Tm ( )Tj ET q 1 0 0 1 379.8427 365.8888 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 420.1921 367.2898 Tm ( )Tj ET q 1 0 0 1 436.5357 365.8888 cm 0 0 m 45.354 0 l S Q BT /T1_0 1 Tf 9.1 0 0 13 476.885 367.2898 Tm ( )Tj ET q 1 0 0 1 493.2286 365.8888 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 533.5779 367.2898 Tm ( 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(t)0.5 (h)0.6 (e)0.5 (s)0.6 (e)55 ( )]TJ 0.063 Tc T* [(borrowers.)12.1 ( All)12.1 ( of)12.1 ( these)12.1 ( loans)12.1 ( were)12.1 ( classified)12.1 ( as)12 ( normal,)38 ( )]TJ 0.025 Tc 0.063 Tw T* [(except )0.5 (those granted )0.5 (to two )0.5 (borrowers )0.5 (which )0.5 (were )0.5 (classified )]TJ 0 Tw 0 -1.231 TD (as below normal.)Tj /T1_1 1 Tf 9.1 0 0 13 198.4252 632.3179 Tm (\(Expressed in millions of RMB, )Tj 0 -1.231 TD (unless otherwise stated\))Tj 25.242 0 Td (As of June 30, 2019 )Tj -0.025 Tw -25.242 -3.692 Td (Customers)Tj 0 Tw 7.164 0 Td (Industries involved)Tj -0.025 Tw 15.377 0 Td (Amount)Tj 0 Tw 7.074 1.231 Td (% of )Tj -2.509 -1.231 Td (total loans)Tj 8.116 2.462 Td (% of )Tj -0.025 Tw -2.566 -1.231 Td (regulatory)Tj 1.685 -1.231 Td (capital)Tj /T1_0 1 Tf 9.1 0 3.4833 13 472.1292 552.3179 Tm (\(%\))Tj 5.607 0 Td (\(%\))Tj 0 Tw 9.1 0 0 13 198.4252 520.3179 Tm (Borrower A)Tj -0.025 Tw 7.164 0 Td (Manufacturing)Tj /T1_1 1 Tf 15.851 0 Td (2,100.0)Tj 7.457 0 Td (1.2)Tj 5.607 0 Td (7.2)Tj /T1_0 1 Tf 0 Tw -36.08 -1.231 Td (Borrower B)Tj -0.025 Tw 7.164 0 Td (Manufacturing)Tj /T1_1 1 Tf 15.851 0 Td (1,594.8)Tj 7.457 0 Td (0.9)Tj 5.607 0 Td (5.5)Tj /T1_0 1 Tf 0 Tw -36.08 -1.231 Td (Borrower C)Tj -0.025 Tw 7.164 0 Td (Financial)Tj /T1_1 1 Tf 15.851 0 Td (1,000.0)Tj 7.457 0 Td (0.6)Tj 5.607 0 Td (3.4)Tj /T1_0 1 Tf 0 Tw -36.08 -1.231 Td (Borrower D)Tj 7.164 0 Td (Leasing and business services)Tj /T1_1 1 Tf -0.025 Tw 15.851 0 Td (1,000.0)Tj 7.457 0 Td (0.6)Tj 5.607 0 Td (3.4)Tj /T1_0 1 Tf 0 Tw -36.08 -1.231 Td (Borrower E)Tj -0.025 Tw 7.164 0 Td (Manufacturing)Tj /T1_1 1 Tf 16.651 0 Td (996.5)Tj 6.657 0 Td (0.6)Tj 5.607 0 Td (3.4)Tj /T1_0 1 Tf 0 Tw -36.08 -1.231 Td (Borrower F)Tj 7.164 0 Td (Real estate)Tj /T1_1 1 Tf -0.025 Tw 16.651 0 Td (980.0)Tj 6.657 0 Td (0.6)Tj 5.607 0 Td (3.4)Tj /T1_0 1 Tf 0 Tw -36.08 -1.231 Td (Borrower G)Tj -0.025 Tw 7.164 0 Td (Manufacturing)Tj /T1_1 1 Tf 16.651 0 Td (970.0)Tj 6.657 0 Td (0.6)Tj 5.607 0 Td (3.3)Tj /T1_0 1 Tf 0 Tw -36.08 -1.231 Td (Borrower H)Tj -0.025 Tw 7.164 0 Td (Mining)Tj /T1_1 1 Tf 16.651 0 Td (950.0)Tj 6.657 0 Td (0.6)Tj 5.607 0 Td (3.3)Tj /T1_0 1 Tf 0 Tw -36.08 -1.231 Td (Borrower I)Tj 7.164 0 Td (Real estate)Tj /T1_1 1 Tf -0.025 Tw 16.651 0 Td (925.5)Tj 6.657 0 Td (0.5)Tj 5.607 0 Td (3.2)Tj /T1_0 1 Tf 0 Tw -36.08 -1.231 Td (Borrower J)Tj 7.164 0 Td (Electricity, heating power, gas )Tj T* (and water production and supply)Tj /T1_1 1 Tf -0.025 Tw 16.651 0 Td (920.0)Tj 6.657 0 Td (0.5)Tj 5.607 0 Td (3.2)Tj ET 0 0 0 1 K 0.5 w q 1 0 0 1 396.851 355.9078 cm 0 0 m 39.685 0 l S Q BT 0 Tc 0 Tw 9.1 0 0 13 431.5311 357.3088 Tm ( )Tj ET q 1 0 0 1 447.8746 355.9078 cm 0 0 m 39.685 0 l S Q BT 9.1 0 0 13 482.5547 357.3088 Tm ( )Tj ET q 1 0 0 1 498.8983 355.9078 cm 0 0 m 39.685 0 l S Q BT 9.1 0 0 13 533.5784 357.3088 Tm ( )Tj 0.025 Tc -0.025 Tw -36.83 -2.462 Td (Total)Tj 22.491 0 Td (11,436.8)Tj 7.982 0 Td (6.7)Tj 5.082 0 Td (39.2)Tj ET 2.5 w q 1 0 0 1 396.8511 319.7443 cm 0 0 m 39.685 0 l S Q 0.835 w q 1 0 0 1 396.8511 316.4118 cm 0 0 m 39.685 0 l S Q BT 0 Tc 0 Tw 9.1 0 0 13 431.5312 317.6453 Tm ( )Tj ET 2.5 w q 1 0 0 1 447.8748 319.7443 cm 0 0 m 39.685 0 l S Q 0.835 w q 1 0 0 1 447.8748 316.4118 cm 0 0 m 39.685 0 l S Q BT 9.1 0 0 13 482.5548 317.6453 Tm ( )Tj ET 2.5 w q 1 0 0 1 498.8984 319.7443 cm 0 0 m 39.685 0 l S Q 0.835 w q 1 0 0 1 498.8984 316.4118 cm 0 0 m 39.685 0 l S Q BT 9.1 0 0 13 533.5785 317.6453 Tm ( )Tj ET endstream endobj 185 0 obj <>stream BT 0 0 0 1 k /Perceptual ri /GS0 gs /T1_0 1 Tf 0.025 Tc 12 0 0 12 281.8878 18.7502 Tm (\226 34 \226)Tj 0.061 Tc 0.07 Tw 13 0 0 13 198.4252 776.3179 Tm [(Loans)12.9 ( to)12.8 ( borrowers)12.9 ( in)12.9 ( the)12.9 ( manufacturing,)12.9 ( wholesale)12.9 ( and)36 ( )]TJ 0.09 Tc 0 -1.231 TD [(retail,)12.1 ( real)12.2 ( estate,)12.2 ( construction)12.1 ( and)12.1 ( mining)12.1 ( industries)65 ( )]TJ 0.035 Tc 0.073 Tw T* [(represented)10 ( )0.5 (the)10 ( )0.5 (largest)10 ( )0.5 (components)10 ( )0.5 (of)10 ( )0.5 (the)10 ( )0.5 (Bank\222s)10 ( )0.5 (corporate)10 ( )]TJ 0.025 Tc 0.028 Tw T* (loan portfolio. Loans to these industries accounted for 66.4% )Tj 0.017 Tw T* (and 67.87% of total corporate loans as of December 31, 2018 )Tj 0 Tw T* (and June 30, 2019, respectively.)Tj 0.128 Tc 0.07 Tw 0 -2.462 TD [(As)12.8 ( of)12.7 ( June)12.7 ( 3)12.7 (0)12.7 (,)12.7 ( 2)12.7 (0)12.8 (1)12.7 (9)12.7 (,)12.7 ( non-performing)12.7 ( loans)12.7 ( of)12.7 ( the)103 ( )]TJ 0.065 Tc 0 -1.231 TD [(Bank\222s)12.1 ( corporate)12.2 ( loans)12.1 ( were)12.2 ( mainly)12.2 ( concentrated)12.1 ( in)12.1 ( the)40 ( )]TJ 0.033 Tc 0.075 Tw T* [(manufacturing)8 ( )0.5 (industry)8 ( )0.5 (with)8 ( )0.5 (a)8 ( )0.5 (non-performing)8 ( )0.5 (loan)8 ( )0.5 (ratio)8 ( )0.5 (of)8 ( )]TJ 0.025 Tc -0.025 Tw T* (8.11%.)Tj 0 Tw -2.181 -2.462 Td [(\(B\) )-497.5 (Borrower concentration)]TJ 2.181 -2.462 Td (Indicators of concentration)Tj /T1_1 1 Tf 9.1 0 0 13 198.4252 488.3179 Tm (Major regulatory indicators)Tj -0.025 Tw 18.049 1.231 Td (Regulatory )Tj 0.993 -1.231 Td (standard)Tj 0 Tw 8.568 2.462 Td (As of )Tj -1.437 -1.231 Td (June 30, )Tj -0.025 Tw 1.656 -1.231 Td (2019)Tj /T1_0 1 Tf 0 Tw 6.634 2.462 Td (As of )Tj -3.59 -1.231 Td (December 31, )Tj -0.025 Tw 3.809 -1.231 Td (2018)Tj 0 Tw -34.682 -2.462 Td (Loan concentration ratio for the largest )Tj 0.934 -1.231 Td (single customer )Tj -0.025 Tw 9.1 0 3.4833 13 268.8848 440.3179 Tm (\(%\))Tj /C0_0 1 Tf 0 Tc 0 Tw 9.1 0 0 13 388.3964 440.3179 Tm <00D9>Tj /T1_0 1 Tf 0.025 Tc -0.025 Tw 1.15 0 Td (10)Tj /T1_1 1 Tf 6.053 0 Td (7.20)Tj /T1_0 1 Tf 6.853 0 Td (4.22)Tj 0 Tw -34.932 -1.231 Td (Loan concentration ratio for the top ten )Tj -0.025 Tw 0.934 -1.231 Td (customers )Tj 9.1 0 3.4833 13 247.0449 408.3179 Tm (\(%\))Tj /C0_0 1 Tf 0 Tc 0 Tw 9.1 0 0 13 388.3964 408.3179 Tm <00D9>Tj /T1_0 1 Tf 0.025 Tc -0.025 Tw 1.15 0 Td (50)Tj /T1_1 1 Tf 5.528 0 Td (39.20)Tj /T1_0 1 Tf 6.853 0 Td (31.00)Tj ET 0 0 0 1 K 2.5 w q 1 0 0 1 357.1653 402.7534 cm 0 0 m 51.024 0 l S Q 0.835 w q 1 0 0 1 357.1653 399.4208 cm 0 0 m 51.024 0 l S Q BT 0 Tc 0 Tw 9.1 0 0 13 403.1839 400.6544 Tm ( )Tj ET 2.5 w q 1 0 0 1 419.5275 402.7534 cm 0 0 m 51.024 0 l S Q 0.835 w q 1 0 0 1 419.5275 399.4208 cm 0 0 m 51.024 0 l S Q BT /T1_1 1 Tf 9.1 0 0 13 465.5461 400.6544 Tm ( )Tj ET 2.5 w q 1 0 0 1 481.8897 402.7534 cm 0 0 m 51.024 0 l S Q 0.835 w q 1 0 0 1 481.8897 399.4208 cm 0 0 m 51.024 0 l S Q BT /T1_0 1 Tf 9.1 0 0 13 527.9083 400.6544 Tm ( )Tj 0.025 Tc -0.025 Tw 11 0 2.9474 11 197.2962 372.3054 Tm (Note:)Tj 0.055 Tc 0.07 Tw 11 0 0 11 224.2418 372.3054 Tm [( )145 (The)12.4 ( data)12.4 ( above)12.3 ( are)12.4 ( calculated)12.4 ( in)12.4 ( accordance)12.4 ( with)12.4 ( the)12.3 ( formula)30 ( )]TJ 0.025 Tc 0 Tw 0.23 -1.273 Td (promulgated by the CBIRC.)Tj ET endstream endobj 184 0 obj <>stream BT 0 0 0 1 k /Perceptual ri /GS0 gs /T1_0 1 Tf 0.025 Tc 12 0 0 12 281.8878 18.7502 Tm (\226 33 \226)Tj 0.071 Tw 13 0 0 13 170.0787 776.3179 Tm (As of June 30, 2019 and December 31, 2018, the non-performing )Tj 0.075 Tw 0 -1.231 TD (loan ratios of the Bank were 2.97% and 2.29%, respectively. The )Tj 0.043 Tw T* (increase in non-performing loans was primarily due to the decline )Tj 0.043 Tc 0.07 Tw T* [(of)12.1 ( loans)12.1 ( and)12.1 ( advances)12.1 ( quality)12.1 ( as)12.1 ( a)12.1 ( result)12.1 ( of)12.1 ( the)12.1 ( environment)12.1 ( of)18 ( )]TJ 0.025 Tc 0 Tw T* (economic downturn.)Tj 13 0 3.4833 13 140.3981 680.3179 Tm [(\(ii\) )-583.5 (Concentration of loans)]TJ 0.004 Tw 13 0 0 13 170.0787 648.3179 Tm [(\(A\) )-438.5 (Concentration by industry and distribution of non-performing )]TJ -0.025 Tw 2.181 -1.231 Td (loans)Tj 0.029 Tc 0.079 Tw 0 -2.462 TD [(The)4 ( )0.5 (table)4 ( )0.5 (below)4 ( )0.5 (sets)4 ( )0.5 (forth)4 ( )0.5 (the)4 ( )0.5 (breakdown)4 ( )0.6 (of)4 ( )0.5 (loans)4 ( )0.5 (and)4 ( )0.5 (non-)]TJ 0.025 Tc 0 Tw 0 -1.231 TD (performing loans by industry as of the dates indicated.)Tj /T1_1 1 Tf 6.6 0 0 11 56.6929 522.0639 Tm (\(Expressed in millions of RMB, )Tj 0 -1.045 TD (unless otherwise stated\))Tj 30.868 4.182 Td (As of June 30, 2019)Tj /T1_0 1 Tf 24.693 0 Td (As of December 31, 2018)Tj /T1_1 1 Tf -0.025 Tw -29.942 -3.136 Td (Loan )Tj -1.105 -1.045 Td (amount)Tj 0 Tw 5.343 0 Td (% of total)Tj -0.025 Tw 8.758 3.136 Td (Non-)Tj -2.927 -1.045 Td (performing)Tj 3.204 -1.045 Td (loan )Tj -1.494 -1.045 Td (amount)Tj 7.659 2.091 Td (Non-)Tj -2.927 -1.045 Td (performing)Tj 0 Tw 0.749 -1.045 Td (loan ratio)Tj /T1_0 1 Tf -0.025 Tw 8.676 1.045 Td (Loan )Tj -0.995 -1.045 Td (amount)Tj 0 Tw 5.398 0 Td (% of total)Tj -0.025 Tw 8.481 2.091 Td (Non-)Tj -2.594 -1.045 Td (performing)Tj 0 Tw -0.498 -1.045 Td (loan amount)Tj -0.025 Tw 9.534 2.091 Td (Non-)Tj -2.594 -1.045 Td (performing)Tj 0 Tw 0.694 -1.045 Td (loan ratio)Tj /T1_1 1 Tf -0.025 Tw 6.6 0 2.9474 11 271.0102 499.0639 Tm (\(%\))Tj /T1_0 1 Tf 13.052 0 Td (\(%\))Tj 12.885 0 Td (\(%\))Tj 12.885 0 Td (\(%\))Tj /T1_1 1 Tf 0 Tw 6.6 0 0 11 56.6929 476.0639 Tm (Corporate loans)Tj /T1_0 1 Tf T* (Wholesale and retail)Tj /T1_1 1 Tf -0.025 Tw 24.242 0 Td (20,168.9)Tj 8.292 0 Td (11.8)Tj 5.917 0 Td (269.4)Tj 6.967 0 Td (1.34)Tj /T1_0 1 Tf 4.592 0 Td (24,169.5)Tj 8.292 0 Td (15.0)Tj 5.117 0 Td (1,468.5)Tj 7.767 0 Td (6.08)Tj -71.189 -1.045 Td (Manufacturing)Tj /T1_1 1 Tf 24.242 0 Td (23,555.9)Tj 8.292 0 Td (13.8)Tj 5.117 0 Td (1,909.9)Tj 7.767 0 Td (8.11)Tj /T1_0 1 Tf 4.592 0 Td (20,197.2)Tj 8.292 0 Td (12.6)Tj 5.917 0 Td (583.3)Tj 6.967 0 Td (2.89)Tj 0 Tw -71.189 -1.045 Td (Agriculture, forestry, animal husbandry and fishing)Tj /T1_1 1 Tf -0.025 Tw 24.767 0 Td (7,479.8)Tj 8.292 0 Td (4.4)Tj 5.392 0 Td (182.8)Tj 6.967 0 Td (2.44)Tj /T1_0 1 Tf 5.117 0 Td (8,204.6)Tj 8.292 0 Td (5.1)Tj 5.392 0 Td (524.0)Tj 6.967 0 Td (6.39)Tj -71.189 -1.045 Td (Construction)Tj /T1_1 1 Tf 24.767 0 Td (9,601.8)Tj 8.292 0 Td (5.6)Tj 5.917 0 Td (60.2)Tj 6.442 0 Td (0.63)Tj /T1_0 1 Tf 5.117 0 Td (9,129.2)Tj 8.292 0 Td (5.7)Tj 5.392 0 Td (369.8)Tj 6.967 0 Td (4.05)Tj 0 Tw -71.189 -1.045 Td (Real estate)Tj /T1_1 1 Tf -0.025 Tw 24.242 0 Td (15,358.0)Tj 8.817 0 Td (9.0)Tj 0 Tc 0 Tw 7.242 0 Td (\226)Tj 6.442 0 Td (\226)Tj /T1_0 1 Tf 0.025 Tc -0.025 Tw 3.267 0 Td (13,124.8)Tj 8.817 0 Td (8.2)Tj 0 Tc 0 Tw 7.242 0 Td (\226)Tj 6.442 0 Td (\226)Tj 0.025 Tc -0.025 Tw -72.514 -1.045 Td (Mining)Tj /T1_1 1 Tf 24.767 0 Td (8,155.6)Tj 8.292 0 Td (4.8)Tj 5.917 0 Td (12.2)Tj 6.442 0 Td (0.15)Tj /T1_0 1 Tf 5.117 0 Td (8,534.1)Tj 8.292 0 Td (5.3)Tj 5.917 0 Td (88.2)Tj 6.442 0 Td (1.03)Tj 0 Tw -71.189 -1.045 Td (Water, environment and public facility management)Tj /T1_1 1 Tf -0.025 Tw 24.767 0 Td (3,586.7)Tj 8.292 0 Td (2.1)Tj 6.442 0 Td (6.7)Tj 5.917 0 Td (0.19)Tj /T1_0 1 Tf 5.117 0 Td (6,051.4)Tj 8.292 0 Td (3.7)Tj 0 Tc 0 Tw 7.242 0 Td (\226)Tj 6.442 0 Td (\226)Tj 0.025 Tc -72.514 -1.045 Td (Culture, sports and entertainment)Tj /T1_1 1 Tf -0.025 Tw 24.767 0 Td (2,738.9)Tj 8.292 0 Td (1.6)Tj 5.917 0 Td (19.5)Tj 6.442 0 Td (0.71)Tj /T1_0 1 Tf 5.117 0 Td (2,898.1)Tj 8.292 0 Td (1.8)Tj 5.917 0 Td (19.3)Tj 6.442 0 Td (0.67)Tj 0 Tw -71.189 -1.045 Td (Leasing and business services)Tj /T1_1 1 Tf -0.025 Tw 24.767 0 Td (7,656.3)Tj 8.292 0 Td (4.5)Tj 6.442 0 Td (1.8)Tj 5.917 0 Td (0.02)Tj /T1_0 1 Tf 5.117 0 Td (7,157.6)Tj 8.292 0 Td (4.4)Tj 5.917 0 Td (16.4)Tj 6.442 0 Td (0.23)Tj 0 Tw -71.189 -1.045 Td (Electricity, heating power, gas and )Tj 0 Tc 6.6 0 0 11 155.9293 361.0639 Tm ( )Tj 0.025 Tc 6.6 0 0 11 62.3623 349.5639 Tm (water production and supply)Tj /T1_1 1 Tf -0.025 Tw 23.908 0 Td (3,416.3)Tj 8.292 0 Td (2.0)Tj 0 Tc 0 Tw 7.242 0 Td (\226)Tj 6.442 0 Td (\226)Tj /T1_0 1 Tf 0.025 Tc -0.025 Tw 3.792 0 Td (2,509.8)Tj 8.292 0 Td (1.6)Tj 6.442 0 Td (4.5)Tj 5.917 0 Td (0.18)Tj 0 Tw -71.189 -1.045 Td (Transportation, storage and postal services)Tj /T1_1 1 Tf -0.025 Tw 24.767 0 Td (2,570.9)Tj 8.292 0 Td (1.5)Tj 6.442 0 Td (5.0)Tj 5.917 0 Td (0.19)Tj /T1_0 1 Tf 5.117 0 Td (2,328.9)Tj 8.292 0 Td (1.4)Tj 5.917 0 Td (47.7)Tj 6.442 0 Td (2.05)Tj -71.189 -1.045 Td (Education)Tj /T1_1 1 Tf 24.767 0 Td (1,655.0)Tj 8.292 0 Td (1.0)Tj 0 Tc 0 Tw 7.242 0 Td (\226)Tj 6.442 0 Td (\226)Tj /T1_0 1 Tf 0.025 Tc -0.025 Tw 3.792 0 Td (1,634.6)Tj 8.292 0 Td (1.0)Tj 6.442 0 Td (6.0)Tj 5.917 0 Td (0.37)Tj 0 Tw -71.189 -1.045 Td (Accommodation and catering)Tj /T1_1 1 Tf -0.025 Tw 24.767 0 Td (2,619.7)Tj 8.292 0 Td (1.5)Tj 5.917 0 Td (17.3)Tj 6.442 0 Td (0.66)Tj /T1_0 1 Tf 5.117 0 Td (2,689.4)Tj 8.292 0 Td (1.7)Tj 5.917 0 Td (32.0)Tj 6.442 0 Td (1.19)Tj -71.189 -1.045 Td (Financial)Tj /T1_1 1 Tf 24.767 0 Td (1,000.0)Tj 8.292 0 Td (0.6)Tj 0 Tc 0 Tw 7.242 0 Td (\226)Tj 6.442 0 Td (\226)Tj /T1_0 1 Tf 0.025 Tc -0.025 Tw 3.792 0 Td (1,000.0)Tj 8.292 0 Td (0.6)Tj 0 Tc 0 Tw 7.242 0 Td (\226)Tj 6.442 0 Td (\226)Tj 0.025 Tc -72.514 -1.045 Td (Health and social services)Tj /T1_1 1 Tf -0.025 Tw 24.767 0 Td (1,845.2)Tj 8.292 0 Td (1.1)Tj 0 Tc 0 Tw 7.242 0 Td (\226)Tj 6.442 0 Td (\226)Tj /T1_0 1 Tf 0.025 Tc -0.025 Tw 3.792 0 Td (1,846.2)Tj 8.292 0 Td (1.2)Tj 0 Tc 0 Tw 7.242 0 Td (\226)Tj 6.442 0 Td (\226)Tj 0.025 Tc -72.514 -1.045 Td (Residents and other services)Tj /T1_1 1 Tf -0.025 Tw 25.567 0 Td (740.5)Tj 7.492 0 Td (0.4)Tj 6.442 0 Td (1.1)Tj 5.917 0 Td (0.15)Tj /T1_0 1 Tf 5.917 0 Td (622.6)Tj 7.492 0 Td (0.4)Tj 5.917 0 Td (16.1)Tj 6.442 0 Td (2.59)Tj 0 Tw -71.189 -1.045 Td (Scientific research, technical service and )Tj 0 Tc 6.6 0 0 11 173.016 269.0639 Tm ( )Tj 0.025 Tc 6.6 0 0 11 62.3623 257.5639 Tm (geological prospecting)Tj /T1_1 1 Tf -0.025 Tw 24.708 0 Td (923.4)Tj 7.492 0 Td (0.5)Tj 6.442 0 Td (1.5)Tj 5.917 0 Td (0.16)Tj /T1_0 1 Tf 5.917 0 Td (927.1)Tj 7.492 0 Td (0.6)Tj 0 Tc 0 Tw 7.242 0 Td (\226)Tj 6.442 0 Td (\226)Tj 0.025 Tc -72.514 -1.045 Td (Information transmission, computer service and )Tj -0.025 Tw 0.859 -1.045 Td (software)Tj /T1_1 1 Tf 24.708 0 Td (131.4)Tj 7.492 0 Td (0.1)Tj 6.442 0 Td (3.0)Tj 5.917 0 Td (2.28)Tj /T1_0 1 Tf 5.917 0 Td (159.0)Tj 7.492 0 Td (0.1)Tj 5.917 0 Td (28.0)Tj 5.917 0 Td (17.61)Tj 0 Tw -70.664 -1.045 Td (Public administration, social security and social )Tj -0.025 Tw 0.859 -1.045 Td (organizations)Tj /T1_1 1 Tf 25.233 0 Td (20.0)Tj 0 Tc 0 Tw 7.767 0 Td (\226)Tj 6.442 0 Td (\226)Tj 6.442 0 Td (\226)Tj /T1_0 1 Tf 0.025 Tc -0.025 Tw 5.117 0 Td (20.0)Tj 0 Tc 0 Tw 7.767 0 Td (\226)Tj 6.442 0 Td (\226)Tj 6.442 0 Td (\226)Tj ET 0 0 0 1 K 0.5 w q 1 0 0 1 209.7638 207.4079 cm 0 0 m 31.181 0 l S Q BT /T1_1 1 Tf 6.6 0 0 11 237.3149 208.5549 Tm ( )Tj ET q 1 0 0 1 252.2835 207.4079 cm 0 0 m 31.181 0 l S Q BT 6.6 0 0 11 279.8346 208.5549 Tm ( )Tj ET q 1 0 0 1 294.8032 207.4079 cm 0 0 m 31.181 0 l S Q BT 6.6 0 0 11 322.3543 208.5549 Tm ( )Tj ET q 1 0 0 1 337.3229 207.4079 cm 0 0 m 31.181 0 l S Q BT 6.6 0 0 11 364.874 208.5549 Tm ( )Tj ET q 1 0 0 1 379.8426 207.4079 cm 0 0 m 31.181 0 l S Q BT /T1_0 1 Tf 6.6 0 0 11 407.3937 208.5549 Tm ( )Tj ET q 1 0 0 1 422.3622 207.4079 cm 0 0 m 31.181 0 l S Q BT 6.6 0 0 11 449.9134 208.5549 Tm ( )Tj ET q 1 0 0 1 464.8819 207.4079 cm 0 0 m 31.181 0 l S Q BT 6.6 0 0 11 492.433 208.5549 Tm ( )Tj ET q 1 0 0 1 507.4016 207.4079 cm 0 0 m 31.181 0 l S Q BT 6.6 0 0 11 534.9528 208.5549 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -72.464 -2.091 Td (Retail loans)Tj -0.025 Tw 24.242 0 Td (32,421.0)Tj 8.292 0 Td (19.0)Tj 5.917 0 Td (975.8)Tj 6.967 0 Td (3.01)Tj /T1_0 1 Tf 4.592 0 Td (28,025.2)Tj 8.292 0 Td (17.4)Tj 5.917 0 Td (485.0)Tj 6.967 0 Td (1.73)Tj ET q 1 0 0 1 209.7639 181.3988 cm 0 0 m 31.181 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 6.6 0 0 11 237.315 182.5458 Tm ( )Tj ET q 1 0 0 1 252.2836 181.3988 cm 0 0 m 31.181 0 l S Q BT 6.6 0 0 11 279.8347 182.5458 Tm ( )Tj ET q 1 0 0 1 294.8033 181.3988 cm 0 0 m 31.181 0 l S Q BT 6.6 0 0 11 322.3544 182.5458 Tm ( )Tj ET q 1 0 0 1 337.3229 181.3988 cm 0 0 m 31.181 0 l S Q BT 6.6 0 0 11 364.8741 182.5458 Tm ( )Tj ET q 1 0 0 1 379.8426 181.3988 cm 0 0 m 31.181 0 l S Q BT /T1_0 1 Tf 6.6 0 0 11 407.3937 182.5458 Tm ( )Tj ET q 1 0 0 1 422.3623 181.3988 cm 0 0 m 31.181 0 l S Q BT 6.6 0 0 11 449.9134 182.5458 Tm ( )Tj ET q 1 0 0 1 464.882 181.3988 cm 0 0 m 31.181 0 l S Q BT 6.6 0 0 11 492.4331 182.5458 Tm ( )Tj ET q 1 0 0 1 507.4017 181.3988 cm 0 0 m 31.181 0 l S Q BT 6.6 0 0 11 534.9528 182.5458 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -72.464 -2.091 Td (Discounted bills)Tj -0.025 Tw 24.242 0 Td (25,180.8)Tj 8.292 0 Td (14.7)Tj 5.117 0 Td (1,600.0)Tj 7.767 0 Td (6.35)Tj /T1_0 1 Tf 4.592 0 Td (19,656.0)Tj 8.292 0 Td (12.2)Tj 0 Tc 0 Tw 7.767 0 Td (\226)Tj 6.442 0 Td (\226)Tj ET q 1 0 0 1 209.764 155.3898 cm 0 0 m 31.181 0 l S Q BT /T1_1 1 Tf 6.6 0 0 11 237.3151 156.5368 Tm ( )Tj ET q 1 0 0 1 252.2836 155.3898 cm 0 0 m 31.181 0 l S Q BT 6.6 0 0 11 279.8347 156.5368 Tm ( )Tj ET q 1 0 0 1 294.8033 155.3898 cm 0 0 m 31.181 0 l S Q BT 6.6 0 0 11 322.3544 156.5368 Tm ( )Tj ET q 1 0 0 1 337.323 155.3898 cm 0 0 m 31.181 0 l S Q BT 6.6 0 0 11 364.8741 156.5368 Tm ( )Tj ET q 1 0 0 1 379.8427 155.3898 cm 0 0 m 31.181 0 l S Q BT /T1_0 1 Tf 6.6 0 0 11 407.3938 156.5368 Tm ( )Tj ET q 1 0 0 1 422.3624 155.3898 cm 0 0 m 31.181 0 l S Q BT 6.6 0 0 11 449.9135 156.5368 Tm ( )Tj ET q 1 0 0 1 464.882 155.3898 cm 0 0 m 31.181 0 l S Q BT 6.6 0 0 11 492.4332 156.5368 Tm ( )Tj ET q 1 0 0 1 507.4017 155.3898 cm 0 0 m 31.181 0 l S Q BT 6.6 0 0 11 534.9529 156.5368 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -72.464 -2.091 Td (Total amount)Tj -0.025 Tw 23.717 0 Td (170,826.1)Tj 8.292 0 Td (100.0)Tj 5.642 0 Td (5,066.2)Tj 7.767 0 Td (2.97)Tj /T1_0 1 Tf 4.067 0 Td (160,885.3)Tj 8.292 0 Td (100.0)Tj 5.642 0 Td (3,688.8)Tj 7.767 0 Td (2.29)Tj ET 2.5 w q 1 0 0 1 209.764 128.2262 cm 0 0 m 31.181 0 l S Q 0.835 w q 1 0 0 1 209.764 124.8937 cm 0 0 m 31.181 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 6.6 0 0 11 237.3151 125.8732 Tm ( )Tj ET 2.5 w q 1 0 0 1 252.2837 128.2262 cm 0 0 m 31.181 0 l S Q 0.835 w q 1 0 0 1 252.2837 124.8937 cm 0 0 m 31.181 0 l S Q BT 6.6 0 0 11 279.8348 125.8732 Tm ( )Tj ET 2.5 w q 1 0 0 1 294.8034 128.2262 cm 0 0 m 31.181 0 l S Q 0.835 w q 1 0 0 1 294.8034 124.8937 cm 0 0 m 31.181 0 l S Q BT 6.6 0 0 11 322.3545 125.8732 Tm ( )Tj ET 2.5 w q 1 0 0 1 337.3231 128.2262 cm 0 0 m 31.181 0 l S Q 0.835 w q 1 0 0 1 337.3231 124.8937 cm 0 0 m 31.181 0 l S Q BT 6.6 0 0 11 364.8742 125.8732 Tm ( )Tj ET 2.5 w q 1 0 0 1 379.8427 128.2262 cm 0 0 m 31.181 0 l S Q 0.835 w q 1 0 0 1 379.8427 124.8937 cm 0 0 m 31.181 0 l S Q BT /T1_0 1 Tf 6.6 0 0 11 407.3939 125.8732 Tm ( )Tj ET 2.5 w q 1 0 0 1 422.3624 128.2262 cm 0 0 m 31.181 0 l S Q 0.835 w q 1 0 0 1 422.3624 124.8937 cm 0 0 m 31.181 0 l S Q BT 6.6 0 0 11 449.9135 125.8732 Tm ( )Tj ET 2.5 w q 1 0 0 1 464.8821 128.2262 cm 0 0 m 31.181 0 l S Q 0.835 w q 1 0 0 1 464.8821 124.8937 cm 0 0 m 31.181 0 l S Q BT 6.6 0 0 11 492.4332 125.8732 Tm ( )Tj ET 2.5 w q 1 0 0 1 507.4018 128.2262 cm 0 0 m 31.181 0 l S Q 0.835 w q 1 0 0 1 507.4018 124.8937 cm 0 0 m 31.181 0 l S Q BT 6.6 0 0 11 534.9529 125.8732 Tm ( )Tj 0.025 Tc -0.025 Tw 11 0 2.9474 11 197.2966 97.7782 Tm (Note: )Tj 0.028 Tw 11 0 0 11 226.7719 97.7782 Tm (Non-performing loan ratio of an industry is calculated by dividing )Tj 0.006 Tw 0 -1.273 TD (the balance of non-performing loans of the industry by the balance )Tj 0 Tw 0 -1.273 TD (of loans granted to the industry.)Tj ET endstream endobj 183 0 obj <>stream BT 0 0 0 1 k /Perceptual ri /GS0 gs /T1_0 1 Tf 0.025 Tc 12 0 0 12 281.8878 18.7502 Tm (\226 32 \226)Tj 13 0 3.4833 13 140.3981 776.3179 Tm [(\(iii\) )-280.5 (Shareholders\222 equity)]TJ 0.037 Tc 0.071 Tw 13 0 0 13 170.0787 748.3179 Tm [(The)12 ( )0.5 (table)12 ( )0.5 (below)12 ( )0.5 (sets)12.1 ( )0.5 (forth)12.1 ( )0.5 (the)12.1 ( )0.5 (change)12 ( )0.5 (in)12 ( )0.5 (shareholders\222)12 ( )0.5 (equity)12 ( )0.5 (of)12 ( )]TJ 0.025 Tc 0 Tw 0 -1.077 TD (the Bank as of the dates indicated.)Tj /T1_1 1 Tf 10.4 0 0 13 170.0787 706.3179 Tm (\(Expressed in millions of RMB, )Tj T* (unless otherwise stated\))Tj 15.275 1.077 Td (As of June 30, 2019)Tj /T1_0 1 Tf 9.826 0 Td (As of December 31, 2018)Tj /T1_1 1 Tf -0.025 Tw -9.646 -1.077 Td (Amount)Tj 0 Tw 4.574 0 Td (% of total)Tj /T1_0 1 Tf -0.025 Tw 6.55 0 Td (Amount)Tj 0 Tw 4.685 0 Td (% of total)Tj /T1_1 1 Tf -0.025 Tw 10.4 0 3.4833 13 406.0165 678.3179 Tm (\(%\))Tj /T1_0 1 Tf 11.069 0 Td (\(%\))Tj 0 Tw 10.4 0 0 13 170.0787 650.3179 Tm (Share capital)Tj /T1_1 1 Tf -0.025 Tw 15.404 0 Td (10,069.8 )Tj 7.301 0 Td (40.8 )Tj /T1_0 1 Tf 3.601 0 Td (10,069.8)Tj 7.301 0 Td (39.9)Tj 0 Tw -33.608 -1.077 Td (Capital reserve)Tj /T1_1 1 Tf -0.025 Tw 15.929 0 Td (4,659.4 )Tj 6.776 0 Td (18.9 )Tj /T1_0 1 Tf 4.126 0 Td (4,658.3)Tj 6.776 0 Td (18.5)Tj 0 Tw -33.608 -1.077 Td (Defined benefit scheme reserve)Tj /T1_1 1 Tf -0.025 Tw 17.396 0 Td (\(2.8\))Tj 5.834 0 Td (0.0 )Tj /T1_0 1 Tf 5.068 0 Td (\(4.2\))Tj 0 Tc 0 Tw 6.634 0 Td (\226)Tj 0.025 Tc -34.933 -1.077 Td (Investment revaluation reserve)Tj /T1_1 1 Tf -0.025 Tw 16.729 0 Td (231.2 )Tj 6.501 0 Td (0.9 )Tj /T1_0 1 Tf 4.401 0 Td (261.4)Tj 6.501 0 Td (1.0)Tj 0 Tw -34.133 -1.077 Td (Surplus reserve)Tj /T1_1 1 Tf -0.025 Tw 15.929 0 Td (1,510.1 )Tj 7.301 0 Td (6.1 )Tj /T1_0 1 Tf 3.601 0 Td (1,510.1)Tj 7.301 0 Td (6.0)Tj 0 Tw -34.133 -1.077 Td (General reserve)Tj /T1_1 1 Tf -0.025 Tw 15.929 0 Td (4,423.1 )Tj 6.776 0 Td (17.9 )Tj /T1_0 1 Tf 4.126 0 Td (4,423.1)Tj 6.776 0 Td (17.5)Tj 0 Tw -33.608 -1.077 Td (Retained earnings)Tj /T1_1 1 Tf -0.025 Tw 15.929 0 Td (3,782.1 )Tj 6.776 0 Td (15.3 )Tj /T1_0 1 Tf 4.126 0 Td (4,297.8)Tj 6.776 0 Td (17.0)Tj 0 Tw -33.608 -1.077 Td (Non-controlling interests)Tj /T1_1 1 Tf -0.025 Tw 17.254 0 Td (35.8 )Tj 5.976 0 Td (0.1 )Tj /T1_0 1 Tf 4.926 0 Td (31.3)Tj 5.976 0 Td (0.1)Tj ET 0 0 0 1 K 0.5 w q 1 0 0 1 323.1497 547.9078 cm 0 0 m 45.354 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 10.4 0 0 13 362.784 549.3088 Tm ( )Tj ET q 1 0 0 1 379.8426 547.9078 cm 0 0 m 45.354 0 l S Q BT 10.4 0 0 13 419.4769 549.3088 Tm ( )Tj ET q 1 0 0 1 436.5355 547.9078 cm 0 0 m 45.354 0 l S Q BT /T1_0 1 Tf 10.4 0 0 13 476.1699 549.3088 Tm ( )Tj ET q 1 0 0 1 493.2284 547.9078 cm 0 0 m 45.354 0 l S Q BT 10.4 0 0 13 532.8627 549.3088 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -34.883 -2.154 Td (Total equity)Tj -0.025 Tw 15.404 0 Td (24,708.7)Tj 6.776 0 Td (100.0)Tj /T1_0 1 Tf 4.126 0 Td (25,247.6)Tj 6.776 0 Td (100.0)Tj ET 2.5 w q 1 0 0 1 323.1496 515.7443 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 323.1496 512.4117 cm 0 0 m 45.354 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 10.4 0 0 13 362.784 513.6453 Tm ( )Tj ET 2.5 w q 1 0 0 1 379.8425 515.7443 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 379.8425 512.4117 cm 0 0 m 45.354 0 l S Q BT /T1_0 1 Tf 10.4 0 0 13 419.4769 513.6453 Tm ( )Tj ET 2.5 w q 1 0 0 1 436.5354 515.7443 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 436.5354 512.4117 cm 0 0 m 45.354 0 l S Q BT 10.4 0 0 13 476.1698 513.6453 Tm ( )Tj ET 2.5 w q 1 0 0 1 493.2283 515.7443 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 493.2283 512.4117 cm 0 0 m 45.354 0 l S Q BT 10.4 0 0 13 532.8627 513.6453 Tm ( )Tj /T1_1 1 Tf 0.025 Tc 13 0 3.4833 13 112.0517 487.2963 Tm [(\(c\) )-720.5 (Asset quality analysis)]TJ /T1_0 1 Tf 2.758 -2.154 Td [(\(i\) )-886.5 (Breakdown of loans by the five-category classification)]TJ 0.036 Tc 0.072 Tw 13 0 0 13 170.0787 431.2963 Tm [(For)11 ( )0.5 (the)11 ( )0.5 (Bank,)11 ( )0.5 (the)11 ( n)0.5 (on-performing)11 ( )0.5 (loans)11 ( )0.5 (are)11 ( )0.5 (classified)11 ( )0.5 (into)11 ( )0.5 (loans)11 ( )]TJ 0.031 Tc 0.077 Tw T* [(and)6 ( )0.5 (advances)6 ( )0.5 (to)6 ( )0.5 (customers)6 ( )0.5 (of)6 ( )0.5 (substandard,)6.1 ( )0.5 (doubtful)6 ( )0.5 (and)6 ( )0.5 (loss.)6 ( )0.5 (As)6 ( )]TJ 0.059 Tc 0.07 Tw 0 -1.077 TD [(of)12.7 ( June)12.7 ( 3)12.7 (0)12.6 (,)12.7 ( 2)12.7 (0)12.6 (1)12.7 (9)12.7 (,)12.6 ( the)12.6 ( Bank\222s)12.7 ( non-performing)12.7 ( loans)12.6 ( amounted)34 ( )]TJ 0.062 Tc 0 -1.077 TD [(to)12.7 ( RMB)12.7 (5)12.7 (,)12.7 (0)12.7 (6)12.7 (6)12.7 (.)12.7 (2)12.8 ( million.)12.8 ( The)12.7 ( table)12.7 ( below)12.7 ( sets)12.7 ( forth)12.7 ( loans)12.7 ( and)37 ( )]TJ 0.07 Tc T* [(advances)12.4 ( to)12.3 ( customers)12.4 ( by)12.3 ( loan)12.3 ( classification)12.4 ( as)12.4 ( of)12.3 ( the)12.3 ( dates)45 ( )]TJ 0.025 Tc -0.025 Tw 0 -1.077 TD (indicated.)Tj /T1_1 1 Tf 0 Tw 9.1 0 0 13 170.0787 333.2963 Tm (\(Expressed in millions of RMB,)Tj 0 -1.077 TD (unless otherwise stated\))Tj 18.078 1.077 Td (As of June 30, 2019)Tj /T1_0 1 Tf 11.384 0 Td (As of December 31, 2018)Tj /T1_1 1 Tf -0.025 Tw -11.282 -1.077 Td (Amount)Tj 0 Tw 5.353 0 Td (% of total)Tj /T1_0 1 Tf -0.025 Tw 7.329 0 Td (Amount)Tj 0 Tw 5.464 0 Td (% of total)Tj /T1_1 1 Tf -0.025 Tw 9.1 0 3.4833 13 408.2473 305.2963 Tm (\(%\))Tj /T1_0 1 Tf 12.627 0 Td (\(%\))Tj 9.1 0 0 13 170.0788 277.2963 Tm (Normal)Tj /T1_1 1 Tf 17.605 0 Td (154,488.8 )Tj 8.605 0 Td (90.5)Tj /T1_0 1 Tf 3.855 0 Td (147,789.2)Tj 8.605 0 Td (91.9)Tj 0 Tw -38.67 -1.077 Td (Special mention)Tj /T1_1 1 Tf -0.025 Tw 18.13 0 Td (11,271.1)Tj 8.605 0 Td (6.6 )Tj /T1_0 1 Tf 4.38 0 Td (9,407.3)Tj 8.08 0 Td (5.8)Tj -39.195 -1.077 Td (Sub-standard)Tj /T1_1 1 Tf 18.655 0 Td (3,959.2 )Tj 8.08 0 Td (2.3 )Tj /T1_0 1 Tf 4.38 0 Td (1,330.2)Tj 8.08 0 Td (0.8)Tj -39.195 -1.077 Td (Doubtful)Tj /T1_1 1 Tf 19.455 0 Td (880.5)Tj 7.28 0 Td (0.5 )Tj /T1_0 1 Tf 4.38 0 Td (1,773.2)Tj 8.08 0 Td (1.1)Tj -39.195 -1.077 Td (Loss)Tj /T1_1 1 Tf 19.455 0 Td (226.5 )Tj 7.28 0 Td (0.1 )Tj /T1_0 1 Tf 5.18 0 Td (585.4)Tj 7.28 0 Td (0.4)Tj ET 0.5 w q 1 0 0 1 323.1497 216.8862 cm 0 0 m 45.354 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 9.1 0 0 13 363.499 218.2872 Tm ( )Tj ET q 1 0 0 1 379.8426 216.8862 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 420.1919 218.2872 Tm ( )Tj ET q 1 0 0 1 436.5355 216.8862 cm 0 0 m 45.354 0 l S Q BT /T1_0 1 Tf 9.1 0 0 13 476.8849 218.2872 Tm ( )Tj ET q 1 0 0 1 493.2284 216.8862 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 533.5778 218.2872 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -39.945 -2.154 Td (Total loans and advances to )Tj -0.025 Tw 0.934 -1.077 Td (customers)Tj 16.67 0 Td (170,826.1)Tj 8.08 0 Td (100.0)Tj /T1_0 1 Tf 4.38 0 Td (160,885.3)Tj 8.08 0 Td (100.0)Tj ET 2.5 w q 1 0 0 1 323.1497 170.7227 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 323.1497 167.3902 cm 0 0 m 45.354 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 9.1 0 0 13 363.4991 168.6237 Tm ( )Tj ET 2.5 w q 1 0 0 1 379.8426 170.7227 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 379.8426 167.3902 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 420.192 168.6237 Tm ( )Tj ET 2.5 w q 1 0 0 1 436.5355 170.7227 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 436.5355 167.3902 cm 0 0 m 45.354 0 l S Q BT /T1_0 1 Tf 9.1 0 0 13 476.8849 168.6237 Tm ( )Tj ET 2.5 w q 1 0 0 1 493.2284 170.7227 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 493.2284 167.3902 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 533.5778 168.6237 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -39.945 -2.154 Td (Non-performing loans and non-)Tj 0.934 -1.077 Td (performing loan ratio)Tj -0.025 Tw 5.3053 0 0 7.579 267.7802 131.8237 Tm (\(1\))Tj 9.1 0 0 13 339.839 126.6237 Tm (5,066.2)Tj 7.555 0 Td (2.97 )Tj /T1_0 1 Tf 4.905 0 Td (3,688.8)Tj 7.555 0 Td (2.29)Tj ET 2.5 w q 1 0 0 1 323.1497 121.0591 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 323.1497 117.7266 cm 0 0 m 45.354 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 9.1 0 0 13 363.4991 118.9601 Tm ( )Tj ET 2.5 w q 1 0 0 1 379.8426 121.0591 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 379.8426 117.7266 cm 0 0 m 45.354 0 l S Q BT /T1_0 1 Tf 9.1 0 0 13 420.192 118.9601 Tm ( )Tj ET 2.5 w q 1 0 0 1 436.5356 121.0591 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 436.5356 117.7266 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 476.8849 118.9601 Tm ( )Tj ET 2.5 w q 1 0 0 1 493.2285 121.0591 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 493.2285 117.7266 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 533.5778 118.9601 Tm ( )Tj 0.025 Tc -0.025 Tw 11 0 2.9474 11 168.95 94.6111 Tm (Note:)Tj 6.413 0 0 6.413 170.0789 75.0111 Tm (\(1\))Tj 0.023 Tc 0 Tw 11 0 0 11 178.0373 70.6111 Tm [( )-1580.5 (Calculated by dividing non-performing loans by total loans and advances)-2 ( )]TJ 0.025 Tc 1.853 -1.091 Td (to customers.)Tj ET endstream endobj 182 0 obj <>stream BT 0 0 0 1 k /Perceptual ri /GS0 gs /T1_0 1 Tf 0.025 Tc 12 0 0 12 281.8878 18.7502 Tm (\226 31 \226)Tj 0.065 Tc 0.07 Tw 13 0 0 13 198.4252 776.3179 Tm [(Total)12.6 ( deposits)12.7 ( from)12.6 ( customers)12.6 ( increased)12.6 ( by)12.7 ( 1)12.6 (1)12.7 (.)12.6 (8)12.7 (%)12.6 ( from)40 ( )]TJ 0.102 Tc 0.083 Tw 0 -1.231 TD [(R)-12.6 (M)-12.6 (B210,723.3 m)-12.6 (i)-12.6 (l)-12.6 (l)-12.7 (i)-12.6 (o)-12.6 (n a)-12.6 (s o)-12.6 (f D)-12.6 (e)-12.6 (c)-12.6 (e)-12.6 (m)-12.7 (b)-12.6 (e)-12.6 (r 31, 2018 t)-12.6 (o)77 ( )]TJ 0.025 Tc 0.042 Tw T* (RMB235,622.9 million as of June 30, 2019. The increases in )Tj 0.042 Tc 0.07 Tw T* [(deposits)12.4 ( from)12.3 ( customers)12.3 ( were)12.3 ( primarily)12.3 ( attributable)12.3 ( to)12.3 ( our)17 ( )]TJ 0.025 Tc 0 Tw T* (enhanced marketing efforts to grow retail deposits.)Tj -2.181 -2.462 Td [(\(B\) )-497.5 (Debts securities issued)]TJ 0.048 Tc 0.07 Tw 2.181 -2.462 Td [(In)12.3 ( December)12.4 ( 2)12.3 (0)12.4 (1)12.4 (5)12.3 (,)12.4 ( we)12.4 ( issued)12.4 ( tier-two)12.3 ( capital)12.4 ( bonds)12.4 ( in)12.4 ( an)23 ( )]TJ 0.062 Tc T* [(aggregate)12.7 ( principal)12.7 ( amount)12.6 ( of)12.7 ( RMB)12.7 (3)12.6 (,)12.7 (2)12.6 (0)12.7 (0)12.7 (.)12.6 (0)12.7 ( million.)12.7 ( The)37 ( )]TJ 0.046 Tc T* [(bonds)12.8 ( have)12.8 ( a)12.7 ( term)12.7 ( of)12.8 ( 1)12.8 (0)12.8 ( years)12.8 ( and)12.8 ( bear)12.8 ( an)12.8 ( interest)12.8 ( rate)12.8 ( of)21 ( )]TJ 0.025 Tc 0.007 Tw T* (5.10% per annum. We have an option to redeem the bonds on )Tj 0 Tw T* (December 11, 2020 at par.)Tj 0.047 Tc 0.07 Tw 0 -2.462 TD [(In)12.3 ( March)12.3 ( 2)12.3 (0)12.4 (1)12.4 (7)12.3 (,)12.4 ( we)12.4 ( issued)12.3 ( financial)12.3 ( bonds)12.4 ( in)12.4 ( an)12.3 ( aggregate)22 ( )]TJ 0.048 Tc 0 -1.231 TD [(p)0.5 (r)0.5 (i)0.5 (n)0.5 (c)0.5 (i)0.5 (p)0.5 (a)0.5 (l)13 ( )0.5 (a)0.5 (m)0.5 (o)0.5 (u)0.5 (n)0.5 (t)12.9 ( )0.5 (o)0.5 (f)13 ( )0.5 (R)0.5 (M)0.5 (B)13 (1)13 (,)13 (0)13 (0)13 (0)13 (.)13 (0)13 ( )0.5 (m)0.5 (i)0.5 (l)0.5 (l)0.5 (i)0.5 (on)0.5 (.)13 ( )0.5 (T)0.5 (h)0.5 (e)13 ( )0.5 (b)0.5 (o)0.5 (n)0.5 (d)0.5 (s)13 ( )0.5 (h)0.5 (a)0.5 (v)0.5 (e)23 ( )]TJ 0.033 Tc 0.075 Tw T* [(a)8 ( )0.5 (term)8 ( )0.5 (of)8 ( )0.5 (three)8 ( )0.5 (years)8.1 ( )0.5 (and)8 ( )0.5 (bear)8 ( )0.5 (an)8.1 ( )0.5 (interest)8 ( )0.5 (rate)8.1 ( )0.5 (of)8 ( )0.5 (4)8 (.)8 (6)8 (7)8.1 (%)7.9 ( )0.6 (per)8 ( )]TJ 0.025 Tc -0.025 Tw T* (annum.)Tj 0.056 Tc 0.07 Tw 0 -2.462 TD [(In)12.3 ( April)12.3 ( 2)12.3 (0)12.3 (1)12.3 (7)12.3 (,)12.3 ( we)12.3 ( issued)12.3 ( financial)12.2 ( bonds)12.3 ( in)12.2 ( an)12.3 ( aggregate)31 ( )]TJ 0.048 Tc 0 -1.231 TD [(p)0.5 (r)0.5 (i)0.5 (n)0.5 (c)0.5 (i)0.5 (p)0.5 (a)0.5 (l)13 ( )0.5 (a)0.5 (m)0.5 (o)0.5 (u)0.5 (n)0.5 (t)12.9 ( )0.5 (o)0.5 (f)13 ( )0.5 (R)0.5 (M)0.5 (B)13 (1)13 (,)13 (0)13 (0)13 (0)13 (.)13 (0)13 ( )0.5 (m)0.5 (i)0.5 (l)0.5 (l)0.5 (i)0.5 (on)0.5 (.)13 ( )0.5 (T)0.5 (h)0.5 (e)13 ( )0.5 (b)0.5 (o)0.5 (n)0.5 (d)0.5 (s)13 ( )0.5 (h)0.5 (a)0.5 (v)0.5 (e)23 ( )]TJ 0.043 Tc 0 -1.231 TD [(a)12.3 ( term)12.3 ( of)12.3 ( five)12.3 ( years)12.3 ( and)12.3 ( bear)12.3 ( an)12.2 ( interest)12.3 ( rate)12.3 ( of)12.4 ( 5)12.3 (.)12.3 (0)12.3 (0)12.3 (%)12.3 ( per)18 ( )]TJ 0.025 Tc -0.025 Tw T* (annum.)Tj 0.064 Tc 0.07 Tw 0 -2.462 TD [(In)12.9 ( )0.5 (May)12.9 ( )0.5 (2)12.9 (0)12.9 (1)12.9 (7)12.9 (,)12.9 ( )0.5 (we)12.9 ( i)0.5 (ssue)0.5 (d)12.9 ( fin)0.5 (anci)0.5 (al)12.9 ( bon)0.5 (ds)12.9 ( i)0.5 (n)12.9 ( an)12.9 ( )0.5 (aggr)0.5 (egat)0.5 (e)39 ( )]TJ 0.048 Tc 0 -1.231 TD [(p)0.5 (r)0.5 (i)0.5 (n)0.5 (c)0.5 (i)0.5 (p)0.5 (a)0.5 (l)13 ( )0.5 (a)0.5 (m)0.5 (o)0.5 (u)0.5 (n)0.5 (t)12.9 ( )0.5 (o)0.5 (f)13 ( )0.5 (R)0.5 (M)0.5 (B)13 (1)13 (,)13 (0)13 (0)13 (0)13 (.)13 (0)13 ( )0.5 (m)0.5 (i)0.5 (l)0.5 (l)0.5 (i)0.5 (on)0.5 (.)13 ( )0.5 (T)0.5 (h)0.5 (e)13 ( )0.5 (b)0.5 (o)0.5 (n)0.5 (d)0.5 (s)13 ( )0.5 (h)0.5 (a)0.5 (v)0.5 (e)23 ( )]TJ 0.033 Tc 0.075 Tw T* [(a)8 ( )0.5 (term)8 ( )0.5 (of)8 ( )0.5 (three)8 ( )0.5 (years)8.1 ( )0.5 (and)8 ( )0.5 (bear)8 ( )0.5 (an)8.1 ( )0.5 (interest)8 ( )0.5 (rate)8.1 ( )0.5 (of)8 ( )0.5 (4)8 (.)8 (9)8 (0)8.1 (%)7.9 ( )0.6 (per)8 ( )]TJ 0.025 Tc -0.025 Tw T* (annum.)Tj 0.041 Tc 0.07 Tw 0 -2.462 TD [(In)12.2 ( August)12.2 ( 2)12.2 (0)12.2 (1)12.1 (7)12.2 (,)12.2 ( we)12.2 ( issued)12.2 ( financial)12.1 ( bonds)12.2 ( in)12.2 ( an)12.2 ( aggregate)16 ( )]TJ 0.048 Tc 0 -1.231 TD [(p)0.5 (r)0.5 (i)0.5 (n)0.5 (c)0.5 (i)0.5 (p)0.5 (a)0.5 (l)13 ( )0.5 (a)0.5 (m)0.5 (o)0.5 (u)0.5 (n)0.5 (t)12.9 ( )0.5 (o)0.5 (f)13 ( )0.5 (R)0.5 (M)0.5 (B)13 (1)13 (,)13 (5)13 (0)13 (0)13 (.)13 (0)13 ( )0.5 (m)0.5 (i)0.5 (l)0.5 (l)0.5 (i)0.5 (on)0.5 (.)13 ( )0.5 (T)0.5 (h)0.5 (e)13 ( )0.5 (b)0.5 (o)0.5 (n)0.5 (d)0.5 (s)13 ( )0.5 (h)0.5 (a)0.5 (v)0.5 (e)23 ( )]TJ 0.033 Tc 0.075 Tw T* [(a)8 ( )0.5 (term)8 ( )0.5 (of)8 ( )0.5 (three)8 ( )0.5 (years)8.1 ( )0.5 (and)8 ( )0.5 (bear)8 ( )0.5 (an)8.1 ( )0.5 (interest)8 ( )0.5 (rate)8.1 ( )0.5 (of)8 ( )0.5 (4)8 (.)8 (8)8 (5)8.1 (%)7.9 ( )0.6 (per)8 ( )]TJ 0.025 Tc -0.025 Tw T* (annum.)Tj 0.064 Tc 0.07 Tw 0 -2.462 TD [(In)12.9 ( )0.5 (May)12.9 ( )0.5 (2)12.9 (0)12.9 (1)12.9 (8)12.9 (,)12.9 ( )0.5 (we)12.9 ( i)0.5 (ssue)0.5 (d)12.9 ( fin)0.5 (anci)0.5 (al)12.9 ( bon)0.5 (ds)12.9 ( i)0.5 (n)12.9 ( an)12.9 ( )0.5 (aggr)0.5 (egat)0.5 (e)39 ( )]TJ 0.048 Tc 0 -1.231 TD [(p)0.5 (r)0.5 (i)0.5 (n)0.5 (c)0.5 (i)0.5 (p)0.5 (a)0.5 (l)13 ( )0.5 (a)0.5 (m)0.5 (o)0.5 (u)0.5 (n)0.5 (t)12.9 ( )0.5 (o)0.5 (f)13 ( )0.5 (R)0.5 (M)0.5 (B)13 (1)13 (,)13 (5)13 (0)13 (0)13 (.)13 (0)13 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281.8878 18.7502 Tm (\226 30 \226)Tj 13 0 0 13 170.0787 776.3179 Tm [(\(A\) )-442.5 (Deposits from customers)]TJ 0.035 Tc 0.073 Tw 2.181 -2.462 Td [(Deposits)10 ( )0.5 (from)10 ( )0.5 (customers)10 ( )0.5 (are)10 ( )0.5 (the)10.1 ( )0.5 (largest)10 ( )0.5 (component)10 ( )0.5 (of)10 ( )0.5 (total)10 ( )]TJ 0.065 Tc 0.07 Tw 0 -1.231 TD [(l)0.5 (i)0.5 (a)0.5 (b)0.5 (i)0.5 (l)0.5 (i)0.5 (t)0.5 (i)0.5 (e)0.5 (s)0.5 (.)13 ( )0.5 (A)0.6 (s)13 ( )0.5 (o)0.5 (f)13 ( )0.5 (D)0.5 (e)0.5 (c)0.5 (e)0.6 (mb)0.5 (e)0.6 (r)13 ( )0.5 (3)13 (1)13 (,)13 ( )0.5 (2)13 (0)13 (1)13 (8)13 ( )0.5 (a)0.5 (n)0.5 (d)13 ( )0.5 (J)0.5 (u)0.5 (n)0.5 (e)13 ( )0.5 (3)13 (0)13 (,)13 ( )0.5 (2)13 (0)13 (1)13 (9)13 (,)40 ( )]TJ 0.025 Tc 0.024 Tw T* (deposits from customers represented 69.5% and 74.1% of the )Tj 0 Tw T* (total liabilities, respectively.)Tj 0.085 Tc 0.07 Tw 0 -2.462 TD [(We)12.6 ( offer)12.6 ( RMB-denominated)12.6 ( demand)12.6 ( and)12.6 ( time)12.6 ( deposit)60 ( )]TJ 0.032 Tc 0.076 Tw 0 -1.231 TD [(products)7 ( )0.5 (to)7 ( )0.5 (corporate)7 ( )0.5 (and)7 ( )0.5 (retail)7 ( )0.6 (customers.)7 ( )0.5 (The)7 ( )0.5 (table)7.1 ( )0.5 (below)7 ( )]TJ 0.03 Tc 0.078 Tw T* [(sets)5 ( )0.6 (forth)5 ( )0.5 (deposits)5 ( )0.5 (from)5 ( )0.5 (customers)5 ( )0.5 (by)5 ( )0.5 (product)5 ( )0.5 (and)5 ( )0.5 (customer)5 ( )]TJ 0.025 Tc 0 Tw T* (type as of the dates indicated.)Tj /T1_1 1 Tf 0.01 Tc 9.1 0 0 13 198.4252 584.3179 Tm (\(Expressed in millions of )Tj 0.005 Tc T* (RMB, unless otherwise stated\))Tj 0.025 Tc 14.963 1.231 Td (As of June 30, 2019)Tj /T1_0 1 Tf 11.384 0 Td (As of December 31, 2018)Tj /T1_1 1 Tf -0.025 Tw -11.282 -1.231 Td (Amount)Tj 0 Tw 5.353 0 Td (% of total)Tj /T1_0 1 Tf -0.025 Tw 7.329 0 Td (Amount)Tj 0 Tw 5.464 0 Td (% of total)Tj /T1_1 1 Tf -0.025 Tw 9.1 0 3.4833 13 408.2473 552.3179 Tm (\(%\))Tj /T1_0 1 Tf 12.627 0 Td (\(%\))Tj /T1_1 1 Tf 0 Tw 9.1 0 0 13 198.4252 520.3179 Tm (Corporate deposits)Tj 0 Tc 18.14 0 Td ( )Tj 6.23 0 Td ( )Tj /T1_0 1 Tf 6.23 0 Td ( )Tj 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w q 1 0 0 1 323.1497 444.4115 cm 0 0 m 45.354 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 9.1 0 0 13 363.4991 445.645 Tm ( )Tj ET 2.5 w q 1 0 0 1 379.8426 447.744 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 379.8426 444.4115 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 420.192 445.645 Tm ( )Tj ET 2.5 w q 1 0 0 1 436.5356 447.744 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 436.5356 444.4115 cm 0 0 m 45.354 0 l S Q BT /T1_0 1 Tf 9.1 0 0 13 476.8849 445.645 Tm ( )Tj ET 2.5 w q 1 0 0 1 493.2285 447.744 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 493.2285 444.4115 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 533.5778 445.645 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -36.83 -2.462 Td (Retail deposits)Tj /T1_0 1 Tf 0 -1.231 Td (Demand deposits)Tj /T1_1 1 Tf -0.025 Tw 15.015 0 Td (23,871.0 )Tj 8.08 0 Td (10.1 )Tj /T1_0 1 Tf 4.38 0 Td (24,114.6)Tj 8.08 0 Td (11.4)Tj 0 Tw -35.555 -1.231 Td (Time deposits)Tj /T1_1 1 Tf -0.025 Tw 14.49 0 Td (103,848.9 )Tj 8.605 0 Td (44.2 )Tj /T1_0 1 Tf 4.38 0 Td (83,018.5)Tj 8.08 0 Td (39.4)Tj ET 0.5 w q 1 0 0 1 323.1498 377.2349 cm 0 0 m 45.354 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 9.1 0 0 13 363.4992 378.6359 Tm ( )Tj ET q 1 0 0 1 379.8427 377.2349 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 420.1921 378.6359 Tm ( )Tj ET q 1 0 0 1 436.5357 377.2349 cm 0 0 m 45.354 0 l S Q BT /T1_0 1 Tf 9.1 0 0 13 476.885 378.6359 Tm ( )Tj ET q 1 0 0 1 493.2286 377.2349 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 533.5779 378.6359 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -0.025 Tw -36.83 -2.462 Td (Subtotal)Tj 14.49 0 Td (127,719.9 )Tj 8.605 0 Td (54.3 )Tj /T1_0 1 Tf 3.855 0 Td (107,133.1)Tj 8.605 0 Td (50.8)Tj ET 2.5 w q 1 0 0 1 323.1499 341.0714 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 323.1499 337.7389 cm 0 0 m 45.354 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 9.1 0 0 13 363.4993 338.9724 Tm ( )Tj ET 2.5 w q 1 0 0 1 379.8428 341.0714 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 379.8428 337.7389 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 420.1922 338.9724 Tm ( )Tj ET 2.5 w q 1 0 0 1 436.5357 341.0714 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 436.5357 337.7389 cm 0 0 m 45.354 0 l S Q BT /T1_0 1 Tf 9.1 0 0 13 476.8851 338.9724 Tm ( )Tj ET 2.5 w q 1 0 0 1 493.2286 341.0714 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 493.2286 337.7389 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 533.578 338.9724 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -36.83 -2.462 Td (Pledged deposits)Tj -0.025 Tw 15.015 0 Td (15,851.2 )Tj 8.605 0 Td (6.7 )Tj /T1_0 1 Tf 3.855 0 Td (16,500.1)Tj 8.605 0 Td (7.8)Tj ET 0.5 w q 1 0 0 1 323.15 302.5623 cm 0 0 m 45.354 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 9.1 0 0 13 363.4993 303.9633 Tm ( )Tj ET q 1 0 0 1 379.8429 302.5623 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 420.1922 303.9633 Tm ( )Tj ET q 1 0 0 1 436.5358 302.5623 cm 0 0 m 45.354 0 l S Q BT /T1_0 1 Tf 9.1 0 0 13 476.8852 303.9633 Tm ( )Tj ET q 1 0 0 1 493.2287 302.5623 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 533.5781 303.9633 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -0.025 Tw -36.83 -2.462 Td (Others)Tj 5.3053 0 0 7.579 226.5806 277.1632 Tm (\(1\))Tj 9.1 0 0 13 335.0618 271.9633 Tm (13,547.1 )Tj 8.605 0 Td (5.7 )Tj /T1_0 1 Tf 3.855 0 Td (14,650.2)Tj 8.605 0 Td (7.0)Tj ET q 1 0 0 1 323.15 267.5532 cm 0 0 m 45.354 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 9.1 0 0 13 363.4994 268.9542 Tm ( )Tj ET q 1 0 0 1 379.8429 267.5532 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 420.1923 268.9542 Tm ( )Tj ET q 1 0 0 1 436.5359 267.5532 cm 0 0 m 45.354 0 l S Q BT /T1_0 1 Tf 9.1 0 0 13 476.8852 268.9542 Tm ( )Tj ET q 1 0 0 1 493.2288 267.5532 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 533.5781 268.9542 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -36.83 -2.462 Td (Total deposits from )Tj -0.025 Tw 0.934 -1.231 Td (customers)Tj 13.555 0 Td (235,622.9 )Tj 8.08 0 Td (100.0 )Tj /T1_0 1 Tf 4.38 0 Td (210,723.3)Tj 8.08 0 Td (100.0)Tj ET 2.5 w q 1 0 0 1 323.1501 215.3897 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 323.1501 212.0572 cm 0 0 m 45.354 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 9.1 0 0 13 363.4995 213.2906 Tm ( )Tj ET 2.5 w q 1 0 0 1 379.843 215.3897 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 379.843 212.0572 cm 0 0 m 45.354 0 l S Q BT /T1_0 1 Tf 9.1 0 0 13 420.1924 213.2906 Tm ( )Tj ET 2.5 w q 1 0 0 1 436.536 215.3897 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 436.536 212.0572 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 476.8853 213.2906 Tm ( )Tj ET 2.5 w q 1 0 0 1 493.2289 215.3897 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 493.2289 212.0572 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 533.5782 213.2906 Tm ( )Tj 0.025 Tc -0.025 Tw 11 0 2.9474 11 197.2969 184.9416 Tm (Note:)Tj 6.413 0 0 6.413 198.4258 161.3416 Tm (\(1\))Tj 0 Tw 11 0 0 11 206.3842 156.9416 Tm [( )-1578.5 (Deposits raised from other investment vehicles.)]TJ ET endstream endobj 190 0 obj <>stream BT 0 0 0 1 k /Perceptual ri /GS0 gs /T1_0 1 Tf 0.025 Tc 12 0 0 12 281.8878 18.7502 Tm (\226 29 \226)Tj 0.054 Tc 0.07 Tw 13 0 0 13 198.4252 776.3179 Tm [(I)0.5 (n)0.6 (v)0.5 (e)0.6 (s)0.5 (t)0.6 (m)0.5 (e)0.6 (n)0.5 (t)13.1 ( )0.5 (s)0.5 (e)0.6 (c)0.6 (u)0.5 (r)0.5 (i)0.6 (t)0.5 (i)0.6 (e)0.5 (s)13.1 ( )0.5 (a)0.6 (n)0.5 (d)13.1 ( )0.5 (o)0.6 (t)0.5 (h)0.5 (e)0.6 (r)13 ( )0.6 (f)0.5 (i)0.6 (n)0.5 (a)0.6 (n)0.5 (c)0.6 (i)0.5 (a)0.6 (l)13 ( )0.5 (a)0.6 (s)0.5 (s)0.6 (e)0.5 (t)0.6 (s)13 ( )0.6 (p)0.5 (r)0.6 (i)0.5 (m)0.5 (a)0.6 (r)0.6 (i)0.5 (l)0.5 (y)29 ( )]TJ 0.047 Tc 0 -1.231 TD [(include)12.1 ( debt)12 ( securities,)12.1 ( asset)12.1 ( management)12 ( plans)12.1 ( issued)12.1 ( by)22 ( )]TJ 0.036 Tc 0.072 Tw T* [(other)11 ( )0.5 (financial)11 ( )0.5 (institutions,)11 ( )0.5 (trust)11 ( )0.5 (plans,)11 ( )0.5 (wealth)11 ( )0.5 (management)11 ( )]TJ 0.082 Tc 0.07 Tw T* [(pr)0.5 (od)0.5 (uc)0.5 (ts)13 ( a)0.5 (nd)12.9 ( )0.5 (fu)0.5 (nd)13 ( pr)0.5 (od)0.5 (uct)0.5 (s.)13 ( I)0.5 (nv)0.5 (est)0.5 (me)0.5 (nt)13 ( s)0.5 (ec)0.5 (ur)0.5 (iti)0.5 (es)13 ( a)0.5 (nd)57 ( )]TJ 0.069 Tc T* [(o)0.5 (th)0.5 (er)13 ( )0.5 (fi)0.5 (n)0.5 (an)0.5 (c)0.5 (ia)0.5 (l)13 ( a)0.5 (s)0.5 (se)0.5 (t)0.5 (s)12.9 ( )0.5 (i)0.5 (nc)0.5 (r)0.5 (ea)0.5 (s)0.5 (e)0.5 (d)12.9 ( )0.5 (by)13 ( )0.5 (RM)0.5 (B)13 (9)12.9 (,)13 (6)12.9 (0)13 (1)13 (.)12.9 (0)13 ( )0.5 (mi)0.5 (ll)0.5 (io)0.5 (n)44 ( )]TJ 0.047 Tc 0.082 Tw T* [(f)-12.2 (r)-12.3 (o)-12.2 (m R)-12.2 (M)-12.2 (B105,605.8 m)-12.2 (i)-12.3 (l)-12.2 (l)-12.2 (i)-12.3 (o)-12.2 (n a)-12.2 (s o)-12.2 (f D)-12.2 (e)-12.3 (c)-12.2 (e)-12.2 (m)-12.3 (b)-12.2 (e)-12.2 (r 31, 2018 t)-12.2 (o)22 ( )]TJ 0.038 Tc 0.083 Tw T* [(R)-12.5 (M)-12.5 (B115,206.8 )0.5 (m)-12.5 (i)-12.5 (l)-12.6 (l)-12.5 (i)-12.5 (o)-12.5 (n a)-12.5 (s )0.5 (o)-12.5 (f )0.5 (J)-12.5 (u)-12.6 (n)-12.5 (e )0.5 (30, )0.5 (2019. )0.5 (T)-12.5 (h)-12.5 (i)-12.5 (s i)-12.5 (n)-12.5 (c)-12.5 (r)-12.5 (e)-12.5 (a)-12.5 (s)-12.5 (e)13 ( )]TJ 0.025 Tc 0.001 Tw 0 -1.231 TD (primarily reflected the adjustment of our investment portfolio )Tj 0 Tw 0 -1.231 TD (based on market conditions and other factors.)Tj 0.584 Tw 13 0 3.4833 13 140.3981 616.3179 Tm [(\(ii\) )0.5 (Liabilities)]TJ 0.005 Tw 13 0 0 13 170.0787 584.3179 Tm (As of June 30, 2019 and December 31, 2018, the total liabilities of )Tj 0.024 Tc 0 Tw T* [(the Bank were RMB318,082.6 million and RMB303,374.8 million,)-1 ( )]TJ 0.07 Tc 0.07 Tw T* [(r)0.5 (e)0.6 (s)0.5 (p)0.5 (e)0.5 (c)0.6 (t)0.5 (i)0.5 (v)0.6 (e)0.5 (l)0.5 (y)0.5 (.)13.1 ( )0.5 (M)0.5 (a)0.5 (j)0.6 (o)0.5 (r)13 ( )0.5 (c)0.6 (o)0.5 (m)0.5 (p)0.5 (o)0.6 (n)0.5 (e)0.5 (n)0.5 (t)0.5 (s)13.1 ( )0.5 (o)0.5 (f)13 ( )0.6 (t)0.5 (h)0.5 (e)13.1 ( )0.5 (l)0.5 (i)0.5 (a)0.6 (b)0.5 (i)0.5 (l)0.5 (i)0.5 (t)0.6 (i)0.5 (e)0.5 (s)13 ( )0.6 (i)0.5 (n)0.5 (c)0.6 (l)0.5 (u)0.5 (d)0.5 (e)13.1 ( )0.5 (\()0.5 (i)0.5 (\))45 ( )]TJ 0.025 Tc 0.074 Tw T* (deposits from customers; \(ii\) debt securities issued; \(iii\) financia\ l )Tj 0.038 Tc 0.07 Tw T* [(assets)12.8 ( sold)12.8 ( under)12.8 ( repurchase)12.8 ( agreements;)12.9 ( and)12.8 ( \(iv\))12.8 ( deposits)12.8 ( from)12.9 ( )]TJ 0.032 Tc 0.076 Tw T* [(banks)7 ( )0.5 (and)7 ( )0.5 (other)7 ( )0.5 (financial)7 ( )0.6 (institutions.)7 ( )0.5 (The)7 ( )0.5 (table)7 ( )0.6 (below)7 ( )0.6 (sets)6.9 ( )0.6 (forth)7 ( )]TJ 0.025 Tc 0 Tw T* (the components of total liabilities as of the dates indicated.)Tj /T1_1 1 Tf 0.01 Tc 9.1 0 0 13 170.0787 456.3179 Tm (\(Expressed in millions of RMB, )Tj T* (unless otherwise stated\))Tj 0.025 Tc 18.078 1.231 Td (As of June 30, 2019)Tj /T1_0 1 Tf 11.384 0 Td (As of December 31, 2018)Tj /T1_1 1 Tf -0.025 Tw -11.282 -1.231 Td (Amount)Tj 0 Tw 5.353 0 Td (% of total)Tj /T1_0 1 Tf -0.025 Tw 7.329 0 Td (Amount)Tj 0 Tw 5.464 0 Td (% of total)Tj /T1_1 1 Tf -0.025 Tw 9.1 0 3.4833 13 408.2473 424.3179 Tm (\(%\))Tj /T1_0 1 Tf 12.627 0 Td (\(%\))Tj 0 Tw 9.1 0 0 13 170.0788 392.3179 Tm (Deposits from customers)Tj /T1_1 1 Tf -0.025 Tw 17.605 0 Td (235,622.9 )Tj 8.605 0 Td (74.1 )Tj /T1_0 1 Tf 3.855 0 Td (210,723.3)Tj 8.605 0 Td (69.5)Tj 0 Tw -38.67 -1.231 Td (Deposits from banks and other )Tj 0.934 -1.231 Td (financial institutions)Tj /T1_1 1 Tf -0.025 Tw 17.195 0 Td (13,925.7 )Tj 8.605 0 Td (4.4 )Tj /T1_0 1 Tf 3.855 0 Td (15,513.8)Tj 8.605 0 Td (5.1)Tj 0.024 Tc 0 Tw -39.195 -1.231 Td [(F)0.5 (i)0.6 (n)0.5 (a)0.6 (n)0.5 (c)0.5 (i)0.6 (a)0.5 (l)0.6 ( )0.5 (a)0.6 (s)0.5 (s)0.6 (e)0.5 (t)0.6 (s)0.5 ( )0.5 (s)0.6 (o)0.5 (l)0.5 (d)0.6 ( )0.5 (u)0.6 (n)0.5 (d)0.5 (e)0.6 (r)0.5 ( )0.6 (r)0.5 (e)0.6 (p)0.5 (u)0.6 (r)0.5 (c)0.6 (h)0.5 (a)0.5 (s)0.6 (e)-1 ( )]TJ 0.025 Tc -0.025 Tw 0.934 -1.231 Td (agreements)Tj /T1_1 1 Tf 17.72 0 Td (5,135.5 )Tj 8.08 0 Td (1.6 )Tj /T1_0 1 Tf 3.855 0 Td (11,717.0)Tj 8.605 0 Td (3.9)Tj 0 Tw -39.195 -1.231 Td (Debt securities issued)Tj /T1_1 1 Tf -0.025 Tw 18.13 0 Td (43,436.9 )Tj 8.08 0 Td (13.7 )Tj /T1_0 1 Tf 4.38 0 Td (41,576.8)Tj 8.08 0 Td (13.7)Tj 0 Tw -38.67 -1.231 Td (Borrowings from the central bank)Tj /T1_1 1 Tf -0.025 Tw 18.655 0 Td (6,183.8 )Tj 8.08 0 Td (1.9 )Tj /T1_0 1 Tf 3.855 0 Td (11,650.9)Tj 8.605 0 Td (3.8)Tj 0 Tw -39.195 -1.231 Td (Placements from banks and other )Tj 0.934 -1.231 Td (financial institutions)Tj /T1_1 1 Tf -0.025 Tw 17.72 0 Td (3,010.0)Tj 8.08 0 Td (0.9 )Tj /T1_0 1 Tf 4.38 0 Td (3,300.0)Tj 8.08 0 Td (1.1)Tj 0 Tw -39.195 -1.231 Td (Other liabilities)Tj -0.025 Tw 5.3053 0 0 7.579 230.8206 253.5179 Tm (\(1\))Tj /T1_1 1 Tf 9.1 0 0 13 335.0615 248.3179 Tm (10,767.8)Tj 8.605 0 Td (3.4 )Tj /T1_0 1 Tf 4.38 0 Td (8,893.0)Tj 8.08 0 Td (2.9)Tj ET 0 0 0 1 K 0.5 w q 1 0 0 1 323.1497 243.9079 cm 0 0 m 45.354 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 9.1 0 0 13 363.499 245.3089 Tm ( )Tj ET q 1 0 0 1 379.8426 243.9079 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 420.1919 245.3089 Tm ( )Tj ET q 1 0 0 1 436.5355 243.9079 cm 0 0 m 45.354 0 l S Q BT /T1_0 1 Tf 9.1 0 0 13 476.8849 245.3089 Tm ( )Tj ET q 1 0 0 1 493.2284 243.9079 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 533.5778 245.3089 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -39.945 -2.462 Td (Total liabilities)Tj -0.025 Tw 17.605 0 Td (318,082.6)Tj 8.08 0 Td (100.0 )Tj /T1_0 1 Tf 4.38 0 Td (303,374.8)Tj 8.08 0 Td (100.0)Tj ET 2.5 w q 1 0 0 1 323.1497 207.7443 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 323.1497 204.4118 cm 0 0 m 45.354 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 9.1 0 0 13 363.4991 205.6453 Tm ( )Tj ET 2.5 w q 1 0 0 1 379.8426 207.7443 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 379.8426 204.4118 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 420.192 205.6453 Tm ( )Tj ET 2.5 w q 1 0 0 1 436.5355 207.7443 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 436.5355 204.4118 cm 0 0 m 45.354 0 l S Q BT /T1_0 1 Tf 9.1 0 0 13 476.8849 205.6453 Tm ( )Tj ET 2.5 w q 1 0 0 1 493.2284 207.7443 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 493.2284 204.4118 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 533.5778 205.6453 Tm ( )Tj 0.025 Tc -0.025 Tw 11 0 2.9474 11 168.9499 177.2963 Tm (Note:)Tj 6.413 0 0 6.413 170.0788 153.6963 Tm (\(1\))Tj 0.038 Tc 0.07 Tw 11 0 0 11 178.0372 149.2963 Tm [( )-1495.5 (P)0.5 (r)0.5 (im)0.5 (a)0.5 (ri)0.5 (l)0.5 (y)12.9 ( )0.5 (i)0.5 (nc)0.5 (l)0.5 (ud)0.5 (e)13 ( i)0.5 (n)0.5 (te)0.5 (r)0.5 (es)0.5 (t)13 ( p)0.5 (a)0.5 (y)0.5 (ab)0.5 (l)0.5 (e,)13 ( )0.5 (ta)0.5 (x)0.5 (e)0.5 (s)12.9 ( )0.5 (pa)0.5 (y)0.5 (a)0.5 (bl)0.5 (e)0.5 (,)12.9 ( )0.5 (s)0.5 (ta)0.5 (f)0.5 (f)13 ( c)0.5 (o)0.5 (st)0.5 (s)0.5 (,)12.9 ( )0.5 (d)0.5 (ef)0.5 (e)0.5 (r)0.5 (re)0.5 (d)13 ( )]TJ 0.025 Tc 0 Tw 1.853 -1.273 Td (tax liabilities, lease liabilities and other liabilities.)Tj ET endstream endobj 189 0 obj <>stream BT 0 0 0 1 k /Perceptual ri /GS0 gs /T1_0 1 Tf 0.025 Tc 12 0 0 12 281.8878 18.7502 Tm (\226 28 \226)Tj 0.069 Tc 0.07 Tw 13 0 0 13 198.4252 776.3179 Tm [(Unsecured)12.5 ( loans)12.5 ( decreased)12.6 ( by)12.6 ( 3)12.5 (.)12.6 (1)12.5 (%)12.5 ( from)12.5 ( RMB)12.5 (1)12.5 (7)12.6 (,)12.5 (8)12.5 (4)12.6 (2)12.5 (.)12.5 (6)44 ( )]TJ 0.048 Tc 0 -1.231 TD [(million)12.2 ( as)12.2 ( of)12.1 ( December)12.1 ( 3)12.1 (1)12.2 (,)12.1 ( 2)12.1 (0)12.2 (1)12.1 (8)12.2 ( to)12.2 ( RMB)12.1 (1)12.2 (7)12.1 (,)12.2 (2)12.1 (8)12.2 (6)12.1 (.)12.2 (8)12.1 ( million)23 ( )]TJ T* [(as)13 ( of)12.9 ( )0.5 (June)13 ( 3)12.9 (0)12.9 (,)12.9 ( 2)13 (0)12.9 (1)12.9 (9)12.9 (.)12.9 ( )0.5 (The)13 ( bala)0.5 (nce)13 ( of)12.9 ( )0.5 (unsec)0.5 (ured)13 ( loa)0.5 (ns)12.9 ( w)0.5 (ere)23 ( )]TJ 0.025 Tc 0 Tw T* (relatively stable.)Tj 0.058 Tw 0 -2.462 TD (Change to the provisions for impairment losses on loans and )Tj 0 Tw 0 -1.231 TD (advances to customers)Tj 0.048 Tc 0.07 Tw 0 -2.462 TD [(T)0.5 (h)0.6 (e)13 ( )0.5 (t)0.6 (a)0.5 (b)0.5 (l)0.6 (e)13 ( )0.5 (b)0.6 (e)0.5 (l)0.5 (o)0.6 (w)13 ( )0.5 (s)0.6 (e)0.5 (t)0.5 (s)13.1 ( )0.5 (f)0.5 (o)0.6 (r)0.5 (t)0.5 (h)13.1 ( )0.5 (t)0.5 (h)0.6 (e)13 ( )0.5 (c)0.6 (h)0.5 (a)0.5 (n)0.6 (g)0.5 (e)13 ( )0.6 (t)0.5 (o)13 ( )0.6 (t)0.5 (h)0.5 (e)13 ( )0.6 (p)0.5 (r)0.6 (o)0.5 (v)0.5 (i)0.5 (s)0.6 (i)0.5 (o)0.5 (n)13 ( )0.6 (f)0.5 (o)0.6 (r)22.9 ( )]TJ 0.026 Tc 0.082 Tw 0 -1.231 TD [(impairment)1 ( )0.5 (losses)1 ( )0.5 (on)1 ( )0.5 (loans)1 ( )0.5 (and)1 ( )0.5 (advances)1 ( )0.5 (to)1 ( )0.5 (customers)1 ( )0.5 (as)1 ( )0.6 (of)1 ( )]TJ 0.025 Tc 0 Tw T* (the dates indicated.)Tj /T1_1 1 Tf 10.4 0 0 13 198.4252 568.3179 Tm (\(Expressed in millions of RMB, unless )Tj T* (otherwise stated\))Tj 23.599 2.462 Td (As of )Tj -1.437 -1.231 Td (June 30, )Tj -0.025 Tw 1.656 -1.231 Td (2019)Tj /T1_0 1 Tf 0 Tw 6.595 2.462 Td (As of )Tj -3.59 -1.231 Td (December 31, )Tj -0.025 Tw 3.809 -1.231 Td (2018)Tj 0 Tw -30.632 -2.462 Td (As at the beginning of the reporting period)Tj /T1_1 1 Tf -0.025 Tw 22.743 0 Td (6,251.5 )Tj /T1_0 1 Tf 6.814 0 Td (5,029.0)Tj 0 Tw -29.557 -1.231 Td (Implement new standard adjustment)Tj /T1_1 1 Tf 0 Tc 25.393 0 Td (\226)Tj /T1_0 1 Tf 0.025 Tc -0.025 Tw 5.489 0 Td (52.2)Tj 0 Tw -30.882 -1.231 Td (Charge for the period/year)Tj /T1_1 1 Tf -0.025 Tw 22.743 0 Td (2,165.3 )Tj /T1_0 1 Tf 6.814 0 Td (1,994.4)Tj 0 Tw -29.557 -1.231 Td (Write-off and others for the period/year)Tj /T1_1 1 Tf -0.025 Tw 22.36 0 Td (\(1,851.9\))Tj /T1_0 1 Tf 7.614 0 Td (\(824.8\))Tj 0 Tw -29.974 -1.231 Td (Reversal of write-offs for the previous years)Tj /T1_1 1 Tf -0.025 Tw 24.593 0 Td (1.0 )Tj /T1_0 1 Tf 6.814 0 Td (0.7)Tj ET 0 0 0 1 K 0.5 w q 1 0 0 1 408.1889 451.9078 cm 0 0 m 59.528 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 10.4 0 0 13 402.5197 453.3088 Tm ( )Tj ET q 1 0 0 1 479.0551 451.9078 cm 0 0 m 59.528 0 l S Q BT /T1_0 1 Tf 10.4 0 0 13 473.3858 453.3088 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -26.439 -2.462 Td (As of June 30/December 31)Tj -0.025 Tw 22.743 0 Td (6,565.9)Tj /T1_0 1 Tf 6.814 0 Td (6,251.5)Tj ET 2.5 w q 1 0 0 1 408.1889 415.7443 cm 0 0 m 59.528 0 l S Q 0.835 w q 1 0 0 1 408.189 412.4118 cm 0 0 m 59.528 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 10.4 0 0 13 402.5197 413.6453 Tm ( )Tj ET 2.5 w q 1 0 0 1 479.0551 415.7443 cm 0 0 m 59.528 0 l S Q 0.835 w q 1 0 0 1 479.0551 412.4118 cm 0 0 m 59.528 0 l S Q BT /T1_0 1 Tf 10.4 0 0 13 473.3858 413.6453 Tm ( )Tj 0.064 Tc 0.07 Tw 13 0 0 13 198.4252 383.2963 Tm [(Provisions)12.3 ( for)12.2 ( impairment)12.3 ( losses)12.2 ( on)12.3 ( loans)12.3 ( and)12.2 ( advances)39 ( )]TJ 0.121 Tc T* [(increased)12.7 ( by)12.8 ( 5)12.7 (.)12.7 (0)12.7 (%)12.7 ( from)12.7 ( RMB)12.7 (6)12.7 (,)12.7 (2)12.7 (5)12.7 (1)12.8 (.)12.7 (5)12.7 ( million)12.7 ( as)12.8 ( of)96 ( )]TJ 0.036 Tc 0.083 Tw T* [(D)-12.6 (e)-12.5 (c)-12.6 (e)-12.6 (m)-12.6 (b)-12.5 (e)-12.6 (r 31, 2018 t)-12.6 (o R)-12.5 (M)-12.6 (B6,565.9 m)-12.6 (i)-12.5 (l)-12.6 (l)-12.6 (i)-12.6 (o)-12.6 (n a)-12.6 (s o)-12.5 (f J)-12.6 (u)-12.6 (n)-12.5 (e 30,)11 ( )]TJ 0.059 Tc 0.07 Tw T* [(2)12.8 (0)12.7 (1)12.8 (9)12.7 (,)12.8 ( primarily)12.8 ( due)12.8 ( the)12.8 ( increase)12.8 ( in)12.8 ( the)12.7 ( Bank\222s)12.8 ( provision)34 ( )]TJ 0.06 Tc T* [(for)12.9 ( )0.5 (impairme)0.5 (nt)12.9 ( losse)0.5 (s)12.9 ( to)12.9 ( c)0.5 (ounter)12.9 ( )0.5 (against)13 ( macroe)0.5 (conomic)35 ( )]TJ 0.025 Tc -0.025 Tw T* (operation.)Tj 0 Tw -2.181 -2.462 Td [(\(B\) )-497.5 (Investment securities and other financial assets)]TJ 0.047 Tc 0.083 Tw 2.181 -2.462 Td [(A)-12.5 (s )0.5 (o)-12.5 (f )0.5 (J)-12.5 (u)-12.4 (n)-12.5 (e )0.5 (30, )0.5 (2019 )0.5 (a)-12.5 (n)-12.5 (d )0.5 (D)-12.5 (e)-12.4 (c)-12.5 (e)-12.5 (m)-12.5 (b)-12.5 (e)-12.5 (r )0.5 (31, )0.5 (2018, )0.5 (t)-12.5 (h)-12.5 (e )0.5 (B)-12.5 (a)-12.5 (n)-12.5 (k)-12.5 (\222)-12.5 (s)22 ( )]TJ 0.059 Tc 0.07 Tw T* [(investment)12.2 ( securities)12.2 ( and)12.2 ( other)12.3 ( financial)12.2 ( assets)12.2 ( \(original)34 ( )]TJ 0.054 Tc T* [(value)12.2 ( without)12.2 ( deducting)12.1 ( provisions)12.2 ( for)12.2 ( impairment\))12.2 ( were)29 ( )]TJ 0.104 Tc 0.083 Tw T* [(R)-12.5 (M)-12.4 (B115,206.8 )0.5 (m)-12.5 (i)-12.4 (l)-12.5 (l)-12.5 (i)-12.4 (o)-12.5 (n )0.6 (a)-12.5 (n)-12.4 (d )0.5 (R)-12.4 (M)-12.5 (B105,605.8 )0.5 (m)-12.4 (i)-12.5 (l)-12.5 (l)-12.4 (i)-12.5 (o)-12.4 (n)-12.5 (,)79 ( )]TJ 0.025 Tc 0 Tw T* (representing 33.6% and 32.1% of total assets, respectively.)Tj ET endstream endobj 188 0 obj <>stream BT 0 0 0 1 k /Perceptual ri /GS0 gs /T1_0 1 Tf 0.025 Tc 12 0 0 12 281.8878 18.7502 Tm (\226 27 \226)Tj 0.096 Tc 0.07 Tw 13 0 0 13 198.4252 776.3179 Tm [(The)12.6 ( Bank\222s)12.6 ( retail)12.6 ( loans)12.6 ( mainly)12.6 ( comprise)12.6 ( of)12.6 ( personal)71 ( )]TJ 0.04 Tc 0 -1.231 TD [(business)12.3 ( loans,)12.3 ( personal)12.3 ( consumption)12.2 ( loans)12.2 ( and)12.2 ( residential)15 ( )]TJ 0.06 Tc T* [(an)0.5 (d)12.9 ( )0.5 (com)0.5 (me)0.5 (rc)0.5 (ia)0.5 (l)12.9 ( m)0.5 (or)0.5 (tga)0.5 (ge)13 ( l)0.5 (oa)0.5 (ns.)13 ( T)0.5 (he)13 ( Ba)0.5 (nk)0.5 (\222s)13 ( re)0.5 (ta)0.5 (il)13 ( lo)0.5 (an)0.5 (s)35 ( )]TJ 0.083 Tc 0.083 Tw T* [(i)-12.5 (n)-12.4 (c)-12.5 (r)-12.4 (e)-12.4 (a)-12.5 (s)-12.4 (e)-12.5 (d )0.6 (b)-12.5 (y )0.5 (15.7% )0.6 (f)-12.5 (r)-12.4 (o)-12.5 (m )0.6 (R)-12.5 (M)-12.4 (B28,025.2 )0.5 (m)-12.5 (i)-12.4 (l)-12.5 (l)-12.4 (i)-12.5 (o)-12.4 (n )0.5 (a)-12.4 (s )0.6 (o)-12.5 (f)58 ( )]TJ 0.06 Tc 0.082 Tw T* [(D)-12.4 (e)-12.4 (c)-12.3 (e)-12.4 (m)-12.4 (b)-12.4 (e)-12.4 (r 31, 2018 t)-12.4 (o R)-12.4 (M)-12.4 (B32,421.0 m)-12.4 (i)-12.4 (l)-12.4 (l)-12.4 (i)-12.4 (o)-12.4 (n a)-12.4 (s o)-12.4 (f J)-12.4 (u)-12.4 (n)-12.4 (e)35 ( )]TJ 0.04 Tc 0.07 Tw T* [(3)12.9 (0)12.9 (,)12.9 ( )0.5 (2)12.9 (0)12.9 (1)12.9 (9)12.9 (,)12.9 ( )0.5 (prima)0.5 (rily)12.9 ( )0.5 (due)12.9 ( to)13 ( \(i\))12.9 ( )0.5 (the)12.9 ( B)0.5 (ank\222s)13 ( eff)0.5 (orts)12.9 ( )0.5 (to)12.9 ( sup)0.5 (port)15 ( )]TJ 0.041 Tc T* [(the)12.5 ( financing)12.5 ( needs)12.5 ( of)12.5 ( small)12.5 ( and)12.5 ( medium-sized)12.5 ( enterprises)16 ( )]TJ 0.037 Tc 0.071 Tw 0 -1.231 TD [(\(including)12 ( )0.5 (sole)12 ( )0.5 (proprietors\);)12 ( )0.5 (and)12 ( )0.5 (\(ii\))12 ( )0.5 (the)12 ( )0.5 (increased)12 ( )0.5 (personal)12 ( )]TJ 0.025 Tc 0 Tw 0 -1.231 TD (housing mortgage loans.)Tj 0 -2.462 TD (Loans and advances to customers by type of collateral)Tj 0.033 Tc 0.075 Tw T* [(The)8 ( )0.5 (table)8 ( )0.5 (below)8 ( )0.5 (sets)8 ( )0.5 (forth)8 ( )0.5 (loans)8 ( )0.5 (and)8 ( )0.5 (advances)8 ( )0.5 (to)8 ( )0.5 (customers)8 ( )]TJ 0.047 Tc 0.07 Tw 0 -1.231 TD [(by)12.1 ( type)12.1 ( of)12.1 ( collateral)12.2 ( as)12.2 ( of)12.2 ( the)12.1 ( dates)12.1 ( indicated.)12.2 ( If)12.2 ( a)12.1 ( loan)12.1 ( is)22.1 ( )]TJ 0.032 Tc 0.076 Tw T* [(s)0.6 (e)0.5 (c)0.6 (u)0.5 (r)0.6 (e)0.5 (d)7 ( )0.6 (b)0.5 (y)7 ( )0.5 (m)0.5 (u)0.6 (l)0.5 (t)0.6 (i)0.5 (p)0.6 (l)0.5 (e)7 ( )0.5 (f)0.6 (o)0.5 (r)0.6 (m)0.6 (s)6.9 ( )0.6 (o)0.5 (f)7 ( )0.5 (c)0.6 (o)0.5 (l)0.6 (l)0.5 (a)0.6 (t)0.5 (e)0.6 (r)0.6 (a)0.5 (l)0.6 (,)7 ( )0.5 (t)0.5 (h)0.6 (e)7 ( )0.5 (c)0.5 (l)0.6 (a)0.6 (s)0.5 (s)0.6 (i)0.5 (f)0.6 (i)0.5 (c)0.6 (a)0.5 (t)0.6 (i)0.5 (o)0.6 (n)7 ( )0.5 (i)0.5 (s)7 ( )]TJ 0.025 Tc 0 Tw T* (based on the primary form of collateral.)Tj /T1_1 1 Tf 0.01 Tc 9.1 0 0 13 198.4252 504.3179 Tm (\(Expressed in millions of )Tj 0.005 Tc T* (RMB, unless otherwise stated\))Tj 0.025 Tc 14.963 1.231 Td (As of June 30, 2019)Tj /T1_0 1 Tf 11.384 0 Td (As of December 31, 2018)Tj /T1_1 1 Tf -0.025 Tw -11.282 -1.231 Td (Amount)Tj 0 Tw 5.353 0 Td (% of total)Tj /T1_0 1 Tf -0.025 Tw 7.329 0 Td (Amount)Tj 0 Tw 5.464 0 Td (% of total)Tj /T1_1 1 Tf -0.025 Tw 9.1 0 3.4833 13 408.2473 472.3179 Tm (\(%\))Tj /T1_0 1 Tf 12.627 0 Td (\(%\))Tj 0 Tw 9.1 0 0 13 198.4252 440.3179 Tm (Collateralized loans)Tj /T1_1 1 Tf -0.025 Tw 15.015 0 Td (81,102.8 )Tj 8.08 0 Td (47.5 )Tj /T1_0 1 Tf 4.38 0 Td (77,917.8)Tj 8.08 0 Td (48.4)Tj 0 Tw -35.555 -1.231 Td (Pledged loans)Tj /T1_1 1 Tf -0.025 Tw 15.015 0 Td (12,766.5 )Tj 8.605 0 Td (7.5 )Tj /T1_0 1 Tf 3.855 0 Td (10,310.4)Tj 8.605 0 Td (6.4)Tj 0 Tw -36.08 -1.231 Td (Guaranteed loans)Tj /T1_1 1 Tf -0.025 Tw 15.015 0 Td (59,670.0 )Tj 8.08 0 Td (34.9 )Tj /T1_0 1 Tf 4.38 0 Td (54,814.5)Tj 8.08 0 Td (34.1)Tj 0 Tw -35.555 -1.231 Td (Unsecured loans)Tj /T1_1 1 Tf -0.025 Tw 15.015 0 Td (17,286.8 )Tj 8.08 0 Td (10.1 )Tj /T1_0 1 Tf 4.38 0 Td (17,842.6)Tj 8.08 0 Td (11.1)Tj ET 0 0 0 1 K 0.5 w q 1 0 0 1 323.1497 387.9078 cm 0 0 m 45.354 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 9.1 0 0 13 363.499 389.3088 Tm ( )Tj ET q 1 0 0 1 379.8426 387.9078 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 420.1919 389.3088 Tm ( )Tj ET q 1 0 0 1 436.5355 387.9078 cm 0 0 m 45.354 0 l S Q BT /T1_0 1 Tf 9.1 0 0 13 476.8849 389.3088 Tm ( )Tj ET q 1 0 0 1 493.2284 387.9078 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 533.5778 389.3088 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -36.83 -2.462 Td (Total loans and advances to )Tj -0.025 Tw 0.934 -1.231 Td (customers)Tj 13.555 0 Td (170,826.1 )Tj 8.08 0 Td (100.0 )Tj /T1_0 1 Tf 4.38 0 Td (160,885.3)Tj 8.08 0 Td (100.0)Tj ET 2.5 w q 1 0 0 1 323.1497 335.7443 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 323.1497 332.4118 cm 0 0 m 45.354 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 9.1 0 0 13 363.4991 333.6453 Tm ( )Tj ET 2.5 w q 1 0 0 1 379.8427 335.7443 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 379.8427 332.4118 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 420.192 333.6453 Tm ( )Tj ET 2.5 w q 1 0 0 1 436.5356 335.7443 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 436.5356 332.4118 cm 0 0 m 45.354 0 l S Q BT /T1_0 1 Tf 9.1 0 0 13 476.885 333.6453 Tm ( )Tj ET 2.5 w q 1 0 0 1 493.2285 335.7443 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 493.2285 332.4118 cm 0 0 m 45.354 0 l S Q BT 9.1 0 0 13 533.5779 333.6453 Tm ( )Tj 0.036 Tc 0.072 Tw 13 0 0 13 198.4254 303.2963 Tm [(As)11 ( of)11 ( )0.5 (June)11 ( )0.5 (3)11 (0)11 (,)11 ( )0.5 (2)11 (0)11 (1)11 (9)11 ( )0.5 (and)11 ( )0.5 (December)11 ( )0.5 (3)11 (1)11 (,)11 ( )0.5 (2)11 (0)11 (1)11 (8)11 (,)11 ( )0.5 (collateralized)11 ( )]TJ 0.039 Tc 0.07 Tw T* [(loans,)12.2 ( pledged)12.2 ( loans)12.2 ( and)12.2 ( guaranteed)12.2 ( loans)12.2 ( in)12.3 ( the)12.2 ( aggregate)14 ( )]TJ 0.051 Tc T* [(represented)12.5 ( 8)12.5 (9)12.4 (.)12.5 (9)12.5 (%)12.4 ( and)12.5 ( 8)12.5 (8)12.4 (.)12.5 (9)12.4 (%)12.5 ( of)12.5 ( total)12.4 ( loans)12.5 ( and)12.4 ( advances)26 ( )]TJ 0.029 Tc 0.079 Tw T* [(to)4 ( )0.5 (customers,)4 ( )0.5 (respectively.)4 ( )0.5 (Collateralized)4 ( )0.5 (loans)4 ( )0.5 (and)4 ( )0.5 (pledged)4 ( )]TJ 0.074 Tc 0.07 Tw T* [(l)0.5 (o)0.5 (a)0.6 (n)0.5 (s)13 ( )0.5 (a)0.5 (r)0.5 (e)13.1 ( )0.5 (s)0.5 (u)0.5 (b)0.5 (j)0.5 (e)0.6 (c)0.5 (t)13 ( )0.5 (t)0.5 (o)13 ( )0.6 (l)0.5 (o)0.5 (a)0.5 (n)0.5 (-)0.5 (t)0.5 (o)0.6 (-)0.5 (v)0.5 (a)0.5 (l)0.5 (u)0.5 (e)13.1 ( )0.5 (r)0.5 (a)0.5 (t)0.5 (i)0.5 (o)13 ( )0.6 (l)0.5 (i)0.5 (m)0.5 (i)0.5 (t)0.5 (s)13 ( )0.6 (b)0.5 (a)0.5 (s)0.5 (e)0.5 (d)13 ( )0.6 (o)0.5 (n)49 ( )]TJ 0.055 Tc T* [(the)12.7 ( type)12.6 ( of)12.6 ( collateral.)12.6 ( We)12.6 ( usually)12.6 ( only)12.6 ( accept)12.6 ( guarantees)30 ( )]TJ 0.08 Tc T* [(provided)12.6 ( by)12.6 ( listed)12.6 ( companies,)12.6 ( guarantee)12.6 ( companies)12.6 ( or)55 ( )]TJ 0.031 Tc 0.077 Tw T* [(guarantor)6 ( )0.5 (with)6 ( )0.5 (strong)6 ( )0.6 (guarantee)6.1 ( )0.5 (capacity)6 ( )0.5 (and)6 ( )0.5 (in)6 ( )0.5 (compliance)6 ( )]TJ 0.025 Tc 0.028 Tw T* [(with )0.5 (guarantee )0.6 (conditions. )0.5 (We )0.5 (evaluate )0.5 (a )0.6 (guarantee )0.5 (company )]TJ 0.032 Tc 0.076 Tw 0 -1.231 TD [(based)7 ( )0.5 (on)7 ( )0.5 (its)7 ( )0.5 (size,)7 ( )0.5 (credit)7 ( )0.5 (history)7 ( )0.5 (and)7 ( )0.5 (risk-resistance)7 ( )0.5 (level,)7 ( )0.5 (as)7 ( )]TJ 0.041 Tc 0.07 Tw 0 -1.231 TD [(well)12.6 ( as)12.5 ( the)12.6 ( value)12.6 ( and)12.6 ( quality)12.6 ( of)12.6 ( any)12.6 ( collateral)12.6 ( provided)12.6 ( by)16 ( )]TJ 0.025 Tc 0 Tw T* (the borrower.)Tj ET endstream endobj 187 0 obj <>stream BT 0 0 0 1 k /Perceptual ri /GS0 gs /T1_0 1 Tf 0.025 Tc 12 0 0 12 281.8878 18.7502 Tm (\226 26 \226)Tj -0.025 Tw 11 0 2.9474 11 168.9499 777.6839 Tm (Notes:)Tj 6.413 0 0 6.413 170.0787 754.0839 Tm (\(1\) )Tj 0.066 Tw 11 0 0 11 198.4252 749.6839 Tm (Include financial assets at amortized costs, financial assets at fair va\ lue )Tj 0.03 Tc 0.078 Tw 0 -1.273 TD [(through)5 ( )0.5 (other)5 ( )0.5 (comprehensive)5 ( )0.5 (income,)5 ( )0.5 (and)5 ( )0.5 (financial)4.9 ( )0.6 (assets)5 ( )0.5 (at)5 ( )0.5 (fair)5.1 ( )0.5 (value)5 ( )]TJ 0.025 Tc 0 Tw 0 -1.273 TD (through profit or loss.)Tj -0.025 Tw 6.413 0 0 6.413 170.0787 698.0839 Tm (\(2\))Tj 0.031 Tc 0.077 Tw 11 0 0 11 178.0371 693.6839 Tm [( )-1495.5 (Primarily)6 ( )0.5 (consist)6 ( )0.5 (of)6 ( )0.5 (property)6.1 ( )0.5 (and)6 ( )0.5 (equipment,)6 ( )0.5 (other)6 ( )0.5 (assets,)6 ( )0.5 (deferred)6 ( )0.5 (tax)6 ( )]TJ 0.054 Tc 0.07 Tw 1.853 -1.273 Td [(a)0.5 (ss)0.5 (e)0.5 (ts)0.5 (,)13 ( i)0.5 (n)0.5 (te)0.5 (r)0.5 (es)0.5 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0 Td (328,622.4)Tj 7.665 0 Td (100.0)Tj ET 2.5 w q 1 0 0 1 323.1496 111.7443 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 323.1496 108.4118 cm 0 0 m 45.354 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 9.75 0 0 13 363.1414 109.6453 Tm ( )Tj ET 2.5 w q 1 0 0 1 379.8425 111.7443 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 379.8425 108.4118 cm 0 0 m 45.354 0 l S Q BT /T1_0 1 Tf 9.75 0 0 13 419.8344 109.6453 Tm ( )Tj ET 2.5 w q 1 0 0 1 436.5354 111.7443 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 436.5354 108.4118 cm 0 0 m 45.354 0 l S Q BT 9.75 0 0 13 476.5273 109.6453 Tm ( )Tj ET 2.5 w q 1 0 0 1 493.2283 111.7443 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 493.2283 108.4118 cm 0 0 m 45.354 0 l S Q BT 9.75 0 0 13 533.2202 109.6453 Tm ( )Tj ET endstream endobj 220 0 obj <>stream BT 0 0 0 1 k /Perceptual ri /GS0 gs /T1_0 1 Tf 0.025 Tc 12 0 0 12 281.8878 18.7502 Tm (\226 24 \226)Tj 13 0 0 13 170.0787 776.3179 Tm [(\(D\) )-442.5 (Business tax and surcharges)]TJ 0.083 Tw 2.181 -2.462 Td [(The )0.5 (Bank )0.5 (pays taxes )0.5 (on interest )0.5 (income from )0.5 (loans, )0.5 (fee )0.5 (and )]TJ 0 Tw 0 -1.231 TD [(c)0.5 (o)0.5 (m)0.5 (m)0.5 (i)0.5 (s)0.5 (s)0.5 (i)0.5 (o)0.5 (n)0.5 ( )0.5 (i)0.5 (n)0.5 (c)0.5 (o)0.5 (m)0.5 (e)0.6 ( a)0.6 (n)0.5 (d)0.5 ( )0.5 (s)0.5 (e)0.5 (c)0.5 (u)0.5 (r)0.5 (i)0.5 (t)0.5 (i)0.5 (e)0.5 (s)0.5 ( )0.5 (t)0.5 (r)0.5 (a)0.5 (d)0.5 (i)0.5 (n)0.5 (g)0.5 ( )0.5 (g)0.5 (a)0.5 (i)0.5 (n)0.5 (s)0.5 (.)0.5 ( )0.5 (B)0.5 (u)0.5 (s)0.6 (in)0.5 (e)0.6 (s)0.5 (s)0.5 ( )0.5 (t)0.5 (a)0.5 (x )]TJ 0.035 Tw T* (and surcharges of the Bank remained relatively stable, which )Tj 0.062 Tc 0.07 Tw T* [(w)0.5 (e)0.5 (re)13 ( )0.5 (R)0.5 (MB)13 (3)13 (6)12.9 (.)13 (0)13 ( m)0.5 (i)0.5 (ll)0.5 (i)0.5 (on)13 ( )0.5 (an)0.5 (d)13 ( R)0.5 (M)0.5 (B)13 (3)12.9 (7)13 (.)13 (6)12.9 ( )0.5 (m)0.5 (il)0.5 (l)0.5 (io)0.5 (n)13 ( f)0.5 (o)0.5 (r)12.9 ( )0.5 (t)0.5 (he)13 ( )0.5 (s)0.5 (ix)37 ( )]TJ 0.025 Tc 0 Tw T* (months ended June 30, 2018 and 2019, respectively.)Tj 13 0 3.4833 13 140.3981 648.3179 Tm [(\(vii\) )-58.5 (Impairment losses on assets/credit)]TJ 0.006 Tw 13 0 0 13 170.0787 616.3179 Tm (The table below sets forth the principal components of impairment )Tj 0 Tw T* (losses on assets/credit for the periods indicated.)Tj /T1_1 1 Tf 10.4 0 0 13 170.0787 552.3179 Tm (\(Expressed in millions of RMB,)Tj T* (unless otherwise stated\))Tj 19.094 2.462 Td (Six months ended June 30,)Tj -0.025 Tw -2.09 -2.462 Td (2019)Tj /T1_0 1 Tf 5.451 0 Td (2018)Tj 0 Tw 2.862 1.231 Td (Increase or)Tj -0.025 Tw 1.047 -1.231 Td (decrease)Tj 4.456 1.231 Td (Percentage)Tj 1.655 -1.231 Td (change)Tj 10.4 0 3.4833 13 521.1392 520.3179 Tm (\(%\))Tj 0 Tw 10.4 0 0 13 170.0787 488.3179 Tm (Loans and advances to customers)Tj /T1_1 1 Tf -0.025 Tw 15.929 0 Td (2,165.4 )Tj /T1_0 1 Tf 6.251 0 Td (492.0)Tj 4.651 0 Td (1,673.4 )Tj 6.251 0 Td (340.1 )Tj 0 Tw -33.083 -1.231 Td (Investment assets)Tj /T1_1 1 Tf -0.025 Tw 16.729 0 Td (130.5 )Tj /T1_0 1 Tf 5.593 0 Td (\(36.7\))Tj 5.309 0 Td (167.2 )Tj 5.068 0 Td (\(455.6\))Tj 0 Tw -32.7 -1.231 Td (Other assets)Tj /T1_1 1 Tf -0.025 Tw 17.779 0 Td (7.0 )Tj /T1_0 1 Tf 5.451 0 Td (2.4)Tj 5.451 0 Td (4.6 )Tj 4.401 0 Td (191.7 )Tj 0 Tw -33.083 -1.231 Td (Impairment losses of acceptance )Tj 0.818 -1.231 Td (bill & letter of guarantee)Tj /T1_1 1 Tf -0.025 Tw 16.054 0 Td (\(13.2\))Tj /T1_0 1 Tf 5.834 0 Td (14.9)Tj 5.068 0 Td (\(28.1\))Tj 4.926 0 Td (\(188.6\))Tj ET 0 0 0 1 K 0.5 w q 1 0 0 1 323.1495 419.9078 cm 0 0 m 45.354 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 10.4 0 0 13 362.7839 421.3088 Tm ( )Tj ET q 1 0 0 1 379.8424 419.9078 cm 0 0 m 45.354 0 l S Q BT /T1_0 1 Tf 10.4 0 0 13 419.4768 421.3088 Tm ( )Tj ET q 1 0 0 1 436.5354 419.9078 cm 0 0 m 45.354 0 l S Q BT 10.4 0 0 13 476.1697 421.3088 Tm ( )Tj ET q 1 0 0 1 493.2283 419.9078 cm 0 0 m 45.354 0 l S Q BT 10.4 0 0 13 532.8626 421.3088 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -34.883 -2.462 Td (Total impairment losses on )Tj -0.025 Tw 0.818 -1.231 Td (assets)Tj 15.112 0 Td (2,289.7)Tj /T1_0 1 Tf 6.251 0 Td (472.6)Tj 4.651 0 Td (1,817.1 )Tj 6.251 0 Td (384.5 )Tj ET 2.5 w q 1 0 0 1 323.1495 367.7443 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 323.1495 364.4118 cm 0 0 m 45.354 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 10.4 0 0 13 362.7838 365.6453 Tm ( )Tj ET 2.5 w q 1 0 0 1 379.8424 367.7443 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 379.8424 364.4118 cm 0 0 m 45.354 0 l S Q BT /T1_0 1 Tf 10.4 0 0 13 419.4767 365.6453 Tm ( )Tj ET 2.5 w q 1 0 0 1 436.5353 367.7443 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 436.5353 364.4118 cm 0 0 m 45.354 0 l S Q BT 10.4 0 0 13 476.1697 365.6453 Tm ( )Tj ET 2.5 w q 1 0 0 1 493.2282 367.7443 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 493.2282 364.4118 cm 0 0 m 45.354 0 l S Q BT 10.4 0 0 13 532.8625 365.6453 Tm ( )Tj 0.025 Tc 0.023 Tw 13 0 0 13 170.0786 335.2963 Tm (Impairment losses on assets increased by 384.5% from RMB472.6 )Tj 0.043 Tc 0.07 Tw T* [(million)12.1 ( for)12.1 ( the)12.1 ( six)12.1 ( months)12.1 ( ended)12.1 ( June)12.2 ( 3)12.1 (0)12.1 (,)12.1 ( 2)12.1 (0)12.1 (1)12.1 (8)12.1 ( to)12.1 ( RMB)12.2 (2)12.1 (,)12.1 (2)12.1 (8)12.1 (9)12.1 (.)12.2 (7)18 ( )]TJ 0.054 Tc T* [(million)12.8 ( for)12.8 ( the)12.9 ( six)12.9 ( months)12.9 ( ended)12.8 ( June)12.9 ( 3)12.9 (0)12.8 (,)12.9 ( 2)12.9 (0)12.8 (1)12.9 (9)12.8 ( mainly)12.9 ( due)12.9 ( to)29 ( )]TJ 0.038 Tc T* [(increases)12.4 ( in)12.4 ( provisions)12.5 ( for)12.4 ( impairment)12.4 ( of)12.4 ( loans)12.4 ( and)12.4 ( advances)12.4 ( to)13 ( )]TJ 0.025 Tc 0 Tw T* (customers resulting from the decline of assets quality.)Tj 0.058 Tc 0.07 Tw 0 -2.462 TD [(C)0.5 (r)0.6 (e)0.5 (d)0.5 (i)0.5 (t)13.1 ( )0.5 (i)0.5 (m)0.5 (p)0.5 (a)0.6 (i)0.5 (r)0.5 (m)0.5 (e)0.6 (n)0.5 (t)13 ( )0.5 (l)0.6 (o)0.5 (s)0.5 (s)0.6 (e)0.5 (s)13 ( )0.6 (o)0.5 (n)13 ( )0.5 (l)0.5 (o)0.6 (a)0.5 (n)0.5 (s)13 ( )0.6 (a)0.5 (n)0.5 (d)13 ( )0.6 (a)0.5 (d)0.5 (v)0.6 (a)0.5 (n)0.5 (c)0.5 (e)0.6 (s)13 ( )0.5 (t)0.6 (o)13 ( )0.5 (c)0.5 (u)0.6 (s)0.5 (t)0.5 (o)0.5 (m)0.6 (e)0.5 (r)0.5 (s)33 ( )]TJ 0.032 Tc 0.076 Tw 0 -1.231 TD [(increased)7 ( )0.5 (by)7 ( )0.5 (3)7 (4)7 (0)7 (.)7 (1)7 (%)7 ( )0.5 (from)7 ( )0.5 (RMB)7 (4)7 (9)7 (2)7 (.)7 (0)7 ( )0.5 (million)6.9 ( )0.6 (for)7 ( )0.5 (the)7 ( )0.5 (six)7 ( )0.5 (months)7 ( )]TJ 0.043 Tc 0.07 Tw T* [(ended)12.1 ( June)12.1 ( 3)12.2 (0)12.1 (,)12.1 ( 2)12.1 (0)12.2 (1)12.1 (8)12.1 ( to)12.1 ( RMB)12.2 (2)12.1 (,)12.1 (1)12.1 (6)12.1 (5)12.1 (.)12.1 (4)12.2 ( million)12.1 ( for)12.1 ( the)12.2 ( six)12.2 ( months)18 ( )]TJ 0.054 Tc 0 -1.231 TD [(ended)12.5 ( June)12.5 ( 3)12.5 (0)12.6 (,)12.5 ( 2)12.6 (0)12.5 (1)12.5 (9)12.5 (,)12.5 ( mainly)12.5 ( due)12.5 ( to)12.5 ( increase)12.5 ( in)12.5 ( provisions)12.6 ( for)29.1 ( )]TJ 0.025 Tc 0.04 Tw 0 -1.231 TD (impairment of loans and advances to customers resulting from the )Tj 0 Tw T* (decline of assets quality.)Tj 0.074 Tc 0.07 Tw 0 -2.462 TD [(Credit)12.8 ( impairment)12.9 ( losses)12.9 ( of)12.9 ( investment)12.9 ( assets)12.9 ( decreased)12.8 ( by)49 ( )]TJ 0.058 Tc 0 -1.231 TD [(4)12.5 (5)12.6 (5)12.5 (.)12.6 (6)12.5 (%)12.6 ( from)12.6 ( reversal)12.5 ( of)12.6 ( RMB)12.5 (3)12.6 (6)12.5 (.)12.6 (7)12.5 ( million)12.5 ( for)12.5 ( the)12.6 ( six)12.6 ( months)33 ( )]TJ T* [(ended)12.9 ( June)12.9 ( 3)12.9 (0)12.8 (,)12.9 ( 2)12.9 (0)12.8 (1)12.9 (8)12.9 ( to)12.9 ( RMB)12.8 (1)12.9 (3)12.9 (0)12.9 (.)12.9 (5)12.8 ( million)12.9 ( for)12.8 ( the)12.9 ( six)12.9 ( months)33 ( )]TJ 0.041 Tc T* [(ended)12.3 ( June)12.4 ( 3)12.4 (0)12.3 (,)12.4 ( 2)12.4 (0)12.3 (1)12.3 (9)12.4 (.)12.3 ( It)12.4 ( is)12.3 ( mainly)12.3 ( due)12.3 ( to)12.4 ( provisions)12.4 ( made)12.4 ( by)12.3 ( us)16 ( )]TJ 0.025 Tc 0.023 Tw T* [(for impairment losses as a )0.5 (result of the newly acquired investment )]TJ 0 Tw T* (assets for the period.)Tj ET endstream endobj 219 0 obj <>stream BT 0 0 0 1 k /Perceptual ri /GS0 gs /T1_0 1 Tf 0.025 Tc 12 0 0 12 281.8878 18.7502 Tm (\226 23 \226)Tj 13 0 0 13 170.0787 776.3179 Tm [(\(A\) )-442.5 (Staff costs)]TJ 0.039 Tc 0.07 Tw 2.181 -2.462 Td [(The)12.5 ( table)12.5 ( below)12.5 ( sets)12.5 ( forth)12.5 ( the)12.5 ( components)12.5 ( of)12.5 ( staff)12.5 ( cost)12.5 ( for)14 ( )]TJ 0.025 Tc 0 Tw 0 -1.231 TD (the periods indicated.)Tj /T1_1 1 Tf 10.4 0 0 13 198.4252 696.3179 Tm (\(Expressed in millions of )Tj T* (RMB, unless otherwise )Tj -0.025 Tw T* (stated\))Tj 0 Tw 16.369 2.462 Td (Six months ended June 30,)Tj -0.025 Tw -2.09 -2.462 Td (2019)Tj /T1_0 1 Tf 5.451 0 Td (2018)Tj 0 Tw 2.862 1.231 Td (Increase or)Tj -0.025 Tw 1.047 -1.231 Td (decrease)Tj 4.456 1.231 Td (Percentage)Tj 1.655 -1.231 Td (change)Tj 10.4 0 3.4833 13 521.1392 648.3179 Tm (\(%\))Tj 0 Tw 10.4 0 0 13 198.4252 613.3088 Tm (Salaries and bonuses)Tj /T1_1 1 Tf -0.025 Tw 14.004 0 Td (346.3)Tj /T1_0 1 Tf 5.451 0 Td (449.8)Tj 5.068 0 Td (\(103.5\))Tj 5.976 0 Td (\(23.0\))Tj 0 Tw -30.499 -1.231 Td (Social insurance)Tj /T1_1 1 Tf -0.025 Tw 14.529 0 Td (79.3)Tj /T1_0 1 Tf 5.451 0 Td (70.6)Tj 5.976 0 Td (8.7)Tj 4.926 0 Td (12.3)Tj 0 Tw -30.882 -1.231 Td (Housing allowances)Tj /T1_1 1 Tf -0.025 Tw 14.529 0 Td (32.0)Tj /T1_0 1 Tf 5.451 0 Td (27.3)Tj 5.976 0 Td (4.7)Tj 4.926 0 Td (17.2)Tj 0 Tw -30.882 -1.231 Td (Labour union and staff )Tj 0.818 -1.231 Td (education expenses)Tj /T1_1 1 Tf -0.025 Tw 13.711 0 Td (10.0)Tj /T1_0 1 Tf 5.976 0 Td (8.8)Tj 5.451 0 Td (1.2)Tj 4.926 0 Td (13.6)Tj 0 Tw -30.882 -1.231 Td (Staff welfares)Tj /T1_1 1 Tf -0.025 Tw 14.529 0 Td (11.9)Tj /T1_0 1 Tf 5.976 0 Td (9.0)Tj 5.451 0 Td (2.9)Tj 4.926 0 Td (32.2)Tj -30.882 -1.231 Td (Others)Tj /T1_1 1 Tf 15.054 0 Td (1.0)Tj /T1_0 1 Tf 5.451 0 Td (0.4)Tj 5.451 0 Td (0.6)Tj 4.401 0 Td (150.0)Tj ET 0 0 0 1 K 0.5 w q 1 0 0 1 323.1498 512.8987 cm 0 0 m 45.354 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 10.4 0 0 13 362.7842 514.2997 Tm ( )Tj ET q 1 0 0 1 379.8427 512.8987 cm 0 0 m 45.354 0 l S Q BT /T1_0 1 Tf 10.4 0 0 13 419.4771 514.2997 Tm ( )Tj ET q 1 0 0 1 436.5357 512.8987 cm 0 0 m 45.354 0 l S Q BT 10.4 0 0 13 476.17 514.2997 Tm ( )Tj ET q 1 0 0 1 493.2286 512.8987 cm 0 0 m 45.354 0 l S Q BT 10.4 0 0 13 532.8629 514.2997 Tm ( )Tj -32.157 -1.231 Td ( )Tj /T1_1 1 Tf 0.025 Tc T* (Total staff costs)Tj -0.025 Tw 14.004 0 Td (480.5)Tj /T1_0 1 Tf 5.451 0 Td (565.9)Tj 5.593 0 Td (\(85.4\))Tj 5.451 0 Td (\(15.1\))Tj ET 2.5 w q 1 0 0 1 323.1498 476.7352 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 323.1498 473.4027 cm 0 0 m 45.354 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 10.4 0 0 13 362.7842 474.6362 Tm ( )Tj ET 2.5 w q 1 0 0 1 379.8427 476.7352 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 379.8427 473.4027 cm 0 0 m 45.354 0 l S Q BT /T1_0 1 Tf 10.4 0 0 13 419.4771 474.6362 Tm ( )Tj ET 2.5 w q 1 0 0 1 436.5357 476.7352 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 436.5357 473.4027 cm 0 0 m 45.354 0 l S Q BT 10.4 0 0 13 476.17 474.6362 Tm ( )Tj ET 2.5 w q 1 0 0 1 493.2286 476.7352 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 493.2286 473.4027 cm 0 0 m 45.354 0 l S Q BT 10.4 0 0 13 532.8629 474.6362 Tm ( )Tj 0.031 Tc 0.077 Tw 13 0 0 13 198.4254 444.2871 Tm [(Staff)6 ( )0.5 (costs)6 ( )0.5 (decreased)6 ( )0.5 (by)6 ( )0.5 (1)6 (5)6 (.)6 (1)6 (%)6 ( )0.5 (from)6 ( )0.6 (RMB)6 (5)6 (6)6 (5)6 (.)6 (9)6 ( )0.5 (million)6 ( )0.5 (for)6 ( )]TJ 0.025 Tc 0.013 Tw T* (the six months ended June 30, 2018 to RMB480.5 million for )Tj 0.068 Tw T* (the six months ended June 30, 2019, primarily reflecting the )Tj 0.028 Tc 0.08 Tw T* [(decrease)3 ( )0.5 (of)3 ( )0.5 (performance-linked)3 ( )0.5 (remuneration)3 ( )0.5 (resulting)3 ( )0.5 (from)3 ( )]TJ 0.025 Tc 0 Tw T* (the decline of assets quality.)Tj -2.181 -2.462 Td [(\(B\) )-497.5 (Property and equipment expenses)]TJ 0.048 Tc 0.07 Tw 2.181 -2.462 Td [(Property)12.8 ( and)12.8 ( equipment)12.9 ( expenses)12.8 ( increased)12.8 ( by)12.8 ( 9)12.8 (.)12.8 (2)12.8 (%)12.8 ( from)23 ( )]TJ 0.025 Tc 0.013 Tw T* (RMB243.7 million for the six months ended June 30, 2018 to )Tj 0.033 Tc 0.075 Tw T* [(RMB)8 (2)8 (6)8 (6)8.1 (.)8 (1)8 ( )0.5 (million)8 ( )0.5 (for)8 ( )0.5 (the)8 ( )0.5 (six)8 ( )0.5 (months)8 ( )0.5 (ended)8.1 ( )0.5 (June)8 ( )0.5 (3)8 (0)8.1 (,)8 ( )0.5 (2)8 (0)8 (1)8 (9)8 (.)8 ( )]TJ 0.056 Tc 0.07 Tw T* [(The)12.6 ( increase)12.6 ( in)12.6 ( property)12.6 ( and)12.6 ( equipment)12.6 ( expenses)12.7 ( mainly)31 ( )]TJ 0.057 Tc T* [(reflected)12.1 ( the)12.1 ( addition)12.1 ( of)12.1 ( property)12.1 ( and)12.1 ( equipment)12.2 ( and)12.1 ( the)32 ( )]TJ 0.025 Tc 0 Tw T* (increase of depreciation and amortisation expenses.)Tj -2.181 -2.462 Td [(\(C\) )-497.5 (General management and administrative expenses)]TJ 0.033 Tc 0.075 Tw 2.181 -2.462 Td [(General)8 ( )0.5 (management)8 ( )0.5 (and)8 ( )0.5 (administrative)8 ( )0.5 (expenses)8 ( )0.5 (primarily)8 ( )]TJ 0.079 Tc 0.07 Tw T* [(included)12.5 ( business)12.5 ( promotion)12.5 ( fees,)12.5 ( administrative)12.5 ( fees,)54 ( )]TJ 0.026 Tc 0.082 Tw T* [(transportation)1 ( )0.5 (fee)1 ( )0.5 (and)1 ( )0.5 (repair)1 ( )0.5 (expenses.)1 ( )0.5 (General)1 ( )0.5 (management)1 ( )]TJ 0.086 Tc 0.07 Tw T* [(and)12.7 ( administrative)12.7 ( expenses)12.6 ( increased)12.7 ( by)12.6 ( 1)12.7 (1)12.6 (.)12.7 (1)12.6 (%)12.7 ( from)61 ( )]TJ 0.025 Tc 0.013 Tw T* (RMB141.7 million for the six months ended June 30, 2018 to )Tj 0.033 Tc 0.075 Tw T* [(RMB)8 (1)8 (5)8 (7)8.1 (.)8 (4)8 ( )0.5 (million)8 ( )0.5 (for)8 ( )0.5 (the)8 ( )0.5 (six)8 ( )0.5 (months)8 ( )0.5 (ended)8.1 ( )0.5 (June)8 ( )0.5 (3)8 (0)8.1 (,)8 ( )0.5 (2)8 (0)8 (1)8 (9)8 (.)8 ( )]TJ 0.034 Tc 0.074 Tw T* [(The)9 ( )0.5 (increase)9.1 ( )0.5 (in)9 ( )0.5 (the)9 ( )0.5 (general)9 ( )0.5 (management)9 ( )0.5 (and)9 ( )0.5 (administrative)9 ( )]TJ 0.044 Tc 0.07 Tw T* [(expenses)12.4 ( mainly)12.3 ( reflected)12.2 ( the)12.3 ( increase)12.3 ( in)12.3 ( expenses)12.3 ( arising)19 ( )]TJ 0.025 Tc 0 Tw T* (from the growth of businesses.)Tj ET endstream endobj 218 0 obj <>stream BT 0 0 0 1 k /Perceptual ri /GS0 gs /T1_0 1 Tf 0.025 Tc 12 0 0 12 281.8878 18.7502 Tm (\226 22 \226)Tj 13 0 0 13 170.0787 776.0055 Tm [(\(E\) )-553.5 (Other operating \(expense\)/income)]TJ 0.079 Tc 0.07 Tw 2.181 -2.462 Td [(Other)12.6 ( operating)12.7 ( \(expense\)/income)12.7 ( mainly)12.7 ( included)12.7 ( net)54 ( )]TJ 0.037 Tc 0.071 Tw 0 -1.231 TD [(amount)12 ( )0.5 (of)12 ( )0.5 (government)12 ( )0.5 (subsidies)12 ( )0.5 (and)12 ( )0.5 (the)12 ( )0.5 (short-term)12 ( )0.5 (leasing)12 ( )]TJ 0.026 Tc 0.082 Tw T* [(and)1 ( )0.5 (disposal)1 ( )0.5 (income)1 ( )0.5 (from)1 ( )0.5 (fixed)1 ( )0.5 (assets)1 ( )0.5 (and)1 ( )0.5 (mortgaged)1 ( )0.5 (assets)1 ( )]TJ 0.035 Tc 0.073 Tw T* [(after)10 ( )0.5 (deducting)10 ( )0.5 (non-operating)10 ( )0.5 (expenses.)10 ( )0.5 (For)10 ( )0.5 (the)10 ( )0.5 (six)10 ( )0.5 (months)10 ( )]TJ 0.052 Tc 0.07 Tw T* [(ended)12.4 ( June)12.5 ( 3)12.4 (0)12.5 (,)12.4 ( 2)12.4 (0)12.5 (1)12.4 (8)12.5 (,)12.4 ( other)12.5 ( operating)12.5 ( income)12.5 ( of)12.4 ( the)12.5 ( Bank)27 ( )]TJ 0.054 Tc 0 -1.231 TD [(amounted)12.4 ( to)12.4 ( RMB)12.5 (1)12.4 (1)12.5 (.)12.5 (5)12.4 ( million.)12.5 ( For)12.4 ( the)12.5 ( six)12.5 ( months)12.5 ( ended)28.9 ( )]TJ 0.047 Tc 0 -1.231 TD [(June)12.9 ( 3)12.9 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113.7203 Tm (\(1\))Tj 0 Tw 11 0 0 11 178.0368 109.3203 Tm [( )-1578.5 (Calculated by dividing total operating expenses \(net of business tax an\ d )]TJ 1.853 -1.273 Td (surcharge\) by total operating income.)Tj ET endstream endobj 217 0 obj <>stream BT 0 0 0 1 k /Perceptual ri /GS0 gs /T1_0 1 Tf 0.025 Tc 12 0 0 12 281.8878 18.7502 Tm (\226 21 \226)Tj 0.05 Tc 0.07 Tw 13 0 0 13 198.4252 776.3179 Tm [(Fee)12.4 ( and)12.4 ( commission)12.3 ( expenses)12.4 ( mainly)12.4 ( included)12.4 ( settlement)25 ( )]TJ 0.025 Tc 0.081 Tw 0 -1.231 TD (and clearing fees paid to third parties and debit card service )Tj 0.013 Tw T* (fees. 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Td (36.1)Tj /T1_0 1 Tf 5.451 0 Td (45.2)Tj 5.593 0 Td (\(9.1\))Tj 4.926 0 Td (\(20.1\))Tj 0 Tw -30.499 -1.231 Td (Bank acceptance bill )Tj 0.818 -1.231 Td (service fees)Tj /T1_1 1 Tf -0.025 Tw 13.711 0 Td (10.3)Tj /T1_0 1 Tf 5.451 0 Td (12.2)Tj 5.593 0 Td (\(1.9\))Tj 4.926 0 Td (\(15.6\))Tj 0 Tw -30.499 -1.231 Td (Letters of guarantee fees)Tj /T1_1 1 Tf -0.025 Tw 15.054 0 Td (0.3)Tj /T1_0 1 Tf 5.451 0 Td (0.1)Tj 5.451 0 Td (0.2 )Tj 4.401 0 Td (200.0 )Tj -30.357 -1.231 Td (Others )Tj 6.0632 0 0 7.579 230.5711 477.5179 Tm (\(1\))Tj /T1_1 1 Tf 10.4 0 0 13 349.524 472.3179 Tm (10.7)Tj /T1_0 1 Tf 5.451 0 Td (13.5)Tj 5.593 0 Td (\(2.8\))Tj 4.926 0 Td (\(20.7\))Tj ET 0 0 0 1 K 0.5 w q 1 0 0 1 323.1496 467.9078 cm 0 0 m 45.354 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 10.4 0 0 13 362.784 469.3088 Tm ( )Tj ET q 1 0 0 1 379.8425 467.9078 cm 0 0 m 45.354 0 l S Q BT /T1_0 1 Tf 10.4 0 0 13 419.4769 469.3088 Tm ( )Tj ET q 1 0 0 1 436.5354 467.9078 cm 0 0 m 45.354 0 l S Q BT 10.4 0 0 13 476.1698 469.3088 Tm ( )Tj ET q 1 0 0 1 493.2283 467.9078 cm 0 0 m 45.354 0 l S Q BT 10.4 0 0 13 532.8627 469.3088 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -0.025 Tw -32.157 -2.462 Td (Subtotal)Tj 14.004 0 Td (158.7)Tj /T1_0 1 Tf 5.451 0 Td (193.2)Tj 5.593 0 Td (\(34.5\))Tj 5.451 0 Td (\(17.9\))Tj ET 2.5 w q 1 0 0 1 323.1496 431.7443 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 323.1496 428.4118 cm 0 0 m 45.354 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 10.4 0 0 13 362.784 429.6453 Tm ( )Tj ET 2.5 w q 1 0 0 1 379.8425 431.7443 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 379.8425 428.4118 cm 0 0 m 45.354 0 l S Q BT /T1_0 1 Tf 10.4 0 0 13 419.4769 429.6453 Tm ( )Tj ET 2.5 w q 1 0 0 1 436.5354 431.7443 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 436.5354 428.4118 cm 0 0 m 45.354 0 l S Q BT 10.4 0 0 13 476.1698 429.6453 Tm ( )Tj ET 2.5 w q 1 0 0 1 493.2283 431.7443 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 493.2283 428.4118 cm 0 0 m 45.354 0 l S Q BT 10.4 0 0 13 532.8627 429.6453 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -32.157 -2.462 Td (Fee and commission )Tj -0.025 Tw 0.818 -1.231 Td (expenses)Tj 13.328 0 Td (\(45.4\))Tj /T1_0 1 Tf 5.451 0 Td (\(65.4\))Tj 5.834 0 Td (20.0 )Tj 5.068 0 Td (\(30.6\))Tj ET 2.5 w q 1 0 0 1 323.1496 376.0807 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 323.1496 372.7482 cm 0 0 m 45.354 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 10.4 0 0 13 362.784 373.9817 Tm ( )Tj ET 2.5 w q 1 0 0 1 379.8425 376.0807 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 379.8425 372.7482 cm 0 0 m 45.354 0 l S Q BT /T1_0 1 Tf 10.4 0 0 13 419.4769 373.9817 Tm ( )Tj ET 2.5 w q 1 0 0 1 436.5354 376.0807 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 436.5354 372.7482 cm 0 0 m 45.354 0 l S Q BT 10.4 0 0 13 476.1698 373.9817 Tm ( )Tj ET 2.5 w q 1 0 0 1 493.2283 376.0807 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 493.2283 372.7482 cm 0 0 m 45.354 0 l S Q BT 10.4 0 0 13 532.8627 373.9817 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -32.157 -2.462 Td (Net fee and commission )Tj -0.025 Tw 0.818 -1.231 Td (income)Tj 13.186 0 Td (113.3)Tj /T1_0 1 Tf 5.451 0 Td (127.8)Tj 5.593 0 Td (\(14.5\))Tj 5.451 0 Td (\(11.3\))Tj ET 2.5 w q 1 0 0 1 323.1496 320.4172 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 323.1496 317.0847 cm 0 0 m 45.354 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 10.4 0 0 13 362.784 318.3182 Tm ( )Tj ET 2.5 w q 1 0 0 1 379.8425 320.4172 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 379.8425 317.0847 cm 0 0 m 45.354 0 l S Q BT /T1_0 1 Tf 10.4 0 0 13 419.4769 318.3182 Tm ( )Tj ET 2.5 w q 1 0 0 1 436.5354 320.4172 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 436.5354 317.0847 cm 0 0 m 45.354 0 l S Q BT 10.4 0 0 13 476.1698 318.3182 Tm ( )Tj ET 2.5 w q 1 0 0 1 493.2283 320.4172 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 493.2283 317.0847 cm 0 0 m 45.354 0 l S Q BT 10.4 0 0 13 532.8627 318.3182 Tm ( )Tj 0.025 Tc -0.025 Tw 11 0 2.9474 11 197.2963 289.9692 Tm (Note:)Tj 6.413 0 0 6.413 198.4252 266.3692 Tm (\(1\))Tj 0 Tw 11 0 0 11 206.3836 261.9692 Tm [( )-1578.5 (Primarily include guarantee fees and advisory service income.)]TJ 0.046 Tc 0.07 Tw 13 0 0 13 198.4252 229.9692 Tm [(Net)12.4 ( fee)12.4 ( and)12.3 ( commission)12.4 ( income)12.3 ( decreased)12.3 ( by)12.4 ( 1)12.4 (1)12.3 (.)12.4 (3)12.3 (%)12.4 ( from)21 ( )]TJ 0.041 Tc T* [(R)0.5 (MB)13 (1)12.9 (2)13 (7)12.9 (.)13 (8)12.9 ( )0.5 (mi)0.5 (l)0.5 (li)0.5 (on)13 ( f)0.5 (or)13 ( )0.5 (th)0.5 (e)12.9 ( )0.5 (s)0.5 (ix)13 ( m)0.5 (on)0.5 (th)0.5 (s)12.9 ( )0.5 (e)0.5 (nd)0.5 (ed)13 ( )0.5 (Ju)0.5 (ne)13 ( )0.5 (3)12.9 (0)13 (,)12.9 ( )0.5 (2)12.9 (0)13 (1)12.9 (8)16 ( )]TJ 0.065 Tc T* [(to)12.6 ( RMB)12.6 (1)12.6 (1)12.7 (3)12.6 (.)12.6 (3)12.6 ( million)12.7 ( for)12.6 ( the)12.6 ( six)12.6 ( months)12.6 ( ended)12.6 ( June)12.6 ( 3)12.6 (0)12.6 (,)40 ( )]TJ 0.025 Tc 0.04 Tw T* (2019, primarily due to the decrease of agency and settlement )Tj 0.092 Tc 0.07 Tw T* [(services)12.3 ( fees)12.3 ( as)12.2 ( a)12.3 ( result)12.2 ( of)12.2 ( the)12.2 ( decreased)12.3 ( agency)12.2 ( and)66.9 ( )]TJ 0.054 Tc T* [(settlement)12.6 ( services)12.6 ( provided)12.7 ( as)12.6 ( affected)12.6 ( by)12.6 ( the)12.7 ( economic)29 ( )]TJ 0.025 Tc -0.025 Tw T* (downturn.)Tj ET endstream endobj 225 0 obj <>stream BT 0 0 0 1 k /Perceptual ri /GS0 gs /T1_0 1 Tf 0.025 Tc 12 0 0 12 281.8878 18.7502 Tm (\226 19 \226)Tj 0.032 Tw 13 0 0 13 198.4252 776.3179 Tm (For the six months ended June 30, 2018 and 2019, due to the )Tj 0.034 Tc 0.074 Tw 0 -1.231 TD [(decrease)9 ( )0.5 (of)9 ( )0.5 (interest)9 ( )0.5 (rates)9 ( )0.5 (of)9 ( )0.5 (deposits)9 ( )0.5 (from)9 ( )0.5 (banks)9 ( )0.5 ( )0.5 (and)9 ( )0.5 (other)9 ( )]TJ 0.033 Tc 0.075 Tw T* [(financial)8 ( )0.5 (institutions,)8 ( )0.5 (and)8 ( )0.5 (the)8 ( )0.5 (average)8 ( )0.5 (cost)8 ( )0.5 (of)8 ( )0.5 (deposits)8 ( )0.5 (from)8 ( )]TJ 0.029 Tc 0.079 Tw T* [(ba)0.5 (nk)0.5 (s)4 ( )0.5 (an)0.5 (d)4 ( )0.5 (ot)0.5 (he)0.5 (r)4 ( )0.5 (fi)0.5 (na)0.5 (nc)0.5 (ial)4.1 ( )0.5 (ins)0.5 (ti)0.5 (tut)0.5 (io)0.5 (ns)4 ( )0.5 (d)0.5 (ec)0.5 (re)0.5 (as)0.5 (ed)4 ( )0.5 (f)0.5 (ro)0.5 (m)4 ( )0.5 (4)4 (.)4 (9)4 (9)4 (%)4 ( )]TJ 0.025 Tc 0 Tw T* (to 2.91%.)Tj -2.181 -2.462 Td [(\(E\) )-553.5 (Interest expense on borrowings from the central bank)]TJ 0.086 Tc 0.07 Tw 2.181 -2.462 Td [(Interest)12 ( expense)12.1 ( on)12.1 ( borrowings)12.1 ( from)12 ( the)12.1 ( central)12.1 ( bank)61 ( )]TJ 0.071 Tc T* [(i)0.5 (nc)0.5 (r)0.5 (ea)0.5 (s)0.5 (ed)13 ( )0.5 (by)13 ( 1)13 (3)13 (.)12.9 (2)13 (%)12.9 ( )0.5 (f)0.5 (ro)0.5 (m)12.9 ( )0.5 (R)0.5 (MB)13 (1)13 (2)12.9 (0)13 (.)12.9 (9)13 ( )0.5 (mi)0.5 (ll)0.5 (io)0.5 (n)13 ( f)0.5 (o)0.5 (r)12.9 ( )0.5 (th)0.5 (e)13 ( s)0.5 (i)0.5 (x)46 ( )]TJ 0.049 Tc T* [(months)12.9 ( ended)12.9 ( June)12.8 ( 3)12.8 (0)12.9 (,)12.8 ( 2)12.9 (0)12.8 (1)12.9 (8)12.8 ( to)12.9 ( RMB)12.9 (1)12.8 (3)12.9 (6)12.8 (.)12.8 (9)12.9 ( million)12.8 ( for)12.8 ( the)24 ( )]TJ 0.044 Tc T* [(six)12.7 ( months)12.6 ( ended)12.7 ( June)12.7 ( 3)12.7 (0)12.6 (,)12.6 ( 2)12.7 (0)12.6 (1)12.7 (9)12.6 (,)12.6 ( primarily)12.6 ( due)12.7 ( to)12.7 ( a)12.7 ( 1)12.6 (4)12.7 (.)12.6 (2)12.7 (%)19 ( )]TJ 0.07 Tc T* [(increase)12.4 ( in)12.5 ( the)12.5 ( average)12.4 ( balance)12.5 ( of)12.4 ( borrowings)12.5 ( from)12.4 ( the)45 ( )]TJ 0.042 Tc T* [(central)12.3 ( bank,)12.3 ( from)12.3 ( RMB)12.2 (6)12.3 (,)12.3 (6)12.3 (4)12.3 (3)12.3 (.)12.3 (4)12.3 ( million)12.3 ( for)12.3 ( the)12.3 ( six)12.3 ( months)17 ( )]TJ 0.07 Tc T* [(ended)12.7 ( June)12.6 ( 3)12.7 (0)12.7 (,)12.6 ( 2)12.7 (0)12.7 (1)12.6 (8)12.7 ( to)12.7 ( RMB)12.7 (7)12.7 (,)12.6 (5)12.7 (8)12.7 (5)12.7 (.)12.6 (0)12.7 ( million)12.7 ( for)12.7 ( the)12.7 ( six)45 ( )]TJ 0.025 Tc 0.071 Tw T* [(months )0.5 (ended )0.5 (June )0.6 (30, )0.5 (2019, )0.5 (primarily )0.5 (due )0.6 (to )0.6 (the )0.5 (additional )]TJ 0.033 Tc 0.075 Tw T* [(borrowings)8 ( )0.5 (from)8 ( )0.5 (the)8 ( )0.5 (central)8 ( )0.5 (bank)8 ( )0.5 (applied)8.1 ( )0.5 (by)8 ( )0.5 (the)8 ( )0.5 (Bank.)8 ( )0.5 (The)8 ( )]TJ 0.03 Tc 0.078 Tw T* [(average)5.1 ( )0.5 (cost)5 ( )0.5 (of)5 ( )0.5 (borrowings)5 ( )0.5 (from)5 ( )0.5 (the)5 ( )0.5 (central)5 ( )0.5 (bank)5 ( )0.5 (decreased)5 ( )]TJ 0.025 Tc 0.012 Tw T* (from 3.64% to 3.61% for the six months ended June 30, 2018 )Tj 0 Tw T* (and 2019, remaining at a stable level.)Tj 13 0 3.4833 13 140.3981 440.3179 Tm [(\(iv\) )-361.5 (Net interest spread and net interest margin)]TJ 0.063 Tc 0.07 Tw 13 0 0 13 170.0787 408.3179 Tm [(Net)12.3 ( interest)12.3 ( spread)12.3 ( decreased)12.3 ( from)12.3 ( 2)12.4 (.)12.3 (2)12.4 (7)12.4 (%)12.3 ( for)12.4 ( the)12.4 ( six)12.3 ( months)38 ( )]TJ 0.062 Tc T* [(ended)12.6 ( June)12.6 ( 3)12.7 (0)12.7 (,)12.7 ( 2)12.7 (0)12.7 (1)12.7 (8)12.7 ( to)12.7 ( 2)12.7 (.)12.7 (0)12.6 (2)12.7 (%)12.7 ( for)12.7 ( the)12.7 ( six)12.7 ( months)12.7 ( ended)12.7 ( June)37 ( )]TJ 0.052 Tc T* [(3)12.7 (0)12.7 (,)12.7 ( 2)12.8 (0)12.7 (1)12.7 (9)12.7 (,)12.7 ( primarily)12.7 ( due)12.8 ( to)12.7 ( a)12.7 ( decrease)12.7 ( in)12.7 ( average)12.7 ( yield)12.7 ( of)12.7 ( total)26.9 ( )]TJ 0.025 Tc 0.034 Tw T* (interest-earning assets, from 5.17% to 4.98%, primarily due to the )Tj 0.054 Tw T* (decrease of interest rates of loans and advances. The average cost )Tj 0.019 Tw T* [(of )0.5 (total )0.5 (interest-bearing )0.5 (liabilities )0.6 (increased )0.5 (from )0.5 (2.90% )0.5 (to )0.5 (2.96%, )]TJ 0.083 Tw T* [(primarily )0.5 (due )0.5 (to the )0.5 (higher )0.5 (market )0.5 (interest )0.5 (rates )0.5 (of )0.5 (deposits )0.5 (from )]TJ -0.025 Tw 0 -1.231 TD (customers.)Tj 0.059 Tc 0.07 Tw 0 -2.462 TD [(Net)12.2 ( interest)12.2 ( margin)12.2 ( decreased)12.2 ( from)12.2 ( 2)12.2 (.)12.2 (5)12.2 (0)12.2 (%)12.2 ( for)12.3 ( the)12.2 ( six)12.2 ( months)34 ( )]TJ 0.026 Tc 0.082 Tw 0 -1.231 TD [(ended)1 ( )0.5 (June)1.1 ( )0.5 (3)1 (0)1 (,)1 ( )0.5 (2)1 (0)1 (1)1 (8)1 ( )0.5 (to)1 ( )0.5 (2)1 (.)1 (1)1 (0)1 (%)1 ( )0.5 (for)1 ( )0.5 (the)1 ( )0.5 (six)1 ( )0.5 (months)1 ( )0.5 (ended)1 ( )0.5 (June)1 ( )0.5 (3)1 (0)1 (,)1 ( )]TJ 0.051 Tc 0.07 Tw T* [(2)12.5 (0)12.6 (1)12.5 (9)12.5 (,)12.5 ( primarily)12.5 ( attributable)12.6 ( to)12.6 ( the)12.6 ( growth)12.5 ( in)12.6 ( the)12.6 ( daily)12.6 ( average)26 ( )]TJ 0.025 Tc 0.064 Tw T* (balance of interest-earning assets, which outpaced the net interest )Tj -0.025 Tw T* (income.)Tj ET endstream endobj 224 0 obj <>stream BT 0 0 0 1 k /Perceptual ri /GS0 gs /T1_0 1 Tf 0.025 Tc 12 0 0 12 281.8878 18.7502 Tm (\226 18 \226)Tj 0.05 Tc 0.07 Tw 13 0 0 13 198.4252 776.3179 Tm [(t)0.5 (he)13 ( a)0.5 (v)0.5 (er)0.5 (a)0.5 (ge)13 ( c)0.5 (o)0.5 (st)13 ( o)0.5 (f)13 ( f)0.5 (in)0.5 (a)0.5 (nc)0.5 (ia)0.5 (l)13 ( a)0.5 (s)0.5 (se)0.5 (ts)13 ( )0.5 (so)0.5 (ld)13 ( )0.5 (un)0.5 (de)0.5 (r)12.9 ( )0.5 (r)0.5 (ep)0.5 (ur)0.5 (c)0.5 (ha)0.5 (s)0.5 (e)25 ( )]TJ 0.041 Tc 0 -1.231 TD [(agreements)12.8 ( and)12.8 ( placements)12.7 ( from)12.7 ( banks)12.7 ( and)12.7 ( other)12.8 ( financial)16 ( )]TJ 0.04 Tc T* [(institutions,)12.5 ( from)12.6 ( 4)12.4 (.)12.5 (0)12.6 (0)12.4 (%)12.6 ( for)12.5 ( the)12.5 ( six)12.5 ( months)12.6 ( ended)12.5 ( June)12.5 ( 3)12.5 (0)12.5 (,)15 ( )]TJ 0.025 Tc 0.08 Tw T* (2018 to 2.27% for the six months ended June 30, 2019. The )Tj 0.024 Tc 0 Tw T* [(increase in average balance was primarily because we entered)-1 ( )]TJ 0.048 Tc 0.07 Tw T* [(into)12.4 ( more)12.5 ( reverse)12.5 ( repurchase)12.4 ( transactions)12.4 ( to)12.4 ( diversify)12.4 ( our)23 ( )]TJ 0.025 Tc 0.039 Tw T* (financing channels. The decrease in average cost of financial )Tj 0.061 Tc 0.07 Tw 0 -1.231 TD [(assets)12.9 ( sold)12.8 ( under)12.8 ( repurchase)12.9 ( agreements)12.9 ( and)12.9 ( placements)36 ( )]TJ 0.025 Tc 0.028 Tw 0 -1.231 TD (from banks and other financial institutions was primarily due )Tj 0.038 Tw T* [(to )0.5 (the )0.5 (decrease )0.5 (of interest )0.5 (rates )0.5 (of financial )0.5 (assets )0.5 (sold under )]TJ 0.059 Tw T* (repurchase agreements and placements from banks and other )Tj 0 Tw T* (financial institutions in the market.)Tj -2.181 -2.462 Td [(\(C\) )-497.5 (Interest expense on debt securities issued)]TJ 0.077 Tw 2.181 -2.462 Td (Interest expense on debt securities issued increased by 9.0% )Tj 0.041 Tc 0.07 Tw T* [(from)12.6 ( RMB)12.6 (7)12.6 (5)12.6 (4)12.7 (.)12.6 (6)12.6 ( million)12.7 ( for)12.6 ( the)12.7 ( six)12.6 ( months)12.6 ( ended)12.6 ( June)12.6 ( 3)12.6 (0)12.6 (,)16 ( )]TJ 0.05 Tc T* [(2)12.8 (0)12.7 (1)12.8 (8)12.7 ( to)12.8 ( RMB)12.8 (8)12.7 (2)12.8 (2)12.7 (.)12.8 (2)12.7 ( million)12.8 ( for)12.7 ( the)12.8 ( six)12.7 ( months)12.7 ( ended)12.7 ( June)25 ( )]TJ 0.041 Tc T* [(3)12.1 (0)12.1 (,)12.1 ( 2)12.1 (0)12.1 (1)12.1 (9)12.1 (,)12 ( primarily)12.1 ( due)12.1 ( to)12.1 ( a)12.1 ( 3)12.1 (8)12.1 (.)12.1 (8)12.1 (%)12.1 ( increase)12.1 ( in)12.1 ( the)12.1 ( average)16 ( )]TJ 0.025 Tc 0.039 Tw T* (balance of debt securities issued, from RMB30,301.7 million )Tj 0.047 Tc 0.082 Tw 0 -1.231 TD [(f)-12.4 (o)-12.4 (r t)-12.4 (h)-12.4 (e s)-12.4 (i)-12.5 (x m)-12.4 (o)-12.4 (n)-12.4 (t)-12.4 (h)-12.4 (s e)-12.4 (n)-12.4 (d)-12.4 (e)-12.4 (d J)-12.4 (u)-12.4 (n)-12.4 (e 30, 2018 t)-12.4 (o R)-12.3 (M)-12.4 (B42,045.1)22 ( )]TJ 0.086 Tc 0.07 Tw 0 -1.231 TD [(million)12.1 ( for)12.2 ( the)12.2 ( six)12.1 ( months)12.2 ( ended)12.1 ( June)12.2 ( 3)12.2 (0)12.1 (,)12.2 ( 2)12.1 (0)12.1 (1)12.2 (9)12.1 ( and)12.2 ( a)61 ( )]TJ 0.038 Tc T* [(d)0.5 (e)0.6 (c)0.5 (r)0.6 (e)0.5 (a)0.6 (s)0.5 (e)13 ( )0.5 (i)0.6 (n)13 ( )0.5 (t)0.5 (h)0.6 (e)13 ( a)0.6 (v)0.5 (e)0.6 (r)0.5 (a)0.6 (g)0.5 (e)13 ( )0.5 (c)0.6 (o)0.5 (s)0.6 (t)13 ( )0.5 (o)0.5 (f)13 ( )0.5 (d)0.5 (e)0.6 (b)0.5 (t)13 ( )0.5 (s)0.6 (e)0.5 (c)0.6 (u)0.5 (r)0.5 (i)0.6 (t)0.5 (i)0.6 (e)0.5 (s)13 ( )0.5 (i)0.5 (s)0.6 (s)0.5 (u)0.6 (e)0.5 (d)0.6 (,)13 ( )0.5 (f)0.5 (r)0.5 (o)0.6 (m)13 ( )]TJ 0.025 Tc 0.083 Tw T* [(4.98% )0.5 (f)-1.3 (o)-1.4 (r )0.5 (t)-1.3 (h)-1.3 (e )0.5 (s)-1.3 (i)-1.4 (x )0.5 (m)-1.3 (o)-1.3 (n)-1.3 (t)-1.4 (h)-1.3 (s )0.5 (e)-1.3 (n)-1.3 (d)-1.3 (e)-1.3 (d )0.5 (J)-1.4 (u)-1.3 (n)-1.3 (e )0.5 (30, )0.5 (2018 )0.5 (t)-1.3 (o )0.5 (3.91% f)-1.3 (o)-1.3 (r )]TJ 0.044 Tw T* (the six months ended June 30, 2019. The increase in average )Tj 0.074 Tc 0.07 Tw T* [(balance)12.3 ( was)12.3 ( primarily)12.3 ( due)12.3 ( to)12.3 ( the)12.3 ( issuance)12.3 ( of)12.3 ( interbank)49 ( )]TJ 0.037 Tc 0.071 Tw T* [(certificates.)12 ( )0.5 (The)12 ( )0.5 (decrease)12 ( )0.5 (in)12 ( )0.5 (average)12 ( )0.5 (cost)12 ( )0.5 (of)12 ( )0.5 (debt)12 ( )0.5 (securities)12 ( )]TJ 0.078 Tc 0.07 Tw T* [(issued)12.1 ( was)12.1 ( primarily)12.1 ( due)12.1 ( to)12.1 ( the)12 ( lower)12.1 ( interest)12.1 ( rates)12.1 ( of)53.1 ( )]TJ 0.04 Tc T* [(interbank)12.7 ( certificates)12.7 ( newly)12.7 ( issued,)12.7 ( which)12.7 ( pulled)12.7 ( down)12.8 ( the)15 ( )]TJ 0.025 Tc 0 Tw T* (overall average cost of debt securities issued.)Tj 0.032 Tc 0.076 Tw -2.181 -2.462 Td [(\()7 (D)7 (\))7 ( )-359.5 (Interest)7 ( )0.5 (expense)7 ( )0.5 (on)7 ( )0.5 (deposits)7 ( )0.5 (from)6.9 ( )0.5 (banks)7 ( )0.5 (and)7 ( )0.5 (other)7.1 ( )0.5 (financial)7 ( )]TJ 0.025 Tc -0.025 Tw 2.181 -1.231 Td (institutions)Tj 0.032 Tc 0.076 Tw 0 -2.462 TD [(Interest)7 ( )0.5 (expense)7 ( )0.5 (on)7 ( )0.5 (deposits)7 ( )0.5 (from)7 ( )0.6 (banks)7 ( )0.5 (and)7 ( )0.5 (other)6.9 ( )0.6 (financial)7 ( )]TJ 0.025 Tc 0.082 Tw 0 -1.231 TD (institutions decreased by 78.0% from RMB804.7 million for )Tj 0.013 Tw 0 -1.231 TD (the six months ended June 30, 2018 to RMB176.8 million for )Tj 0.024 Tc 0 Tw T* [(th)0.5 (e )0.5 (si)0.5 (x )0.5 (mon)0.5 (th)0.5 (s e)0.5 (nd)0.5 (ed)0.5 ( J)0.5 (un)0.5 (e 3)0.5 (0,)0.5 ( 20)0.5 (19)0.5 (, )0.5 (pri)0.5 (ma)0.5 (ri)0.5 (ly )0.5 (du)0.5 (e )0.5 (to)0.5 ( a)0.5 ( 62)0.5 (.3)0.5 (%)-1 ( )]TJ 0.033 Tc 0.075 Tw T* [(decrease)8.1 ( )0.5 (in)8 ( )0.5 (the)8 ( )0.5 (average)8.1 ( )0.5 (balance)8 ( )0.5 (of)8 ( )0.5 (deposits)8 ( )0.5 (from)8 ( )0.5 (banks)8 ( )0.5 (and)8 ( )]TJ 0.043 Tc 0.07 Tw T* [(other)12.6 ( financial)12.5 ( institutions,)12.6 ( from)12.5 ( RMB)12.6 (3)12.5 (2)12.6 (,)12.5 (2)12.6 (7)12.5 (3)12.6 (.)12.5 (1)12.6 ( million)12.6 ( for)18 ( )]TJ 0.025 Tc 0.036 Tw T* [(the six months ended )0.5 (June 30, 2018 to RMB12,157.9 million )]TJ 0.042 Tc 0.07 Tw T* [(for)12.3 ( the)12.3 ( six)12.2 ( months)12.3 ( ended)12.2 ( June)12.3 ( 3)12.3 (0)12.3 (,)12.2 ( 2)12.3 (0)12.2 (1)12.3 (9)12.3 (,)12.2 ( primarily)12.3 ( because)17 ( )]TJ 0.025 Tc 0.059 Tw T* (fund raising through deposits from banks and other financial )Tj 0.055 Tc 0.07 Tw T* [(institutions)12.2 ( was)12.1 ( reduced)12.1 ( as)12.1 ( a)12.2 ( result)12.2 ( of)12.2 ( increased)12.2 ( deposits)30 ( )]TJ 0.046 Tc T* [(from)12.8 ( customers)12.9 ( and)12.9 ( our)12.9 ( issuance)12.8 ( of)12.9 ( interbank)12.8 ( certificates.)21 ( )]TJ ET endstream endobj 223 0 obj <>stream BT 0 0 0 1 k /Perceptual ri /GS0 gs /T1_0 1 Tf 0.025 Tc 12 0 0 12 281.8878 18.7502 Tm (\226 17 \226)Tj 0.047 Tc 0.07 Tw 13 0 0 13 170.0787 776.3179 Tm [(I)0.5 (n)0.5 (t)0.6 (e)0.5 (r)0.5 (e)0.6 (s)0.5 (t)13 ( )0.5 (e)0.6 (x)0.5 (p)0.5 (e)0.6 (n)0.5 (s)0.5 (e)13 ( )0.6 (i)0.5 (n)0.5 (c)0.5 (r)0.6 (e)0.5 (a)0.5 (s)0.6 (e)0.5 (d)13 ( )0.5 (b)0.6 (y)13 ( )0.5 (1)13 (3)13 (.)13.1 (3)13 (%)13 ( )0.5 (f)0.6 (r)0.5 (o)0.5 (m)13 ( )0.6 (R)0.5 (M)0.5 (B)13 (3)13 (,)13.1 (8)13 (8)13 (9)13 (.)13.1 (2)13 ( )0.5 (m)0.5 (i)0.5 (l)0.6 (l)0.5 (i)0.5 (o)0.5 (n)22 ( )]TJ 0.043 Tc 0 -1.231 TD [(for)12.2 ( the)12.2 ( six)12.1 ( months)12.2 ( ended)12.1 ( June)12.1 ( 3)12.2 (0)12.1 (,)12.1 ( 2)12.1 (0)12.1 (1)12.2 (8)12.1 ( to)12.1 ( RMB)12.1 (4)12.1 (,)12.2 (4)12.1 (0)12.1 (6)12.1 (.)12.1 (1)12.2 ( million)18 ( )]TJ 0.025 Tc 0.048 Tw T* (for the six months ended June 30, 2019, primarily due to a 11.2% )Tj 0.023 Tw T* (increase in the average balance of interest-bearing liabilities, from )Tj 0.046 Tw T* (RMB267,887.7 million for the six months ended June 30, 2018 to )Tj 0.041 Tc 0.07 Tw T* [(RMB)12.2 (2)12.3 (9)12.3 (7)12.2 (,)12.3 (9)12.3 (0)12.2 (2)12.3 (.)12.3 (0)12.3 ( million)12.2 ( for)12.2 ( the)12.3 ( six)12.2 ( months)12.2 ( ended)12.3 ( June)12.3 ( 3)12.2 (0)12.3 (,)12.3 ( 2)12.2 (0)12.3 (1)12.3 (9)12.2 (,)16 ( )]TJ 0.029 Tc 0.079 Tw T* [(and)4 ( )0.5 (an)4 ( )0.5 (increase)4.1 ( )0.5 (in)4 ( )0.5 (the)4 ( )0.5 (average)4.1 ( )0.5 (cost)3.9 ( )0.6 (of)4 ( )0.5 (interest-bearing)4 ( )0.5 (liabilities,)4 ( )]TJ 0.025 Tc 0.066 Tw 0 -1.231 TD (from 2.90% for the six months ended June 30, 2018 to 2.96% for )Tj 0.029 Tc 0.079 Tw 0 -1.231 TD [(the)4.1 ( six)4 ( )0.5 (months)4.1 ( ended)4 ( )0.6 (June)4.1 ( )0.5 (3)4 (0)4 (,)4 ( )0.5 (2)4 (0)4 (1)4 (9)4 (.)4 ( )0.5 (The)4 ( )0.5 (increase)4 ( )0.5 (in)4 ( )0.5 (the)4.1 ( )0.5 (average)4 ( )]TJ 0.052 Tc 0.07 Tw T* [(balance)12.4 ( of)12.5 ( interest-bearing)12.4 ( liabilities)12.5 ( was)12.5 ( primarily)12.5 ( due)12.4 ( to)12.5 ( the)27 ( )]TJ 0.045 Tc T* [(increase)12.3 ( of)12.2 ( deposits)12.3 ( from)12.2 ( customers,)12.2 ( debt)12.2 ( securities)12.2 ( issued)12.2 ( and)20 ( )]TJ 0.031 Tc 0.077 Tw T* [(reverse)6.1 ( )0.5 (repurchase)6.1 ( transactions.)6 ( )0.5 (The)6 ( )0.5 (increase)6 ( )0.5 (in)6.1 ( )0.5 (the)6.1 ( )0.5 (average)6 ( )0.5 (cost)6 ( )]TJ 0.025 Tc 0.083 Tw T* [(of )0.5 (interest-bearing )0.5 (liabilities )0.5 (was )0.5 (primarily )0.5 (due )0.5 (to )0.5 (the )0.5 (increase )0.5 (of )]TJ 0 Tw T* (market interest rates.)Tj 0 -2.462 TD [(\(A\) )-442.5 (Interest expense on deposits from customers)]TJ 0.05 Tc 0.07 Tw 2.181 -2.462 Td [(Interest)12.6 ( expense)12.7 ( on)12.7 ( deposits)12.7 ( from)12.6 ( customers)12.7 ( increased)12.7 ( by)25 ( )]TJ 0.044 Tc 0 -1.231 TD [(5)12.8 (7)12.8 (.)12.9 (1)12.8 (%)12.8 ( from)12.8 ( RMB)12.8 (1)12.8 (,)12.8 (9)12.8 (7)12.9 (8)12.8 (.)12.8 (9)12.8 ( million)12.8 ( for)12.8 ( the)12.8 ( six)12.8 ( months)12.8 ( ended)19 ( )]TJ 0.058 Tc T* [(June)12.5 ( 3)12.5 (0)12.4 (,)12.5 ( 2)12.5 (0)12.5 (1)12.5 (8)12.5 ( to)12.5 ( RMB)12.5 (3)12.5 (,)12.5 (1)12.5 (0)12.5 (9)12.5 (.)12.5 (8)12.5 ( million)12.5 ( for)12.6 ( the)12.5 ( six)12.5 ( months)33 ( )]TJ 0.067 Tc 0 -1.231 TD [(ended)12.4 ( June)12.4 ( 3)12.4 (0)12.4 (,)12.5 ( 2)12.4 (0)12.4 (1)12.4 (9)12.4 (,)12.4 ( primarily)12.4 ( due)12.4 ( to)12.4 ( a)12.4 ( 1)12.4 (8)12.4 (.)12.5 (6)12.4 (%)12.4 ( increase)42 ( )]TJ 0.06 Tc 0 -1.231 TD [(in)12.5 ( the)12.5 ( average)12.6 ( balance)12.5 ( of)12.5 ( deposits)12.5 ( from)12.5 ( customers,)12.5 ( from)35 ( )]TJ 0.052 Tc T* [(RMB)12.4 (1)12.5 (8)12.4 (7)12.4 (,)12.5 (1)12.4 (7)12.4 (7)12.5 (.)12.4 (4)12.4 ( million)12.4 ( for)12.5 ( the)12.4 ( six)12.4 ( months)12.5 ( ended)12.4 ( June)12.5 ( 3)12.5 (0)12.4 (,)27 ( )]TJ 0.059 Tc T* [(2)12.3 (0)12.4 (1)12.3 (8)12.3 ( to)12.3 ( RMB)12.3 (2)12.3 (2)12.3 (1)12.4 (,)12.3 (9)12.3 (6)12.4 (3)12.3 (.)12.3 (2)12.4 ( million)12.3 ( for)12.4 ( the)12.3 ( six)12.4 ( months)12.3 ( ended)34 ( )]TJ 0.032 Tc 0.076 Tw T* [(June)7 ( )0.5 (3)7 (0)7 (,)7 ( )0.5 (2)7 (0)7 (1)7 (9)7 (,)7 ( )0.5 (as)7 ( )0.5 (well)7 ( )0.5 (as)7 ( )0.5 (an)6.9 ( )0.6 (increase)7 ( )0.5 (in)7 ( )0.5 (the)7 ( )0.6 (average)7 ( )0.5 (cost)7 ( )0.5 (of)7 ( )]TJ 0.06 Tc 0.07 Tw T* [(deposits)12.1 ( from)12.1 ( customers,)12 ( from)12.1 ( 2)12.1 (.)12.1 (1)12.1 (1)12.1 (%)12.1 ( for)12.1 ( the)12.1 ( six)12.1 ( months)35 ( )]TJ 0.025 Tc 0.04 Tw T* (ended June 30, 2018 to 2.80% for the six months ended June )Tj 0.034 Tc 0.074 Tw T* [(3)9 (0)9 (,)9 ( )0.5 (2)9 (0)9 (1)9 (9)9 (.)9 ( )0.5 (The)9.1 ( )0.5 (increase)9 ( )0.5 (in)9 ( )0.5 (the)9 ( )0.5 (average)8.9 ( )0.6 (cost)9 ( )0.5 (of)9 ( )0.5 (deposits)9 ( )0.5 (from)9 ( )]TJ 0.046 Tc 0.07 Tw T* [(customers)12.5 ( was)12.5 ( primarily)12.5 ( due)12.5 ( to)12.5 ( the)12.5 ( rise)12.5 ( of)12.5 ( market)12.5 ( interest)21 ( )]TJ 0.025 Tc -0.025 Tw T* (rates.)Tj 0.047 Tc 0.07 Tw -2.181 -2.462 Td [(\()22 (B)22 (\))22 ( )-405.5 (Interest)12.3 ( expense)12.4 ( on)12.4 ( financial)12.3 ( assets)12.4 ( sold)12.3 ( under)12.3 ( repurchase)22 ( )]TJ 0.041 Tc 2.181 -1.231 Td [(agreements)12.8 ( and)12.8 ( placements)12.7 ( from)12.7 ( banks)12.7 ( and)12.7 ( other)12.8 ( financial)16 ( )]TJ 0.025 Tc -0.025 Tw T* (institutions)Tj 0.047 Tc 0.07 Tw 0 -2.462 TD [(Interest)12.3 ( expense)12.4 ( on)12.4 ( financial)12.3 ( assets)12.3 ( sold)12.3 ( under)12.3 ( repurchase)22 ( )]TJ 0.041 Tc 0 -1.231 TD [(agreements)12.8 ( and)12.8 ( placements)12.7 ( from)12.7 ( banks)12.7 ( and)12.7 ( other)12.8 ( financial)16 ( )]TJ 0.025 Tc 0.082 Tw T* (institutions decreased by 30.3% from RMB230.1 million for )Tj 0.049 Tc 0.07 Tw T* [(the)12.9 ( six)12.9 ( months)12.8 ( ended)12.8 ( June)12.9 ( 3)12.9 (0)12.9 (,)12.8 ( 2)12.9 (0)12.8 (1)12.9 (8)12.9 ( to)12.9 ( RMB)12.8 (1)12.9 (6)12.9 (0)12.8 (.)12.9 (4)12.8 ( million)24 ( )]TJ 0.04 Tc T* [(f)0.5 (o)0.6 (r)13 ( )0.5 (t)0.6 (h)0.5 (e)13 ( )0.6 (s)0.5 (i)0.5 (x)13 ( )0.6 (m)0.5 (o)0.5 (n)0.6 (t)0.5 (h)0.5 (s)13 ( )0.6 (e)0.5 (n)0.6 (d)0.5 (e)0.5 (d)13 ( )0.6 (J)0.5 (u)0.5 (n)0.6 (e)13 ( )0.5 (3)13.1 (0)13 (,)13 ( )0.5 (2)13.1 (0)13 (1)13 (9)13 (,)13.1 ( )0.5 (p)0.5 (r)0.6 (i)0.5 (m)0.5 (a)0.6 (r)0.5 (i)0.5 (l)0.6 (y)13 ( )0.5 (d)0.5 (u)0.6 (e)13 ( )0.5 (t)0.6 (o)13 ( )0.5 (a)15 ( )]TJ 0.025 Tc 0.004 Tw T* (23.1% increase in the average balance of financial assets sold )Tj 0.027 Tw T* (under repurchase agreements and placements from banks and )Tj 0.043 Tc 0.07 Tw T* [(other)12.6 ( financial)12.5 ( institutions,)12.6 ( from)12.5 ( RMB)12.6 (1)12.5 (1)12.6 (,)12.5 (4)12.6 (9)12.5 (2)12.6 (.)12.5 (1)12.6 ( million)12.6 ( for)18 ( )]TJ 0.025 Tc 0.036 Tw T* [(the six months ended )0.5 (June 30, 2018 to RMB14,150.8 million )]TJ 0.045 Tc 0.07 Tw T* [(for)12.3 ( the)12.3 ( six)12.3 ( months)12.3 ( ended)12.3 ( June)12.4 ( 3)12.3 (0)12.4 (,)12.3 ( 2)12.3 (0)12.4 (1)12.3 (9)12.3 (,)12.3 ( and)12.4 ( a)12.3 ( decrease)12.4 ( in)20 ( )]TJ ET endstream endobj 222 0 obj <>stream BT 0 0 0 1 k /Perceptual ri /GS0 gs /T1_0 1 Tf 0.025 Tc 12 0 0 12 281.8878 18.7502 Tm (\226 16 \226)Tj 13 0 0 13 170.0787 776.3179 Tm [(\(E\) )-553.5 (Interest income from deposits with the central bank)]TJ 0.023 Tc 2.181 -2.462 Td [(Interest income from deposits with the central bank decreased)-2.1 ( )]TJ 0.042 Tc 0.07 Tw 0 -1.231 TD [(by)12.6 ( 8)12.7 (.)12.6 (8)12.6 (%)12.6 ( from)12.6 ( RMB)12.6 (2)12.6 (1)12.6 (4)12.7 (.)12.6 (9)12.6 ( million)12.7 ( for)12.6 ( the)12.6 ( six)12.6 ( months)12.6 ( ended)17 ( )]TJ 0.075 Tc T* [(J)0.5 (u)0.5 (n)0.5 (e)13 ( )0.5 (3)13 (0)13 (,)13 ( )0.5 (2)13 (0)13 (1)13 (8)13 ( )0.5 (t)0.5 (o)13 ( )0.5 (R)0.5 (M)0.5 (B)13 (1)13 (9)13 (6)13 (.)13 (0)13 ( )0.5 (m)0.5 (i)0.5 (l)0.5 (l)0.5 (i)0.5 (o)0.5 (n)13 ( )0.5 (f)0.5 (o)0.5 (r)13 ( )0.5 (t)0.5 (h)0.5 (e)13 ( )0.5 (s)0.5 (i)0.5 (x)13 ( )0.5 (m)0.5 (o)0.5 (n)0.5 (t)0.5 (hs)50 ( )]TJ 0.051 Tc T* [(ended)12.7 ( June)12.7 ( 3)12.7 (0)12.8 (,)12.7 ( 2)12.8 (0)12.7 (1)12.8 (9)12.7 (,)12.7 ( primarily)12.7 ( due)12.8 ( to)12.7 ( a)12.7 ( 9)12.7 (.)12.7 (5)12.8 (%)12.7 ( decrease)12.8 ( in)26 ( )]TJ 0.034 Tc 0.074 Tw T* [(the)9 ( )0.5 (average)9 ( )0.5 (balance)9 ( )0.5 (of)9 ( )0.5 (deposits)9 ( )0.5 (with)9 ( )0.5 (the)9 ( )0.5 (central)9 ( )0.5 (bank,)9 ( )0.6 (from)9 ( )]TJ 0.062 Tc 0.07 Tw 0 -1.231 TD [(RMB)12.1 (2)12 (8)12.1 (,)12 (2)12.1 (7)12.1 (6)12 (.)12 (9)12.1 ( million)12 ( for)12.1 ( the)12.1 ( six)12 ( months)12.1 ( ended)12.1 ( June)12.1 ( 3)12.1 (0)12 (,)37 ( )]TJ 0.025 Tc 0.045 Tw 0 -1.231 TD (2018 to RMB25,585.4 million for the six months ended June )Tj 0.034 Tw T* (30, 2019. The decrease in average balance was primarily due )Tj 0 Tw T* (to the decrease of required deposit reserve ratio.)Tj 13 0 3.4833 13 140.3981 584.3179 Tm [(\(iii\) )-280.5 (Interest expense)]TJ 0.045 Tc 0.07 Tw 13 0 0 13 170.0787 552.3179 Tm [(The)12.3 ( table)12.2 ( below)12.3 ( sets)12.3 ( forth)12.2 ( the)12.2 ( principal)12.2 ( components)12.2 ( of)12.2 ( interest)20 ( )]TJ 0.025 Tc 0 Tw T* (expense of the Bank for the periods indicated.)Tj /T1_1 1 Tf 10.4 0 0 13 170.0787 488.3179 Tm (\(Expressed in millions of RMB, )Tj T* (unless otherwise stated\))Tj 19.094 2.462 Td (Six months ended June 30,)Tj -0.025 Tw -0.507 -1.231 Td (2019)Tj /T1_0 1 Tf 10.902 0 Td (2018)Tj /T1_1 1 Tf -14.035 -1.231 Td (Amount)Tj 0 Tw 4.574 0 Td (% of total)Tj /T1_0 1 Tf -0.025 Tw 6.55 0 Td (Amount)Tj 0 Tw 4.685 0 Td (% of total)Tj -0.025 Tw 10.4 0 3.4833 13 407.7534 456.3179 Tm (\(%\))Tj 10.902 0 Td (\(%\))Tj 0 Tw 10.4 0 0 13 170.0787 424.3179 Tm (Deposits from customers)Tj /T1_1 1 Tf -0.025 Tw 15.929 0 Td 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The )Tj 0.041 Tc 0.07 Tw T* [(t)0.5 (ab)0.5 (l)0.5 (e)12.9 ( )0.5 (b)0.5 (el)0.5 (o)0.5 (w)12.9 ( )0.5 (s)0.5 (et)0.5 (s)13 ( )0.5 (fo)0.5 (r)0.5 (th)13 ( t)0.5 (h)0.5 (e)12.9 ( )0.5 (a)0.5 (ve)0.5 (r)0.5 (a)0.5 (ge)13 ( )0.5 (ba)0.5 (l)0.5 (a)0.5 (nc)0.5 (e)0.5 (,)12.9 ( )0.5 (in)0.5 (t)0.5 (e)0.5 (re)0.5 (s)0.5 (t)12.9 ( )0.5 (i)0.5 (nc)0.5 (o)0.5 (me)16 ( )]TJ 0.025 Tc 0.072 Tw T* (and average yield of loans and advances to customers of the )Tj 0 Tw 0 -1.192 TD (Bank by product for the periods indicated.)Tj /T1_1 1 Tf 7.8 0 0 13 198.4252 621.3179 Tm (\(Expressed in millions )Tj 0 -1.192 TD (of RMB, unless )Tj T* (otherwise stated\))Tj 22.002 3.577 Td (Six months ended June 30,)Tj -0.025 Tw -3.233 -1.192 Td (2019)Tj /T1_0 1 Tf 16.354 0 Td (2018)Tj /T1_1 1 Tf -22.473 -1.192 Td (Average)Tj -0.733 -1.192 Td (balance )Tj 4.5474 0 0 7.579 320.4547 595.5179 Tm (\(1\))Tj 7.8 0 0 13 341.15 605.8179 Tm (Interest)Tj 0.327 -1.192 Td (income)Tj 4.927 1.192 Td (Average)Tj 1.548 -1.192 Td (yield)Tj 0 Tc 0 Tw 4.5474 0 0 7.579 411.2186 595.5179 Tm ( )Tj /T1_0 1 Tf 0.025 Tc -0.025 Tw 7.8 0 0 13 425.9553 605.8179 Tm (Average)Tj 0.333 -1.192 Td (balance)Tj 5.481 1.192 Td (Interest)Tj 0.105 -1.192 Td (income)Tj 4.983 1.192 Td (Average)Tj 1.437 -1.192 Td (yield)Tj /T1_1 1 Tf 7.8 0 3.4833 13 396.3048 574.8179 Tm (\(%\))Tj /T1_0 1 Tf 0 Tc 0 Tw 7.8 0 0 13 491.773 574.8179 Tm ( )Tj 0.025 Tc -0.025 Tw 7.8 0 3.4833 13 525.1666 574.8179 Tm (\(%\))Tj 0 Tw 7.8 0 0 13 198.4254 543.8179 Tm (Corporate loans)Tj /T1_1 1 Tf -0.025 Tw 12.154 0 Td (111,578.4 )Tj 6.501 0 Td (3,583.8 )Tj 6.776 0 Td (6.42 )Tj /T1_0 1 Tf 3.076 0 Td (100,181.0)Tj 6.501 0 Td (3,417.4)Tj 6.776 0 Td (6.82)Tj 0 Tw -41.785 -1.192 Td (Retail loans)Tj /T1_1 1 Tf -0.025 Tw 12.679 0 Td (29,770.4 )Tj 6.776 0 Td (942.0 )Tj 5.976 0 Td (6.33 )Tj /T1_0 1 Tf 3.601 0 Td (19,073.0)Tj 6.776 0 Td (743.3)Tj 5.976 0 Td (7.79)Tj 0 Tw -41.785 -1.192 Td (Discounted bills)Tj /T1_1 1 Tf -0.025 Tw 12.679 0 Td (24,360.7 )Tj 6.776 0 Td (534.0 )Tj 5.976 0 Td (4.38 )Tj /T1_0 1 Tf 3.601 0 Td (17,921.1)Tj 6.776 0 Td (538.2)Tj 5.976 0 Td (6.01)Tj ET 0 0 0 1 K 0.5 w q 1 0 0 1 294.8031 508.4078 cm 0 0 m 31.181 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 7.8 0 0 13 321.6942 509.8088 Tm ( )Tj ET q 1 0 0 1 337.3228 508.4078 cm 0 0 m 31.181 0 l S Q BT 7.8 0 0 13 364.2139 509.8088 Tm ( )Tj ET q 1 0 0 1 379.8425 508.4078 cm 0 0 m 31.181 0 l S Q BT 7.8 0 0 13 406.7336 509.8088 Tm ( )Tj ET q 1 0 0 1 422.3622 508.4078 cm 0 0 m 31.181 0 l S Q BT /T1_0 1 Tf 7.8 0 0 13 449.2533 509.8088 Tm ( )Tj ET q 1 0 0 1 464.8819 508.4078 cm 0 0 m 31.181 0 l S Q BT 7.8 0 0 13 491.773 509.8088 Tm ( )Tj ET q 1 0 0 1 507.4016 508.4078 cm 0 0 m 31.181 0 l S Q BT 7.8 0 0 13 534.2927 509.8088 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -43.06 -2.385 Td (Total loans and advances )Tj 1.09 -1.192 Td (to customers)Tj -0.025 Tw 11.063 0 Td (165,709.5 )Tj 6.501 0 Td (5,059.8 )Tj 6.776 0 Td (6.11 )Tj /T1_0 1 Tf 3.076 0 Td (137,175.1)Tj 6.501 0 Td (4,698.9)Tj 6.776 0 Td (6.85)Tj ET 2.5 w q 1 0 0 1 294.8032 457.7443 cm 0 0 m 31.181 0 l S Q 0.835 w q 1 0 0 1 294.8032 454.4118 cm 0 0 m 31.181 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 7.8 0 0 13 321.6943 455.6453 Tm ( )Tj ET 2.5 w q 1 0 0 1 337.3229 457.7443 cm 0 0 m 31.181 0 l S Q 0.835 w q 1 0 0 1 337.3229 454.4118 cm 0 0 m 31.181 0 l S Q BT 7.8 0 0 13 364.214 455.6453 Tm ( )Tj ET 2.5 w q 1 0 0 1 379.8426 457.7443 cm 0 0 m 31.181 0 l S Q 0.835 w q 1 0 0 1 379.8426 454.4118 cm 0 0 m 31.181 0 l S Q BT 7.8 0 0 13 406.7337 455.6453 Tm ( )Tj ET 2.5 w q 1 0 0 1 422.3622 457.7443 cm 0 0 m 31.181 0 l S Q 0.835 w q 1 0 0 1 422.3622 454.4118 cm 0 0 m 31.181 0 l S Q BT /T1_0 1 Tf 7.8 0 0 13 449.2534 455.6453 Tm ( )Tj ET 2.5 w q 1 0 0 1 464.8819 457.7443 cm 0 0 m 31.181 0 l S Q 0.835 w q 1 0 0 1 464.8819 454.4118 cm 0 0 m 31.181 0 l S Q BT 7.8 0 0 13 491.773 455.6453 Tm ( )Tj ET 2.5 w q 1 0 0 1 507.4016 457.7443 cm 0 0 m 31.181 0 l S Q 0.835 w q 1 0 0 1 507.4016 454.4118 cm 0 0 m 31.181 0 l S Q BT 7.8 0 0 13 534.2927 455.6453 Tm ( )Tj 0.025 Tc -0.025 Tw 11 0 2.9474 11 197.2964 428.2963 Tm (Note:)Tj 6.413 0 0 6.413 198.4252 405.6963 Tm (\(1\) )Tj 0.031 Tc 0.077 Tw 11 0 0 11 226.7717 401.2963 Tm [(Represents)6 ( )0.5 (the)6.1 ( average)6.1 ( )0.5 (of)6 ( )0.5 (daily)6 ( )0.5 (balances)6 ( )0.5 (based)6 ( )0.5 (on)6 ( )0.5 (our)6 ( )0.5 (unaudited)6 ( )]TJ 0.025 Tc 0 Tw 0 -1.227 TD (management accounts.)Tj 0.022 Tc 13 0 0 13 170.0788 356.7963 Tm [(\()-3 (B)-3 (\))-3 ( )-500.5 (Interest income from investment securities and other financial)-2.9 ( )]TJ 0.025 Tc -0.025 Tw 2.181 -1.192 Td (assets)Tj 0.022 Tc 0 Tw 0 -2.385 TD [(Interest income from investment securities and other financial)-3 ( )]TJ 0.04 Tc 0.07 Tw 0 -1.192 TD [(assets)12.6 ( increased)12.6 ( by)12.6 ( 4)12.6 (.)12.6 (1)12.6 (%)12.6 ( from)12.6 ( RMB)12.6 (1)12.6 (,)12.6 (8)12.6 (9)12.6 (2)12.6 (.)12.6 (5)12.6 ( million)12.6 ( for)12.6 ( the)15 ( )]TJ 0.031 Tc 0.077 Tw T* [(six)6.1 ( months)6 ( )0.5 (ended)6 ( )0.5 (June)6 ( )0.5 (3)6 (0)6 (,)6 ( )0.5 (2)6 (0)6 (1)6 (8)6 ( )0.5 (to)6 ( )0.5 (RMB)6.1 (1)6 (,)6 (9)6 (7)6 (0)6 (.)6 (2)6 ( )0.5 (million)6 ( )0.5 (for)6 ( )]TJ 0.025 Tc 0.04 Tw T* (the six months ended June 30, 2019, primarily due to a 1.8% )Tj 0.029 Tc 0.079 Tw T* [(i)0.5 (n)0.6 (c)0.5 (r)0.6 (e)0.5 (a)0.6 (s)0.5 (e)4 ( )0.5 (i)0.6 (n)4 ( )0.5 (t)0.5 (h)0.5 (e)4.1 ( )0.5 (a)0.5 (v)0.5 (e)0.6 (r)0.5 (a)0.6 (g)0.5 (e)4 ( )0.6 (b)0.5 (a)0.5 (l)0.6 (a)0.5 (n)0.6 (c)0.5 (e)4 ( )0.5 (o)0.6 (f)4 ( )0.5 (i)0.5 (n)0.6 (v)0.5 (e)0.5 (s)0.6 (t)0.5 (m)0.5 (e)0.6 (n)0.5 (t)4 ( )0.5 (s)0.6 (e)0.5 (c)0.6 (u)0.5 (r)0.6 (i)0.5 (t)0.5 (i)0.6 (e)0.5 (s)4 ( )0.5 (a)0.6 (n)0.5 (d)4 ( )]TJ 0.025 Tc 0.055 Tw 0 -1.192 TD (other financial assets, from RMB84,955.4 million for the six )Tj 0.036 Tw 0 -1.192 TD (months ended June 30, 2018 to RMB86,478.9 million for the )Tj 0.047 Tc 0.07 Tw T* [(six)12.4 ( months)12.3 ( ended)12.3 ( June)12.3 ( 3)12.4 (0)12.3 (,)12.4 ( 2)12.3 (0)12.4 (1)12.3 (9)12.4 (,)12.4 ( as)12.4 ( well)12.4 ( as)12.4 ( an)12.3 ( increase)12.3 ( in)22 ( )]TJ 0.025 Tc 0.039 Tw T* (the average yield of investment securities and other financial )Tj 0.008 Tw 0 -1.192 TD [(assets, )0.5 (from )0.5 (4.46% )0.6 (for )0.6 (the )0.5 (six )0.5 (months )0.5 (ended )0.5 (June )0.5 (30, )0.5 (2018 )0.5 (to )]TJ 0.061 Tw 0 -1.192 TD (4.56% for the six months ended June 30, 2019. The increase )Tj 0.054 Tc 0.07 Tw T* [(in)12.6 ( average)12.6 ( balance)12.6 ( mainly)12.6 ( reflected)12.6 ( the)12.6 ( Bank\222s)12.6 ( increased)29 ( )]TJ 0.087 Tc T* [(investment)12.7 ( in)12.7 ( financial)12.7 ( assets)12.8 ( to)12.7 ( diversify)12.7 ( investment)62 ( )]TJ 0.025 Tc 0 Tw 0 -1.192 TD (portfolio of the Bank. The average yield is relatively stable.)Tj ET endstream endobj 229 0 obj <>stream BT 0 0 0 1 k /Perceptual ri /GS0 gs /T1_0 1 Tf 0.025 Tc 12 0 0 12 281.8878 18.7502 Tm (\226 13 \226)Tj 13 0 3.4833 13 140.3981 776.3179 Tm [(\(ii\) )-583.5 (Interest income)]TJ 0.045 Tc 0.07 Tw 13 0 0 13 170.0787 744.3179 Tm [(The)12.3 ( table)12.2 ( below)12.3 ( sets)12.3 ( forth)12.2 ( the)12.2 ( principal)12.2 ( components)12.2 ( of)12.2 ( interest)20 ( )]TJ 0.025 Tc 0 Tw 0 -1.231 TD (income of the Bank for the periods indicated.)Tj /T1_1 1 Tf 10.4 0 0 13 170.0787 680.3179 Tm (\(Expressed in millions of RMB, )Tj T* (unless otherwise stated\))Tj 19.094 2.462 Td (Six months ended June 30,)Tj -0.025 Tw -0.507 -1.231 Td (2019)Tj /T1_0 1 Tf 10.902 0 Td (2018)Tj /T1_1 1 Tf -14.035 -1.231 Td (Amount)Tj 0 Tw 4.574 0 Td (% of total)Tj /T1_0 1 Tf -0.025 Tw 6.55 0 Td (Amount)Tj 0 Tw 4.685 0 Td (% of total)Tj -0.025 Tw 10.4 0 3.4833 13 407.7534 648.3179 Tm (\(%\))Tj 10.902 0 Td (\(%\))Tj 0 Tw 10.4 0 0 13 170.0787 613.3088 Tm (Loans and advances to )Tj 0 Tc 10.4 0 0 13 272.8398 613.3088 Tm ( )Tj 0.025 Tc -0.025 Tw 10.4 0 0 13 178.5826 597.3088 Tm (customers)Tj /T1_1 1 Tf 15.112 0 Td (5,059.8)Tj 6.776 0 Td (66.3)Tj /T1_0 1 Tf 4.126 0 Td (4,698.9)Tj 6.776 0 Td (62.3)Tj 0 Tw -33.608 -1.231 Td (Investment securities and other )Tj 0.818 -1.231 Td (financial assets)Tj -0.025 Tw 6.0632 0 0 7.579 245.9942 570.5089 Tm (\(1\))Tj /T1_1 1 Tf 10.4 0 0 13 335.744 565.3088 Tm (1,970.2)Tj 6.776 0 Td (25.8)Tj /T1_0 1 Tf 4.126 0 Td (1,892.5)Tj 6.776 0 Td (25.1)Tj 0 Tw -33.608 -1.231 Td (Deposits with banks)Tj /T1_1 1 Tf -0.025 Tw 16.729 0 Td (167.0)Tj 6.501 0 Td (2.2)Tj /T1_0 1 Tf 4.401 0 Td (534.2)Tj 6.501 0 Td (7.1)Tj 0.024 Tc 0 Tw -34.133 -1.231 Td [(Financial assets held under resale)-1 ( )]TJ 0.025 Tc 0.818 -1.231 Td (agreements and placements )Tj T* (with banks and other financial )Tj -0.025 Tw T* (institutions)Tj /T1_1 1 Tf 15.912 0 Td (234.2)Tj 6.501 0 Td (3.1)Tj /T1_0 1 Tf 4.401 0 Td (206.3)Tj 6.501 0 Td (2.7)Tj 0 Tw -34.133 -1.231 Td (Deposits with the central bank)Tj /T1_1 1 Tf -0.025 Tw 16.729 0 Td (196.0)Tj 6.501 0 Td (2.6)Tj /T1_0 1 Tf 4.401 0 Td (214.9)Tj 6.501 0 Td (2.8)Tj ET 0 0 0 1 K 0.5 w q 1 0 0 1 323.1496 464.8987 cm 0 0 m 45.354 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 10.4 0 0 13 362.784 466.2997 Tm ( )Tj ET q 1 0 0 1 379.8425 464.8987 cm 0 0 m 45.354 0 l S Q BT 10.4 0 0 13 419.4769 466.2997 Tm ( )Tj ET q 1 0 0 1 436.5354 464.8987 cm 0 0 m 45.354 0 l S Q BT /T1_0 1 Tf 10.4 0 0 13 476.1698 466.2997 Tm ( )Tj ET q 1 0 0 1 493.2283 464.8987 cm 0 0 m 45.354 0 l S Q BT 10.4 0 0 13 532.8627 466.2997 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -0.025 Tw -34.883 -2.462 Td (Total)Tj 15.929 0 Td (7,627.2)Tj 6.251 0 Td (100.0)Tj /T1_0 1 Tf 4.651 0 Td (7,546.8)Tj 6.251 0 Td (100.0)Tj ET 2.5 w q 1 0 0 1 323.1495 428.7352 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 323.1495 425.4027 cm 0 0 m 45.354 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 10.4 0 0 13 362.7839 426.6362 Tm ( )Tj ET 2.5 w q 1 0 0 1 379.8424 428.7352 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 379.8424 425.4027 cm 0 0 m 45.354 0 l S Q BT 10.4 0 0 13 419.4768 426.6362 Tm ( )Tj ET 2.5 w q 1 0 0 1 436.5354 428.7352 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 436.5354 425.4027 cm 0 0 m 45.354 0 l S Q BT /T1_0 1 Tf 10.4 0 0 13 476.1697 426.6362 Tm ( )Tj ET 2.5 w q 1 0 0 1 493.2283 428.7352 cm 0 0 m 45.354 0 l S Q 0.835 w q 1 0 0 1 493.2283 425.4027 cm 0 0 m 45.354 0 l S Q BT 10.4 0 0 13 532.8626 426.6362 Tm ( )Tj 0.025 Tc -0.025 Tw 11 0 2.9474 11 170.0786 398.2871 Tm (Note: )Tj 6.413 0 0 6.413 170.0786 374.6871 Tm (\(1\))Tj 0.04 Tc 0.07 Tw 11 0 0 11 178.037 370.2871 Tm [( )-1493.5 (Interest)12.3 ( income)12.4 ( included)12.3 ( the)12.3 ( interest)12.3 ( income)12.3 ( calculated)12.4 ( in)12.3 ( net)12.3 ( trading)15 ( )]TJ 0.025 Tc 0 Tw 1.853 -1.273 Td (gains of financial assets at fair value through profit or loss. )Tj 0.031 Tw -2.577 -2.545 Td [( )-2271 (Interest income increased by 1.1% from RMB7,546.8 million for the six )]TJ 0.065 Tw 2.577 -1.273 Td (months ended June 30, 2018 to RMB7,627.2 million for the six months )Tj 0.068 Tw 0 -1.273 TD (ended June 30, 2019, primarily in line with the growth of our business. \ )Tj 0.007 Tw 0 -1.273 TD (The increase in the average balance of interest-earning assets was in li\ ne )Tj 0.039 Tc 0.07 Tw 0 -1.273 TD [(with)12.5 ( the)12.4 ( growth)12.5 ( of)12.5 ( our)12.4 ( business.)12.5 ( The)12.4 ( decrease)12.4 ( in)12.4 ( the)12.5 ( average)12.5 ( yield)12.4 ( of)14 ( )]TJ 0.031 Tc 0.077 Tw T* [(i)0.5 (n)0.5 (t)0.5 (e)0.6 (r)0.5 (e)0.5 (s)0.5 (t)0.5 (-)0.5 (e)0.6 (a)0.5 (r)0.5 (n)0.5 (i)0.5 (n)0.5 (g)6 ( )0.6 (a)0.5 (s)0.5 (s)0.5 (e)0.5 (t)0.5 (s)6.1 ( )0.5 (w)0.5 (a)0.5 (s)6 ( )0.5 (p)0.5 (r)0.6 (i)0.5 (m)0.5 (a)0.5 (r)0.5 (i)0.5 (l)0.5 (y)6 ( )0.5 (d)0.6 (u)0.5 (e)6 ( )0.5 (t)0.5 (o)6 ( )0.5 (t)0.5 (h)0.5 (e)6.1 ( )0.5 (f)0.5 (a)0.5 (l)0.5 (l)6 ( )0.5 (o)0.5 (f)6 ( )0.5 (t)0.5 (h)0.6 (e)6 ( )0.5 (i)0.5 (n)0.5 (t)0.5 (e)0.5 (r)0.6 (e)0.5 (s)0.5 (t)6 ( )0.5 (r)0.5 (a)0.6 (t)0.5 (e)6 ( )]TJ 0.034 Tc 0.074 Tw 0 -1.273 TD [(o)0.5 (f)9 ( )0.5 (l)0.6 (o)0.5 (a)0.6 (n)0.5 (s)9 ( )0.5 (a)0.6 (n)0.5 (d)9 ( )0.5 (a)0.5 (d)0.6 (v)0.5 (a)0.6 (n)0.5 (c)0.5 (e)0.6 (s)9 ( )0.5 (t)0.5 (o)9 ( )0.5 (c)0.6 (u)0.5 (s)0.6 (t)0.5 (o)0.5 (m)0.6 (e)0.5 (r)0.6 (s)9 ( )0.5 (a)0.5 (s)9 ( )0.5 (a)9 ( )0.5 (r)0.6 (e)0.5 (s)0.6 (u)0.5 (l)0.6 (t)8.9 ( )0.6 (o)0.5 (f)9 ( )0.5 (t)0.5 (h)0.6 (e)9 ( )0.5 (i)0.5 (n)0.6 (t)0.5 (e)0.5 (n)0.6 (s)0.5 (i)0.6 (v)0.5 (e)9 ( )0.5 (m)0.5 (a)0.6 (r)0.5 (k)0.6 (e)0.5 (t)9 ( )]TJ 0.025 Tc -0.025 Tw 0 -1.273 TD (competitiveness.)Tj ET endstream endobj 228 0 obj <>stream BT 0 0 0 1 k /Perceptual ri /GS0 gs /T1_0 1 Tf 0.025 Tc 12 0 0 12 281.8878 18.7502 Tm (\226 12 \226)Tj /T1_1 1 Tf 10.4 0 0 13 170.0787 738.8479 Tm (\(Expressed in millions of RMB, )Tj 0 -1.231 TD (unless otherwise stated\))Tj 16.794 3.692 Td (Six months ended June 30, 2019 vs 2018)Tj 3.097 -1.231 Td (Increase/\(decrease\) due to )Tj -0.025 Tw -2.445 -2.462 Td (Amount)Tj 6.0632 0 0 7.579 389.4776 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(institutions)Tj /T1_1 1 Tf 19.162 0 Td (92.1 )Tj 6.431 0 Td (\(63.9\))Tj 7.197 0 Td (27.9 )Tj /T1_0 1 Tf 0 Tw -33.608 -1.231 Td (Deposits with the central bank)Tj /T1_1 1 Tf -0.025 Tw 19.597 0 Td (\(20.6\))Tj 7.722 0 Td (1.4 )Tj 5.906 0 Td (\(18.9\))Tj ET 0 0 0 1 K 0.5 w q 1 0 0 1 337.3229 542.4379 cm 0 0 m 59.528 0 l S Q BT 0 Tc 0 Tw 10.4 0 0 13 391.1305 543.8389 Tm ( )Tj ET q 1 0 0 1 408.1891 542.4379 cm 0 0 m 59.528 0 l S Q BT 10.4 0 0 13 461.9966 543.8389 Tm ( )Tj ET q 1 0 0 1 479.0552 542.4379 cm 0 0 m 59.528 0 l S Q BT 10.4 0 0 13 532.8628 543.8389 Tm ( )Tj 0.025 Tc -34.883 -2.462 Td (Change in interest income)Tj -0.025 Tw 19.455 0 Td (352.6 )Tj 6.431 0 Td (\(277.6\))Tj 0 Tw 7.447 0 Td ( 80.4)Tj ET 2.5 w q 1 0 0 1 337.3229 506.2743 cm 0 0 m 59.528 0 l S Q 0.835 w q 1 0 0 1 337.3229 502.9418 cm 0 0 m 59.528 0 l S Q BT 0 Tc 10.4 0 0 13 391.1305 504.1753 Tm ( )Tj ET 2.5 w q 1 0 0 1 408.1891 506.2743 cm 0 0 m 59.528 0 l S Q 0.835 w q 1 0 0 1 408.1891 502.9418 cm 0 0 m 59.528 0 l S Q 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central bank )Tj -0.025 Tw 4.1976 0 0 6.996 265.0451 551.5209 Tm (\(4\))Tj /T1_1 1 Tf 7.2 0 0 12 299.524 546.7209 Tm (25,585.4 )Tj 7.231 0 Td (196.0 )Tj 6.431 0 Td (1.53 )Tj /T1_0 1 Tf 4.056 0 Td (28,276.9)Tj 7.23 0 Td (214.9)Tj 6.431 0 Td (1.52)Tj ET 0 0 0 1 K 0.5 w q 1 0 0 1 294.8029 542.4379 cm 0 0 m 31.181 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 7.2 0 0 12 322.024 543.7119 Tm ( )Tj ET q 1 0 0 1 337.3225 542.4379 cm 0 0 m 31.181 0 l S Q BT 7.2 0 0 12 364.5437 543.7119 Tm ( )Tj ET q 1 0 0 1 379.8422 542.4379 cm 0 0 m 31.181 0 l S Q BT 7.2 0 0 12 407.0634 543.7119 Tm ( )Tj ET q 1 0 0 1 422.3619 542.4379 cm 0 0 m 31.181 0 l S Q BT /T1_0 1 Tf 7.2 0 0 12 449.583 543.7119 Tm ( )Tj ET q 1 0 0 1 464.8816 542.4379 cm 0 0 m 31.181 0 l S Q BT 7.2 0 0 12 492.1027 543.7119 Tm ( )Tj ET q 1 0 0 1 507.4013 542.4379 cm 0 0 m 31.181 0 l S Q BT 7.2 0 0 12 534.6224 543.7119 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -50.631 -2.667 Td (Total interest-earning assets)Tj -0.025 Tw 17.454 0 Td (306,356.5)Tj 6.956 0 Td (7,627.2)Tj 7.231 0 Td (4.98)Tj /T1_0 1 Tf 3.531 0 Td (292,194.1)Tj 6.956 0 Td (7,546.8)Tj 7.23 0 Td (5.17)Tj ET 2.5 w q 1 0 0 1 294.8027 506.2743 cm 0 0 m 31.181 0 l S Q 0.835 w q 1 0 0 1 294.8027 502.9418 cm 0 0 m 31.181 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 7.2 0 0 12 322.0239 504.0483 Tm ( )Tj ET 2.5 w q 1 0 0 1 337.3224 506.2743 cm 0 0 m 31.181 0 l S Q 0.835 w q 1 0 0 1 337.3224 502.9418 cm 0 0 m 31.181 0 l S Q BT 7.2 0 0 12 364.5435 504.0483 Tm ( )Tj ET 2.5 w q 1 0 0 1 379.8421 506.2743 cm 0 0 m 31.181 0 l S Q 0.835 w q 1 0 0 1 379.8421 502.9418 cm 0 0 m 31.181 0 l S Q BT 7.2 0 0 12 407.0632 504.0483 Tm ( )Tj ET 2.5 w q 1 0 0 1 422.3618 506.2743 cm 0 0 m 31.181 0 l S Q 0.835 w q 1 0 0 1 422.3618 502.9418 cm 0 0 m 31.181 0 l S Q BT /T1_0 1 Tf 7.2 0 0 12 449.5829 504.0483 Tm ( )Tj ET 2.5 w q 1 0 0 1 464.8815 506.2743 cm 0 0 m 31.181 0 l S Q 0.835 w q 1 0 0 1 464.8815 502.9418 cm 0 0 m 31.181 0 l S Q BT 7.2 0 0 12 492.1026 504.0483 Tm ( )Tj ET 2.5 w q 1 0 0 1 507.4012 506.2743 cm 0 0 m 31.181 0 l S Q 0.835 w q 1 0 0 1 507.4012 502.9418 cm 0 0 m 31.181 0 l S Q BT 7.2 0 0 12 534.6223 504.0483 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -50.631 -2.667 Td (Interest-bearing liabilities)Tj /T1_0 1 Tf -0 -1.333 Td (Deposits from customers)Tj /T1_1 1 Tf -0.025 Tw 17.454 0 Td (221,963.2 )Tj 6.955 0 Td (3,109.8 )Tj 7.231 0 Td (2.80 )Tj /T1_0 1 Tf 3.531 0 Td (187,177.4)Tj 6.956 0 Td (1,978.9)Tj 7.231 0 Td (2.11)Tj 0 Tw -49.356 -1.333 Td (Financial assets sold under repurchase )Tj 1.181 -1.333 Td (agreements and placements )Tj 0 -1.333 TD (from banks and other financial )Tj -0.025 Tw T* (institutions)Tj /T1_1 1 Tf 16.797 0 Td (14,150.8 )Tj 7.231 0 Td (160.4 )Tj 6.431 0 Td (2.27 )Tj /T1_0 1 Tf 4.056 0 Td (11,492.1)Tj 7.231 0 Td (230.1)Tj 6.431 0 Td (4.00)Tj 0 Tw -49.356 -1.333 Td (Debt securities issued)Tj -0.025 Tw 4.1976 0 0 6.996 236.8281 380.8483 Tm (\(5\))Tj /T1_1 1 Tf 7.2 0 0 12 299.5236 376.0483 Tm (42,045.1 )Tj 7.231 0 Td (822.2 )Tj 6.431 0 Td (3.91 )Tj /T1_0 1 Tf 4.056 0 Td (30,301.7)Tj 7.23 0 Td (754.6)Tj 6.431 0 Td (4.98)Tj 0 Tw -49.356 -1.333 Td (Deposits from banks and other )Tj 1.181 -1.333 Td (financial institutions)Tj /T1_1 1 Tf -0.025 Tw 16.797 0 Td (12,157.9 )Tj 7.231 0 Td (176.8 )Tj 6.431 0 Td (2.91 )Tj /T1_0 1 Tf 4.056 0 Td (32,273.1)Tj 7.23 0 Td (804.7)Tj 6.431 0 Td (4.99)Tj 0 Tw -49.356 -1.333 Td (Borrowings from the central bank)Tj /T1_1 1 Tf -0.025 Tw 18.504 0 Td (7,585.0 )Tj 6.706 0 Td (136.9 )Tj 6.431 0 Td (3.61 )Tj /T1_0 1 Tf 4.581 0 Td (6,643.4)Tj 6.705 0 Td (120.9)Tj 6.431 0 Td (3.64)Tj ET 0.5 w q 1 0 0 1 294.8024 323.7652 cm 0 0 m 31.181 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 7.2 0 0 12 322.0236 325.0392 Tm ( )Tj ET q 1 0 0 1 337.3221 323.7652 cm 0 0 m 31.181 0 l S Q BT 7.2 0 0 12 364.5432 325.0392 Tm ( )Tj ET q 1 0 0 1 379.8418 323.7652 cm 0 0 m 31.181 0 l S Q BT 7.2 0 0 12 407.0629 325.0392 Tm ( )Tj ET q 1 0 0 1 422.3615 323.7652 cm 0 0 m 31.181 0 l S Q BT /T1_0 1 Tf 7.2 0 0 12 449.5826 325.0392 Tm ( )Tj ET q 1 0 0 1 464.8812 323.7652 cm 0 0 m 31.181 0 l S Q BT 7.2 0 0 12 492.1023 325.0392 Tm ( )Tj ET q 1 0 0 1 507.4008 323.7652 cm 0 0 m 31.181 0 l S Q BT 7.2 0 0 12 534.622 325.0392 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -50.631 -2.667 Td (Total interest-bearing liabilities)Tj -0.025 Tw 17.454 0 Td (297,902.0 )Tj 6.956 0 Td (4,406.1 )Tj 7.231 0 Td (2.96 )Tj /T1_0 1 Tf 3.531 0 Td (267,887.7)Tj 6.956 0 Td (3,889.2)Tj 7.23 0 Td (2.90)Tj ET 2.5 w q 1 0 0 1 294.8023 287.6017 cm 0 0 m 31.181 0 l S Q 0.835 w q 1 0 0 1 294.8023 284.2692 cm 0 0 m 31.181 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 7.2 0 0 12 322.0234 285.3757 Tm ( )Tj ET 2.5 w q 1 0 0 1 337.322 287.6017 cm 0 0 m 31.181 0 l S Q 0.835 w q 1 0 0 1 337.322 284.2692 cm 0 0 m 31.181 0 l S Q BT 7.2 0 0 12 364.5431 285.3757 Tm ( )Tj ET 2.5 w q 1 0 0 1 379.8417 287.6017 cm 0 0 m 31.181 0 l S Q 0.835 w q 1 0 0 1 379.8417 284.2692 cm 0 0 m 31.181 0 l S Q BT 7.2 0 0 12 407.0628 285.3757 Tm ( )Tj ET 2.5 w q 1 0 0 1 422.3614 287.6017 cm 0 0 m 31.181 0 l S Q 0.835 w q 1 0 0 1 422.3614 284.2692 cm 0 0 m 31.181 0 l S Q BT /T1_0 1 Tf 7.2 0 0 12 449.5825 285.3757 Tm ( )Tj ET 2.5 w q 1 0 0 1 464.881 287.6017 cm 0 0 m 31.181 0 l S Q 0.835 w q 1 0 0 1 464.881 284.2692 cm 0 0 m 31.181 0 l S Q BT 7.2 0 0 12 492.1022 285.3757 Tm ( )Tj ET 2.5 w q 1 0 0 1 507.4007 287.6017 cm 0 0 m 31.181 0 l S Q 0.835 w q 1 0 0 1 507.4007 284.2692 cm 0 0 m 31.181 0 l S Q BT 7.2 0 0 12 534.6219 285.3757 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -50.631 -2.667 Td (Net interest income)Tj 0 Tc 21.154 0 Td (\226)Tj 0.025 Tc -0.025 Tw 3.256 0 Td (3,221.1)Tj 0 Tc 0 Tw 8.556 0 Td (\226)Tj /T1_0 1 Tf 5.906 0 Td (\226)Tj 0.025 Tc -0.025 Tw 3.256 0 Td (3,657.6)Tj 0 Tc 0 Tw 8.556 0 Td (\226)Tj ET 2.5 w q 1 0 0 1 294.8022 247.9382 cm 0 0 m 31.181 0 l S Q 0.835 w q 1 0 0 1 294.8022 244.6057 cm 0 0 m 31.181 0 l S Q BT /T1_1 1 Tf 7.2 0 0 12 322.0233 245.7122 Tm ( )Tj ET 2.5 w q 1 0 0 1 337.3219 247.9382 cm 0 0 m 31.181 0 l S Q 0.835 w q 1 0 0 1 337.3219 244.6057 cm 0 0 m 31.181 0 l S Q BT 7.2 0 0 12 364.543 245.7122 Tm ( )Tj ET 2.5 w q 1 0 0 1 379.8416 247.9382 cm 0 0 m 31.181 0 l S Q 0.835 w q 1 0 0 1 379.8416 244.6057 cm 0 0 m 31.181 0 l S Q BT 7.2 0 0 12 407.0627 245.7122 Tm ( )Tj ET 2.5 w q 1 0 0 1 422.3613 247.9382 cm 0 0 m 31.181 0 l S Q 0.835 w q 1 0 0 1 422.3613 244.6057 cm 0 0 m 31.181 0 l S Q BT /T1_0 1 Tf 7.2 0 0 12 449.5824 245.7122 Tm ( )Tj ET 2.5 w q 1 0 0 1 464.881 247.9382 cm 0 0 m 31.181 0 l S Q 0.835 w q 1 0 0 1 464.881 244.6057 cm 0 0 m 31.181 0 l S Q BT 7.2 0 0 12 492.1021 245.7122 Tm ( )Tj ET 2.5 w q 1 0 0 1 507.4006 247.9382 cm 0 0 m 31.181 0 l S Q 0.835 w q 1 0 0 1 507.4006 244.6057 cm 0 0 m 31.181 0 l S Q BT 7.2 0 0 12 534.6218 245.7122 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -50.631 -2.667 Td (Net interest spread)Tj -0.025 Tw 4.1976 0 0 6.996 231.8813 218.5122 Tm (\(6\))Tj 0 Tc 0 Tw 7.2 0 0 12 322.3832 213.7122 Tm (\226)Tj 5.906 0 Td (\226)Tj 0.025 Tc -0.025 Tw 4.581 0 Td (2.02)Tj /T1_0 1 Tf 0 Tc 0 Tw 7.231 0 Td (\226)Tj 5.906 0 Td (\226)Tj 0.025 Tc -0.025 Tw 4.581 0 Td (2.27)Tj ET 2.5 w q 1 0 0 1 294.8021 208.2746 cm 0 0 m 31.181 0 l S Q 0.835 w q 1 0 0 1 294.8021 204.9421 cm 0 0 m 31.181 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 7.2 0 0 12 322.0232 206.0486 Tm ( )Tj ET 2.5 w q 1 0 0 1 337.3217 208.2746 cm 0 0 m 31.181 0 l S Q 0.835 w q 1 0 0 1 337.3217 204.9421 cm 0 0 m 31.181 0 l S Q BT 7.2 0 0 12 364.5429 206.0486 Tm ( )Tj ET 2.5 w q 1 0 0 1 379.8414 208.2746 cm 0 0 m 31.181 0 l S Q 0.835 w q 1 0 0 1 379.8414 204.9421 cm 0 0 m 31.181 0 l S Q BT 7.2 0 0 12 407.0626 206.0486 Tm ( )Tj ET 2.5 w q 1 0 0 1 422.3611 208.2746 cm 0 0 m 31.181 0 l S Q 0.835 w q 1 0 0 1 422.3611 204.9421 cm 0 0 m 31.181 0 l S Q BT /T1_0 1 Tf 7.2 0 0 12 449.5822 206.0486 Tm ( )Tj ET 2.5 w q 1 0 0 1 464.8808 208.2746 cm 0 0 m 31.181 0 l S Q 0.835 w q 1 0 0 1 464.8808 204.9421 cm 0 0 m 31.181 0 l S Q BT 7.2 0 0 12 492.1019 206.0486 Tm ( )Tj ET 2.5 w q 1 0 0 1 507.4005 208.2746 cm 0 0 m 31.181 0 l S Q 0.835 w q 1 0 0 1 507.4005 204.9421 cm 0 0 m 31.181 0 l S Q BT 7.2 0 0 12 534.6216 206.0486 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -50.631 -2.667 Td (Net interest margin )Tj -0.025 Tw 4.1976 0 0 6.996 235.4596 178.8486 Tm (\(7\))Tj 0 Tc 0 Tw 7.2 0 0 12 322.3831 174.0486 Tm (\226)Tj 5.906 0 Td (\226)Tj 0.025 Tc -0.025 Tw 4.581 0 Td (2.10)Tj /T1_0 1 Tf 0 Tc 0 Tw 7.231 0 Td (\226)Tj 5.906 0 Td (\226)Tj 0.025 Tc -0.025 Tw 4.581 0 Td (2.50)Tj ET 2.5 w q 1 0 0 1 294.8019 168.6111 cm 0 0 m 31.181 0 l S Q 0.835 w q 1 0 0 1 294.8019 165.2786 cm 0 0 m 31.181 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 7.2 0 0 12 322.0231 166.3851 Tm ( )Tj ET 2.5 w q 1 0 0 1 337.3216 168.6111 cm 0 0 m 31.181 0 l S Q 0.835 w q 1 0 0 1 337.3216 165.2786 cm 0 0 m 31.181 0 l S Q BT 7.2 0 0 12 364.5428 166.3851 Tm ( )Tj ET 2.5 w q 1 0 0 1 379.8413 168.6111 cm 0 0 m 31.181 0 l S Q 0.835 w q 1 0 0 1 379.8413 165.2786 cm 0 0 m 31.181 0 l S Q BT 7.2 0 0 12 407.0624 166.3851 Tm ( )Tj ET 2.5 w q 1 0 0 1 422.361 168.6111 cm 0 0 m 31.181 0 l S Q 0.835 w q 1 0 0 1 422.361 165.2786 cm 0 0 m 31.181 0 l S Q BT /T1_0 1 Tf 7.2 0 0 12 449.5821 166.3851 Tm ( )Tj ET 2.5 w q 1 0 0 1 464.8807 168.6111 cm 0 0 m 31.181 0 l S Q 0.835 w q 1 0 0 1 464.8807 165.2786 cm 0 0 m 31.181 0 l S Q BT 7.2 0 0 12 492.1018 166.3851 Tm ( )Tj ET 2.5 w q 1 0 0 1 507.4004 168.6111 cm 0 0 m 31.181 0 l S Q 0.835 w q 1 0 0 1 507.4004 165.2786 cm 0 0 m 31.181 0 l S Q BT 7.2 0 0 12 534.6215 166.3851 Tm ( )Tj ET endstream endobj 235 0 obj <>stream BT 0 0 0 1 k /Perceptual ri /GS0 gs /T1_0 1 Tf 0.025 Tc 12 0 0 12 285.0378 18.7502 Tm (\226 9 \226)Tj 13 0 3.4833 13 140.3981 776.3179 Tm [(\(i\) )-886.5 (Net interest income)]TJ 0.026 Tc 0.082 Tw 13 0 0 13 170.0787 744.3179 Tm [(The)1 ( )0.5 (net)1 ( )0.5 (interest)1 ( )0.5 (income)1 ( )0.5 (was)1 ( )0.5 (the)1 ( )0.5 (largest)1 ( )0.5 (component)1 ( )0.5 (of)1 ( )0.5 (the)1 ( )0.6 (Bank\222s)1 ( )]TJ 0.083 Tc 0.07 Tw 0 -1.231 TD [(operating)12.3 ( revenue,)12.3 ( accounting)12.3 ( for)12.3 ( 8)12.3 (3)12.3 (.)12.3 (1)12.3 (%)12.3 ( and)12.3 ( 7)12.3 (4)12.3 (.)12.3 (4)12.3 (%)12.3 ( of)12.3 ( the)58 ( )]TJ 0.055 Tc T* [(operating)12.4 ( income)12.3 ( for)12.4 ( the)12.4 ( six)12.4 ( months)12.4 ( ended)12.3 ( June)12.3 ( 3)12.3 (0)12.4 (,)12.3 ( 2)12.4 (0)12.3 (1)12.4 (8)12.3 ( and)30 ( )]TJ 0.032 Tc 0.076 Tw T* [(2)7 (0)7 (1)7 (9)7 ( )0.5 (respectively.)7 ( )0.5 (The)7.1 ( )0.5 (table)7.1 ( )0.5 (below)7 ( )0.5 (sets)7 ( )0.5 (forth)7 ( )0.5 (the)7 ( )0.5 (Bank\222s)7 ( )0.5 (interest)7 ( )]TJ 0.028 Tc 0.08 Tw T* [(income,)3 ( )0.5 (interest)3 ( )0.5 (expenses)3 ( )0.6 (and)3 ( )0.5 (net)3 ( )0.5 (interest)3 ( )0.5 (income)3 ( )0.5 (for)3 ( )0.5 (the)3 ( )0.5 (periods)3.1 ( )]TJ 0.025 Tc -0.025 Tw T* (indicated.)Tj /T1_1 1 Tf 0 Tw 9.1 0 0 13 170.0787 616.3179 Tm (\(Expressed in millions of )Tj T* (RMB, unless otherwise stated\))Tj 21.43 2.462 Td (Six months ended June 30,)Tj -0.025 Tw -3.57 -2.462 Td (2019)Tj /T1_0 1 Tf 6.853 0 Td (2018)Tj 5.422 1.231 Td (Increase )Tj 0 Tw -1.269 -1.231 Td (or decrease)Tj -0.025 Tw 7.016 1.231 Td (Percentage)Tj 1.655 -1.231 Td (change)Tj 9.1 0 3.4833 13 523.1529 584.3179 Tm (\(%\) )Tj /T1_1 1 Tf 0 Tc 0 Tw 8.4 0 0 12 170.0787 581.1818 Tm ( )Tj 21.097 0 Td ( )Tj 7.424 0 Td ( )Tj 7.424 0 Td ( )Tj 7.424 0 Td ( )Tj /T1_0 1 Tf 0.025 Tc 9.1 0 0 13 170.0787 549.3088 Tm (Interest income)Tj /T1_1 1 Tf -0.025 Tw 16.786 0 Td (7,278.3 )Tj /T1_0 1 Tf 6.853 0 Td (7,546.8)Tj 7.27 0 Td (\(268.5\))Tj 7.903 0 Td (\(3.6\))Tj 0 Tw -38.812 -1.231 Td (Interest expenses)Tj /T1_1 1 Tf -0.025 Tw 16.403 0 Td (\(4,406.1\))Tj /T1_0 1 Tf 6.853 0 Td (\(3,889.2\))Tj 7.653 0 Td (\(516.9\))Tj 7.761 0 Td (13.3 )Tj ET 0 0 0 1 K 0.5 w q 1 0 0 1 300.4724 528.8987 cm 0 0 m 51.024 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 9.1 0 0 13 346.491 530.2997 Tm ( )Tj ET q 1 0 0 1 362.8346 528.8987 cm 0 0 m 51.024 0 l S Q BT /T1_0 1 Tf 9.1 0 0 13 408.8532 530.2997 Tm ( )Tj ET q 1 0 0 1 425.1968 528.8987 cm 0 0 m 51.024 0 l S Q BT 9.1 0 0 13 471.2154 530.2997 Tm ( )Tj ET q 1 0 0 1 487.559 528.8987 cm 0 0 m 51.024 0 l S Q BT 9.1 0 0 13 533.5776 530.2997 Tm ( )Tj 0.025 Tc -39.945 -2.462 Td (Net interest income)Tj /T1_1 1 Tf -0.025 Tw 16.786 0 Td (2,872.2)Tj /T1_0 1 Tf 6.853 0 Td (3,657.6)Tj 7.27 0 Td (\(785.4\))Tj 7.378 0 Td (\(21.5\))Tj ET 2.5 w q 1 0 0 1 300.4723 492.7352 cm 0 0 m 51.024 0 l S Q 0.835 w q 1 0 0 1 300.4723 489.4027 cm 0 0 m 51.024 0 l S Q BT 0 Tc 0 Tw 9.1 0 0 13 346.491 490.6362 Tm ( )Tj ET 2.5 w q 1 0 0 1 362.8345 492.7352 cm 0 0 m 51.024 0 l S Q 0.835 w q 1 0 0 1 362.8345 489.4027 cm 0 0 m 51.024 0 l S Q BT 9.1 0 0 13 408.8531 490.6362 Tm ( )Tj ET 2.5 w q 1 0 0 1 425.1967 492.7352 cm 0 0 m 51.024 0 l S Q 0.835 w q 1 0 0 1 425.1967 489.4027 cm 0 0 m 51.024 0 l S Q BT 9.1 0 0 13 471.2154 490.6362 Tm ( )Tj ET 2.5 w q 1 0 0 1 487.5589 492.7352 cm 0 0 m 51.024 0 l S Q 0.835 w q 1 0 0 1 487.5589 489.4027 cm 0 0 m 51.024 0 l S Q BT 9.1 0 0 13 533.5776 490.6362 Tm ( )Tj 0.025 Tc 0.02 Tw 13 0 0 13 170.0786 460.2871 Tm (The table below sets forth the average balances of interest-earning )Tj 0.034 Tc 0.074 Tw T* [(assets)9.1 ( )0.5 (and)9 ( )0.5 (interest-bearing)9 ( )0.5 (liabilities,)9 ( )0.5 (the)9 ( )0.5 (related)9.1 ( interest)9 ( )0.5 (income)9 ( )]TJ 0.025 Tc 0.026 Tw T* (or expenses and the average yield of related assets or average cost )Tj 0 Tw T* (of related liabilities of the Bank for the periods indicated.)Tj ET endstream endobj 234 0 obj <>stream BT 0 0 0 1 k /Perceptual ri /GS0 gs /T1_0 1 Tf 0.025 Tc 12 0 0 12 285.0378 18.7502 Tm (\226 8 \226)Tj /T1_1 1 Tf 13 0 3.4833 13 112.0517 776.409 Tm [(\(a\) )-664.5 (Analysis of the Consolidated Statements of Profit or Loss)]TJ 10.4 0 0 13 141.7323 728.409 Tm (\(Expressed in millions of RMB, )Tj 0 -1.231 TD (unless otherwise stated\))Tj 17.731 2.462 Td (Six months ended June 30,)Tj -0.025 Tw 0.363 -2.462 Td (2019)Tj /T1_0 1 Tf 5.996 0 Td (2018)Tj 4.565 1.231 Td (Increase )Tj 0 Tw -1.269 -1.231 Td (or decrease)Tj -0.025 Tw 6.159 1.231 Td (Percentage)Tj 1.655 -1.231 Td (change)Tj 10.4 0 3.4833 13 521.1393 696.409 Tm (\(%\))Tj 0 Tw 10.4 0 0 13 141.7324 664.409 Tm (Interest income)Tj /T1_1 1 Tf -0.025 Tw 17.02 0 Td (7,278.3 )Tj /T1_0 1 Tf 5.996 0 Td (7,546.8)Tj 6.413 0 Td (\(268.5\))Tj 7.046 0 Td (\(3.6\))Tj 0 Tw -36.476 -1.231 Td (Interest expense)Tj /T1_1 1 Tf -0.025 Tw 16.637 0 Td (\(4,406.1\))Tj /T1_0 1 Tf 5.996 0 Td (\(3,889.2\))Tj 6.796 0 Td (\(516.9\))Tj 6.904 0 Td (13.3 )Tj 0 Tw -36.334 -1.231 Td (Net interest income)Tj /T1_1 1 Tf -0.025 Tw 17.02 0 Td (2,872.2 )Tj /T1_0 1 Tf 5.996 0 Td (3,657.6)Tj 6.413 0 Td (\(785.4\))Tj 6.521 0 Td (\(21.5\))Tj 0 Tw -35.951 -1.231 Td (Fee and commission income)Tj /T1_1 1 Tf -0.025 Tw 17.82 0 Td (158.7 )Tj /T1_0 1 Tf 5.996 0 Td (193.2)Tj 6.138 0 Td (\(34.5\))Tj 5.996 0 Td (\(17.9\))Tj 0 Tw -35.951 -1.231 Td (Fee and commission expenses)Tj /T1_1 1 Tf -0.025 Tw 17.962 0 Td (\(45.4\))Tj /T1_0 1 Tf 5.996 0 Td (\(65.4\))Tj 6.379 0 Td (20.0 )Tj 5.613 0 Td (\(30.6\))Tj 0 Tw -35.951 -1.231 Td (Net fee and commission income)Tj /T1_1 1 Tf -0.025 Tw 17.82 0 Td (113.3 )Tj /T1_0 1 Tf 5.996 0 Td (127.8)Tj 6.138 0 Td (\(14.5\))Tj 5.996 0 Td (\(11.3\))Tj 0 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(\(733.5\))Tj 6.379 0 Td (627.5 )Tj 6.138 0 Td (\(85.5\))Tj 0 Tw -35.951 -1.231 Td (Profit for the period)Tj /T1_1 1 Tf -0.025 Tw 17.82 0 Td (518.3 )Tj /T1_0 1 Tf 5.196 0 Td (2,210.4)Tj 5.613 0 Td (\(1,692.1\))Tj 7.321 0 Td (\(76.6\))Tj 0 Tw -35.951 -1.231 Td (Profit for the period )Tj 0 Tc 10.4 0 0 13 232.9496 312.409 Tm ( )Tj 0.025 Tc 10.4 0 0 13 152.2202 296.409 Tm (attributable to: )Tj ET 0 0 0 1 K 0.5 w 4 M 302.139 259.62 54.776 34.933 re S 364.502 259.62 54.776 34.933 re S 426.864 259.62 54.776 34.933 re S 489.226 259.62 54.776 34.933 re S BT 10.4 0 0 13 152.2202 280.409 Tm (\226 Owners of the Bank)Tj /T1_1 1 Tf -0.025 Tw 16.811 0 Td (513.7 )Tj /T1_0 1 Tf 5.196 0 Td (2,211.4)Tj 5.613 0 Td (\(1,697.7\))Tj 7.321 0 Td (\(76.8\))Tj 0 Tw -34.942 -1.231 Td (\226 Non-controlling interests)Tj /T1_1 1 Tf -0.025 Tw 17.861 0 Td (4.6 )Tj /T1_0 1 Tf 5.613 0 Td (\(1.0\))Tj 6.379 0 Td (5.6 )Tj 4.563 0 Td (\(560.0\))Tj /T1_1 1 Tf -17.606 -1.462 Td (518.3 )Tj /T1_0 1 Tf 5.196 0 Td (2,210.4)Tj 5.613 0 Td (\(1,692.1\))Tj 7.321 0 Td (\(76.6\))Tj ET 2.5 w 10 M q 1 0 0 1 300.4721 239.8353 cm 0 0 m 51.024 0 l S Q 0.835 w q 1 0 0 1 300.4721 236.5028 cm 0 0 m 51.024 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 10.4 0 0 13 345.7758 237.7363 Tm ( )Tj ET 2.5 w q 1 0 0 1 362.8343 239.8353 cm 0 0 m 51.024 0 l S Q 0.835 w q 1 0 0 1 362.8343 236.5028 cm 0 0 m 51.024 0 l S Q BT /T1_0 1 Tf 10.4 0 0 13 408.138 237.7363 Tm ( )Tj ET 2.5 w q 1 0 0 1 425.1965 239.8353 cm 0 0 m 51.024 0 l S Q 0.835 w q 1 0 0 1 425.1965 236.5028 cm 0 0 m 51.024 0 l S Q BT 10.4 0 0 13 470.5002 237.7363 Tm ( )Tj ET 2.5 w q 1 0 0 1 487.5587 239.8353 cm 0 0 m 51.024 0 l S Q 0.835 w q 1 0 0 1 487.5587 236.5028 cm 0 0 m 51.024 0 l S Q BT 10.4 0 0 13 532.8624 237.7363 Tm ( )Tj 0.025 Tc 0.074 Tw 13 0 0 13 141.732 207.3873 Tm (For the first half of 2019, the Bank\222s profit before tax was RMB624.3\ )Tj 0.034 Tc T* [(million,)9 ( )0.5 (representing)9 ( )0.5 (a)9 ( )0.5 (year-on-year)9 ( )0.5 (decrease)9 ( )0.5 (of)9 ( )0.5 (7)9 (8)9 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(i)0.5 (l)0.5 (l)0.5 (o)0.5 (ve)0.6 (r)13 ( )0.5 (e)0.5 (f)0.5 (f)0.5 (e)0.5 (c)0.5 (t)0.5 (s)13 ( )0.5 (o)0.5 (f)13 ( )0.5 (t)0.5 (he)13.1 ( )0.5 (po)0.5 (l)0.5 (i)0.5 (c)0.5 (i)0.5 (e)0.5 (s)13 ( )0.5 (a)0.5 (d)0.5 (o)0.5 (p)0.5 (t)0.5 (e)0.5 (d)13 ( )0.5 (b)0.5 (y)13 ( )0.5 (d)0.5 (e)0.5 (v)0.5 (e)0.5 (l)0.5 (o)0.5 (p)0.5 (e)0.5 (d)13 ( )0.5 (e)0.5 (c)0.5 (o)0.5 (n)0.5 (o)0.5 (mi)0.5 (e)0.6 (s)0.5 (.)13 ( I)0.6 (n)12.9 ( )0.5 (t)0.5 (h)0.5 (e)24 ( )]TJ 0.041 Tc 0 -1.231 TD [(first)12.6 ( half)12.7 ( of)12.7 ( 2)12.6 (0)12.7 (1)12.7 (9)12.6 (,)12.7 ( China\222s)12.6 ( economic)12.6 ( operation)12.6 ( remained)12.7 ( generally)12.6 ( stable,)16 ( )]TJ 0.025 Tc T* (but showed weakening signs. Under the impacts of the prolonged trade war\ )Tj 0.007 Tw T* (between China and the United States and the continuity of China\222s eco\ nomic )Tj 0 Tw T* (downward cycle, the deviation of finance from economy has become normal,\ )Tj 0.052 Tc 0.07 Tw T* [(w)0.5 (ith)13 ( r)0.5 (is)0.5 (ks)13 ( o)0.5 (f)12.9 ( )0.5 (a)12.9 ( )0.5 (re)0.5 (al)13 ( e)0.5 (co)0.5 (no)0.5 (my)13 ( c)0.5 (ont)0.5 (in)0.5 (uo)0.5 (us)0.5 (ly)12.9 ( )0.5 (em)0.5 (e)0.5 (rgi)0.5 (ng)0.5 (.)12.9 ( )0.5 (In)13 ( t)0.5 (he)12.9 ( )0.5 (f)0.5 (irs)0.5 (t)12.9 ( )0.5 (ha)0.5 (lf)13 ( o)0.5 (f)27 ( )]TJ 0.045 Tc T* [(the)12.8 ( year,)12.8 ( China\222s)12.7 ( GDP)12.8 ( amounted)12.8 ( to)12.8 ( RMB)12.7 (4)12.8 (5)12.7 (,)12.8 (0)12.8 (9)12.7 (3)12.8 (.)12.7 (3)12.8 ( billion,)12.8 ( representing)12.8 ( a)20 ( )]TJ 0.025 Tc 0.032 Tw T* (year-on-year increase of 6.3%. By industries, the primary industry incre\ ased )Tj 0.073 Tc 0.07 Tw T* [(by)12.7 ( RMB)12.7 (2)12.6 (,)12.7 (3)12.7 (2)12.7 (0)12.7 (.)12.7 (7)12.7 ( billion)12.7 ( or)12.7 ( 3)12.8 (.)12.6 (0)12.7 (%)12.7 ( year)12.7 ( on)12.7 ( year;)12.6 ( the)12.7 ( secondary)12.7 ( industry)48 ( )]TJ 0.045 Tc T* [(increased)12.4 ( by)12.3 ( RMB)12.3 (1)12.3 (7)12.4 (,)12.3 (9)12.3 (9)12.4 (8)12.3 (.)12.3 (4)12.4 ( billion)12.3 ( or)12.3 ( 5)12.4 (.)12.3 (8)12.4 (%)12.3 ( year)12.4 ( on)12.3 ( year;)12.3 ( and)12.4 ( the)12.4 ( tertiary)20 ( )]TJ 0.064 Tc T* [(industry)12.6 ( increased)12.6 ( by)12.6 ( RMB)12.6 (2)12.6 (4)12.6 (,)12.6 (7)12.6 (7)12.5 (4)12.6 (.)12.6 (3)12.6 ( billion)12.6 ( or)12.6 ( 7)12.6 (.)12.6 (0)12.6 (%)12.6 ( year)12.6 ( on)12.6 ( year.)12.6 ( The)39 ( )]TJ 0.038 Tc T* [(n)0.5 (a)0.5 (t)0.5 (i)0.6 (o)0.5 (n)0.5 (w)0.5 (i)0.5 (d)0.5 (e)13 ( )0.5 (p)0.5 (e)0.6 (r)13 ( )0.5 (c)0.5 (a)0.5 (p)0.5 (i)0.6 (t)0.5 (a)13 ( )0.5 (d)0.5 (i)0.5 (s)0.5 (p)0.5 (o)0.5 (s)0.6 (a)0.5 (b)0.5 (l)0.5 (e)13 ( )0.5 (i)0.5 (n)0.5 (c)0.6 (o)0.5 (m)0.5 (e)13 ( )0.5 (o)0.5 (f)13 ( )0.5 (r)0.5 (e)0.6 (s)0.5 (i)0.5 (d)0.5 (e)0.5 (n)0.5 (t)0.6 (s)13 ( )0.5 (w)0.5 (a)0.5 (s)13 ( )0.5 (R)0.5 (M)0.6 (B)13 (1)13 (5)12.9 (,)13 (2)13 (9)13 (4)13 (,)13 ( )0.5 (u)0.5 (p)13 ( )]TJ 0.025 Tc 0.066 Tw T* (by 6.5% year on year in real terms; the total retail sales of consumer g\ oods )Tj 0.051 Tc 0.07 Tw 0 -1.231 TD [(reac)0.5 (hed)12.9 ( RMB)12.9 (1)12.9 (9)12.9 (,)13 (5)12.9 (2)12.9 (1)12.9 ( billion,)12.9 ( up)12.9 ( by)12.9 ( 6)12.9 (.)13 (7)12.9 (%)12.9 ( year)12.9 ( o)0.5 (n)12.8 ( )0.5 (year)12.9 ( in)12.9 ( re)0.5 (al)12.9 ( terms)0.5 (;)12.9 ( and)26 ( )]TJ 0.035 Tc 0.073 Tw 0 -1.231 TD [(investment)10 ( )0.5 (in)10 ( )0.5 (fixed)10 ( )0.5 (assets)10 ( )0.5 (across)10 ( )0.5 (the)10 ( )0.5 (country)10 ( )0.5 (\(excluding)10 ( )0.5 (rural)10 ( )0.5 (households\))10 ( )]TJ 0.025 Tc 0 Tw T* (amounted to RMB29,910 billion, up by 5.8% year on year.)Tj 0.05 Tc 0.07 Tw 0 -2.462 TD [(In)12.3 ( the)12.2 ( first)12.2 ( half)12.3 ( of)12.3 ( 2)12.2 (0)12.3 (1)12.2 (9)12.2 (,)12.3 ( Gansu\222s)12.2 ( government)12.2 ( adhered)12.2 ( to)12.2 ( the)12.2 ( underlying)25.1 ( )]TJ 0.058 Tc 0 -1.231 TD [(principle)12.1 ( of)12.1 ( seeking)12.1 ( progress)12.2 ( while)12.2 ( maintaining)12.1 ( stability)12.1 ( and)12.2 ( remained)33 ( )]TJ 0.078 Tc T* [(committed)12.8 ( to)12.8 ( the)12.8 ( new)12.8 ( development)12.8 ( philosophy,)12.9 ( steadfastly)12.8 ( pursuing)53 ( )]TJ 0.057 Tc T* [(high-quality)12.7 ( development)12.7 ( and)12.7 ( making)12.7 ( all-out)12.7 ( efforts)12.7 ( to)12.7 ( maintain)12.8 ( stable)32 ( )]TJ 0.07 Tc T* [(g)0.5 (r)0.5 (o)0.5 (w)0.5 (t)0.5 (h)0.5 (,)13.1 ( )0.5 (a)0.5 (d)0.5 (v)0.5 (a)0.5 (n)0.5 (c)0.5 (e)13.1 ( )0.5 (r)0.5 (e)0.5 (f)0.5 (o)0.5 (r)0.5 (m)0.5 (,)13 ( )0.5 (m)0.5 (a)0.6 (k)0.5 (e)13 ( )0.5 (s)0.5 (t)0.5 (r)0.5 (u)0.5 (c)0.5 (t)0.6 (ur)0.6 (a)0.5 (l)13 ( )0.5 (a)0.5 (d)0.5 (j)0.5 (u)0.5 (s)0.5 (t)0.5 (m)0.5 (e)0.6 (n)0.5 (t)0.5 (s)0.5 (,)13 ( )0.5 (i)0.5 (m)0.5 (p)0.5 (r)0.5 (o)0.5 (v)0.5 (e)13 ( )0.6 (l)0.5 (i)0.5 (v)0.5 (i)0.5 (n)0.5 (g)45 ( )]TJ 0.061 Tc T* [(standards,)12.3 ( guard)12.3 ( against)12.3 ( risks,)12.3 ( and)12.3 ( ensure)12.4 ( stability.)12.2 ( In)12.2 ( the)12.3 ( first)12.4 ( half)12.4 ( of)36 ( )]TJ 0.055 Tc T* [(th)0.5 (e)12.9 ( y)0.5 (ear)0.5 (,)12.9 ( )0.5 (Gan)0.5 (su\222)0.5 (s)12.9 ( G)0.5 (DP)13 ( am)0.5 (oun)0.5 (ted)13 ( to)12.9 ( )0.5 (RM)0.5 (B)12.9 (3)12.9 (7)13 (7)12.9 (.)12.9 (1)12.9 (8)13 ( bi)0.5 (llio)0.5 (n,)12.9 ( )0.5 (rep)0.5 (re)0.5 (sen)0.5 (tin)0.5 (g)12.9 ( a)30 ( )]TJ 0.025 Tc 0.032 Tw T* (year-on-year increase of 6.0%. By industries, the primary industry incre\ ased )Tj 0.007 Tw T* (by RMB24.38 billion or 5.6% year on year; the secondary industry increas\ ed )Tj 0.065 Tc 0.07 Tw T* [(by)12.1 ( RMB)12.1 (1)12 (2)12.1 (5)12.1 (.)12 (1)12.1 (3)12 ( billion)12 ( or)12 ( 5)12 (.)12.1 (2)12.1 (%)12 ( year)12.1 ( on)12.1 ( year;)12.1 ( and)12 ( the)12.1 ( tertiary)12.1 ( industry)40 ( )]TJ 0.025 Tc 0.018 Tw T* (increased by RMB227.67 billion or 6.5% year on year. As at the end of Ju\ ne )Tj 0.062 Tw 0 -1.231 TD (2019, the balances of RMB-denominated and foreign currency-denominated )Tj 0.045 Tc 0.07 Tw 0 -1.231 TD [(deposits)12.4 ( and)12.3 ( RMB-denominated)12.4 ( and)12.4 ( foreign)12.4 ( currency-denominated)12.4 ( loans)20 ( )]TJ 0.029 Tc 0.079 Tw T* [(of)4 ( )0.5 (financial)4 ( )0.5 (institutions)4 ( )0.5 (across)4 ( )0.5 (the)4 ( )0.5 (province)4 ( )0.5 (were)4 ( )0.5 (RMB)4.1 (1)3.9 (,)4 (9)4.1 (9)4 (6)4 (.)4 (3)4 (6)4 ( )0.5 (billion)4 ( )0.5 (and)4 ( )]TJ 0.031 Tc 0.077 Tw T* [(RM)0.5 (B)6 (2)6 (,)6 (0)6 (3)6 (8)6 (.)6 (4)6 (0)6 ( )0.5 (b)0.5 (ill)0.5 (ion)0.5 (,)6 ( )0.5 (res)0.5 (pe)0.5 (ct)0.5 (ivel)0.5 (y,)6 ( )0.5 (r)0.5 (epr)0.5 (es)0.5 (ent)0.5 (ing)6 ( )0.5 (a)6.1 ( )0.5 (yea)0.5 (r-)0.5 (on-)0.5 (yea)0.5 (r)6 ( )0.5 (in)0.5 (cr)0.5 (ea)0.5 (se)6 ( )0.5 (of)6.1 ( )]TJ 0.025 Tc 0 Tw T* (7.6% and 8.0%, respectively.)Tj ET endstream endobj 246 0 obj <>stream BT 0 0 0 1 k /Perceptual ri /GS0 gs /T1_0 1 Tf 0.025 Tc 12 0 0 12 285.0378 18.7502 Tm (\226 4 \226)Tj -0.025 Tw 11 0 2.9474 11 83.9105 777.6839 Tm (Notes:)Tj 6.413 0 0 6.413 85.0394 754.0839 Tm (\(1\))Tj 0.055 Tw 11 0 0 11 92.9978 749.6839 Tm [( )-1523.5 (Calculated by dividing the net profit for a period by the average balanc\ e of total assets at )]TJ 0 Tw 1.853 -1.273 Td (the beginning and the end of that period.)Tj -0.025 Tw 6.413 0 0 6.413 85.0394 712.0839 Tm (\(2\))Tj 0.045 Tw 11 0 0 11 92.9978 707.6839 Tm [( )-1533.5 (Calculated by dividing the net profit for a period by the average balanc\ e of total equity at )]TJ 0 Tw 1.853 -1.273 Td (the beginning and the end of that period.)Tj -0.025 Tw 6.413 0 0 6.413 85.0394 670.0839 Tm (\(3\))Tj 0 Tw 11 0 0 11 92.9978 665.6839 Tm [( )-1578.5 (Represents the difference between the average yield on total interest-ea\ rning assets and the )]TJ 1.853 -1.273 Td (average cost on total interest-bearing liabilities.)Tj -0.025 Tw 6.413 0 0 6.413 85.0394 628.0839 Tm (\(4\))Tj 0 Tw 11 0 0 11 92.9978 623.6839 Tm [( )-1578.5 (Calculated by dividing net interest income by average interest-earning a\ ssets.)]TJ -0.025 Tw 6.413 0 0 6.413 85.0394 600.0839 Tm (\(5\))Tj 0 Tw 11 0 0 11 92.9978 595.6839 Tm [( )-1578.5 (Calculated by dividing net fee and commission income by operating income\ .)]TJ -0.025 Tw 6.413 0 0 6.413 85.0394 572.0839 Tm (\(6\))Tj 0.036 Tc 0.072 Tw 11 0 0 11 92.9978 567.6839 Tm [( )-1495.5 (Calculated)11 ( )0.5 (by)11 ( )0.5 (dividing)10.9 ( )0.6 (total)10.9 ( )0.6 (operating)11 ( )0.5 (expenses)11 ( )0.5 (\(net)11 ( )0.6 (of)11 ( )0.5 (business)10.9 ( )0.6 (tax)11 ( )0.5 (and)11 ( )0.5 (surcharges\))11 ( )0.5 (by)11 ( )]TJ 0.025 Tc 0 Tw 1.853 -1.273 Td (operating income.)Tj -0.025 Tw 6.413 0 0 6.413 85.0394 530.0839 Tm (\(7\))Tj 0.056 Tc 0.069 Tw 11 0 0 11 92.9978 525.6839 Tm [( )-1478.5 (C)0.5 (o)0.5 (r)0.6 (e)13 ( t)0.5 (i)0.5 (e)0.5 (r)0.5 (-)0.5 (o)0.5 (n)0.5 (e)13 ( c)0.5 (a)0.5 (p)0.5 (i)0.5 (t)0.5 (a)0.5 (l)13 ( a)0.5 (d)0.5 (e)0.5 (q)0.5 (u)0.5 (a)0.5 (c)0.5 (y)13 ( r)0.5 (a)0.5 (t)0.6 (i)0.5 (o)13 ( )-0.6 (=)13 ( \()0.6 (c)0.5 (o)0.5 (r)0.5 (e)13 ( t)0.5 (i)0.5 (e)0.5 (r)0.5 (-)0.5 (o)0.5 (n)0.5 (e)13 ( c)0.5 (a)0.5 (p)0.5 (i)0.5 (t)0.5 (a)0.5 (l)13 ( \226)13 ( c)0.5 (o)0.5 (r)0.5 (r)0.5 (e)0.6 (s)0.5 (p)0.5 (on)0.5 (d)0.5 (i)0.5 (n)0.5 (g)13 ( c)0.5 (a)0.6 (p)0.5 (i)0.5 (t)0.5 (a)0.5 (l)31 ( )]TJ 0.025 Tc 0 Tw 1.853 -1.273 Td (deductions\)/risk-weighted assets.)Tj -0.025 Tw 6.413 0 0 6.413 85.0394 488.0839 Tm (\(8\))Tj 0.039 Tc 0.07 Tw 11 0 0 11 92.9978 483.6839 Tm [( )-1494.5 (T)0.5 (ier-one)13 ( capita)0.5 (l)12.9 ( adequ)0.5 (acy)12.9 ( ra)0.5 (tio)12.9 ( =)12.9 ( \(t)0.5 (ier-one)12.9 ( )0.5 (capita)0.5 (l)12.9 ( \226)12.9 ( corre)0.5 (sponding)12.9 ( )0.5 (capital)12.9 ( )0.5 (deducti)0.5 (ons\)/)]TJ 0.025 Tc 0 Tw 1.853 -1.273 Td (risk-weighted assets.)Tj -0.025 Tw 6.413 0 0 6.413 85.0394 446.0839 Tm (\(9\))Tj 0.034 Tc 0.074 Tw 11 0 0 11 92.9978 441.6839 Tm [( )-1495.5 (Capital)9 ( )0.5 (adequacy)9 ( )0.5 (ratio)9 ( )0.5 (=)9 ( )0.5 (\(total)9 ( )0.5 (capital)9 ( )0.5 (\226corresponding)9 ( )0.5 (capital)9 ( )0.5 (deductions\)/risk-weighted)9 ( )]TJ 0.025 Tc -0.025 Tw 1.853 -1.273 Td (assets.)Tj 6.413 0 0 6.413 85.0394 404.0839 Tm (\(10\))Tj 0.07 Tw 11 0 0 11 96.3646 399.6839 Tm [( )-1202.4 (Provision coverage ratio = provision for impairment losses on loans/tota\ l non-performing )]TJ 0 Tw 1.547 -1.273 Td (loans and advances.)Tj -0.025 Tw 6.413 0 0 6.413 85.0394 362.0839 Tm (\(11\))Tj 0.04 Tc 0.07 Tw 11 0 0 11 96.3646 357.6839 Tm [( )-1187.4 (Provision)12.5 ( to)12.5 ( total)12.4 ( loan)12.5 ( ratio)12.4 ( =)12.5 ( provision)12.4 ( for)12.4 ( impairment)12.4 ( losses)12.5 ( on)12.5 ( loans/total)12.5 ( loans)12.4 ( and)15 ( )]TJ 0.025 Tc 0 Tw 1.547 -1.273 Td (advances to customers.)Tj -0.025 Tw 6.413 0 0 6.413 85.0394 320.0839 Tm (\(12\))Tj 0.008 Tw 11 0 0 11 96.3646 315.6839 Tm [( )-1264.4 (In accordance with the relevant regulatory requirements, as a non-system\ atically important )]TJ 0.025 Tw 1.547 -1.273 Td (bank in China, the Bank is required to maintain a minimum provision to t\ otal loan ratio of )Tj 0 Tw 0 -1.273 TD (2.5% by December 31, 2018.)Tj -0.025 Tw 6.413 0 0 6.413 85.0394 264.0839 Tm (\(13\))Tj 0.026 Tc 0.082 Tw 11 0 0 11 96.3646 259.6839 Tm [( )-1189.4 (Calculated)1 ( )0.5 (by)1 ( )0.5 (dividing)1 ( )0.5 (total)1 ( )0.5 (loans)1 ( )0.5 (and)1 ( )0.5 (advances)1 ( )0.5 (to)1 ( )0.5 (customers)1 ( )0.5 (by)1 ( )0.5 (total)1 ( )0.5 (customer)1 ( )0.5 (deposits.)1 ( )]TJ 0.025 Tc 0.064 Tw 1.547 -1.273 Td (The loan to deposit ratio is no longer a regulatory ratio for PRC commer\ cial banks under )Tj 0 Tw T* (the amended PRC Commercial Banking Law, which became effective on Octobe\ r 1, 2015.)Tj -0.025 Tw 6.413 0 0 6.413 85.0394 208.0839 Tm (\(14\))Tj 0.057 Tw 11 0 0 11 96.3646 203.6839 Tm [( )-1215.4 (The )0.5 (ratio )0.5 (for the six months ended )0.5 (June 30, 2018 and 2019, respectively, )0.5 (is )0.5 (calculated on )]TJ 0 Tw 1.547 -1.273 Td (an annual basis.)Tj ET endstream endobj 245 0 obj <>stream BT 0 0 0 1 k /Perceptual ri /GS0 gs /T1_0 1 Tf 0.025 Tc 12 0 0 12 285.0378 18.7502 Tm (\226 3 \226)Tj /T1_1 1 Tf 10.4 0 0 13 85.0394 755.8479 Tm (\(Expressed in millions of RMB, )Tj 0 -1.192 TD (unless otherwise stated\))Tj 25.257 1.192 Td (As at June )Tj 1.05 -1.192 Td (30, 2019)Tj /T1_0 1 Tf 8.306 2.385 Td (As at )Tj -0.025 Tw -2.101 -1.192 Td (December)Tj 0 Tw 0.609 -1.192 Td (31, 2018)Tj -0.025 Tw 5.877 1.192 Td (Percentage)Tj 1.655 -1.192 Td (change)Tj 10.4 0 3.4833 13 521.1392 724.8479 Tm (\(%\))Tj /T1_1 1 Tf 0 Tw 10.4 0 0 13 85.0394 693.8479 Tm (Major indicators of assets/liabilities)Tj /T1_0 1 Tf T* (Total assets)Tj /T1_1 1 Tf -0.025 Tw 25.782 0 Td (342,791.3)Tj /T1_0 1 Tf 6.814 0 Td (328,622.4)Tj 9.714 0 Td (4.3 )Tj 0 Tw -42.31 -1.192 Td [(Of which: t )275 (otal loans and advances to customers)]TJ /T1_1 1 Tf -0.025 Tw 25.782 0 Td (170,826.1 )Tj /T1_0 1 Tf 6.814 0 Td (160,885.3)Tj 9.714 0 Td (6.2 )Tj 0 Tw -42.31 -1.192 Td (Total liabilities)Tj /T1_1 1 Tf -0.025 Tw 25.782 0 Td (318,082.6)Tj /T1_0 1 Tf 6.814 0 Td (303,374.8)Tj 9.714 0 Td (4.8 )Tj 0 Tw -42.31 -1.192 Td (Of which: deposits from customers)Tj /T1_1 1 Tf -0.025 Tw 25.782 0 Td (235,622.9 )Tj /T1_0 1 Tf 6.814 0 Td (210,723.3)Tj 9.189 0 Td (11.8 )Tj ET 0 0 0 1 K 0.5 w q 1 0 0 1 337.3228 627.4379 cm 0 0 m 59.528 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 10.4 0 0 13 391.1304 628.8389 Tm ( )Tj ET q 1 0 0 1 408.189 627.4379 cm 0 0 m 59.528 0 l S Q BT /T1_0 1 Tf 10.4 0 0 13 461.9966 628.8389 Tm ( )Tj ET q 1 0 0 1 479.0551 627.4379 cm 0 0 m 59.528 0 l S Q BT 10.4 0 0 13 532.8627 628.8389 Tm ( )Tj 0.025 Tc -43.06 -2.385 Td (Total equity)Tj /T1_1 1 Tf -0.025 Tw 26.307 0 Td (24,708.7)Tj /T1_0 1 Tf 6.814 0 Td (25,247.6)Tj 8.806 0 Td (\(2.1\))Tj ET 2.5 w q 1 0 0 1 337.3228 592.2743 cm 0 0 m 59.528 0 l S Q 0.835 w q 1 0 0 1 337.3228 588.9418 cm 0 0 m 59.528 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 10.4 0 0 13 391.1304 590.1753 Tm ( )Tj ET 2.5 w q 1 0 0 1 408.189 592.2743 cm 0 0 m 59.528 0 l S Q 0.835 w q 1 0 0 1 408.189 588.9418 cm 0 0 m 59.528 0 l S Q BT /T1_0 1 Tf 10.4 0 0 13 461.9966 590.1753 Tm ( )Tj ET 2.5 w q 1 0 0 1 479.0551 592.2743 cm 0 0 m 59.528 0 l S Q 0.835 w q 1 0 0 1 479.0551 588.9418 cm 0 0 m 59.528 0 l S Q BT 10.4 0 0 13 532.8627 590.1753 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -18.514 -2.258 Td (Six months ended June 30,)Tj /T1_0 1 Tf -0.025 Tw 14.453 0 Td (Percentage)Tj 1.655 -1.192 Td (change)Tj /T1_1 1 Tf -12.746 0 Td (2019)Tj /T1_0 1 Tf 6.814 0 Td (2018)Tj 10.4 0 3.4833 13 379.4069 529.8263 Tm (\(%\))Tj 6.814 0 Td (\(%\))Tj 6.814 0 Td (\(%\))Tj 0 Tw 10.4 0 0 13 85.0394 498.8263 Tm (Profitability indicators)Tj T* (Return on assets )Tj -0.025 Tw 6.0632 0 0 7.579 160.2304 488.5263 Tm (\(1\)\(14\))Tj /T1_1 1 Tf 10.4 0 0 13 377.8704 483.3263 Tm (0.31 )Tj /T1_0 1 Tf 6.814 0 Td (1.51)Tj 6.431 0 Td (\(79.5\))Tj 0 Tw -41.402 -1.192 Td (Return on equity )Tj -0.025 Tw 6.0632 0 0 7.579 161.9676 473.0263 Tm (\(2\)\(14\))Tj /T1_1 1 Tf 10.4 0 0 13 377.8704 467.8263 Tm (4.15 )Tj /T1_0 1 Tf 6.289 0 Td (21.87)Tj 6.956 0 Td (\(81.0\))Tj 0 Tw -41.402 -1.192 Td (Net interest spread )Tj -0.025 Tw 6.0632 0 0 7.579 170.8172 457.5263 Tm (\(3\)\(14\))Tj /T1_1 1 Tf -0.102 Tw 10.4 0 0 13 377.8704 452.3263 Tm (2.02 )Tj /T1_0 1 Tf -0.025 Tw 6.814 0 Td (2.27)Tj 6.431 0 Td (\(11.0\) )Tj 0 Tw -41.402 -1.192 Td (Net interest margin )Tj -0.025 Tw 6.0632 0 0 7.579 173.1366 442.0263 Tm (\(4\)\(14\))Tj /T1_1 1 Tf -0.102 Tw 10.4 0 0 13 377.8704 436.8263 Tm (2.10 )Tj /T1_0 1 Tf -0.025 Tw 6.814 0 Td (2.50)Tj 6.431 0 Td (\(16.0\))Tj 0 Tw -41.402 -1.192 Td (Net fee and commission income to )Tj 0 Tc 10.4 0 0 13 240.9336 421.3263 Tm ( )Tj 0.025 Tc 10.4 0 0 13 93.5433 405.8263 Tm (operating income ratio )Tj -0.025 Tw 6.0632 0 0 7.579 196.2838 411.0263 Tm (\(5\))Tj /T1_1 1 Tf 10.4 0 0 13 377.8704 405.8263 Tm (2.90)Tj /T1_0 1 Tf 6.814 0 Td (2.90)Tj 7.339 0 Td (0.0)Tj 0 Tw -42.31 -1.192 Td (Cost-to-income ratio )Tj -0.025 Tw 6.0632 0 0 7.579 179.4704 395.5263 Tm (\(6\))Tj /T1_1 1 Tf 10.4 0 0 13 372.4104 390.3263 Tm (23.40)Tj /T1_0 1 Tf 6.814 0 Td (21.61)Tj 7.864 0 Td (8.3)Tj ET 2.5 w q 1 0 0 1 337.3228 384.7617 cm 0 0 m 59.528 0 l S Q 0.835 w q 1 0 0 1 337.3229 381.4292 cm 0 0 m 59.528 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 10.4 0 0 13 391.1304 382.6627 Tm ( )Tj ET 2.5 w q 1 0 0 1 408.189 384.7617 cm 0 0 m 59.528 0 l S Q 0.835 w q 1 0 0 1 408.189 381.4292 cm 0 0 m 59.528 0 l S Q BT /T1_0 1 Tf 10.4 0 0 13 461.9966 382.6627 Tm ( )Tj ET 2.5 w q 1 0 0 1 479.0551 384.7617 cm 0 0 m 59.528 0 l S Q 0.835 w q 1 0 0 1 479.0552 381.4292 cm 0 0 m 59.528 0 l S Q BT 10.4 0 0 13 532.8627 382.6627 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -22.186 -2.258 Td (As at)Tj -1.437 -1.192 Td (June 30,)Tj -0.025 Tw 1.656 -1.192 Td (2019)Tj /T1_0 1 Tf 0 Tw 6.706 2.385 Td (As at)Tj -3.701 -1.192 Td (December 31,)Tj -0.025 Tw 3.809 -1.192 Td (2018)Tj 4.277 1.192 Td (Percentage)Tj 1.432 -1.192 Td (Change)Tj 0 Tw 7.811 2.385 Td (As at)Tj -1.325 -1.192 Td (June 30,)Tj -0.025 Tw 1.433 -1.192 Td (2018)Tj 10.4 0 3.4833 13 308.5408 306.8137 Tm (\(%\))Tj 6.814 0 Td (\(%\))Tj 6.814 0 Td (\(%\))Tj 6.814 0 Td (\(%\))Tj /T1_1 1 Tf 0 Tc 0 Tw 9.6 0 0 12 85.0394 303.6776 Tm ( )Tj 24.598 0 Td ( )Tj 7.382 0 Td ( )Tj 7.382 0 Td ( )Tj 7.382 0 Td ( )Tj 0.025 Tc 10.4 0 0 13 85.0395 272.8046 Tm (Capital adequacy indicators)Tj /T1_0 1 Tf T* (Core tier-one capital adequacy ratio )Tj -0.025 Tw 6.0632 0 0 7.579 246.2786 262.5046 Tm (\(7\))Tj /T1_1 1 Tf 10.4 0 0 13 301.5443 257.3046 Tm (10.27 )Tj /T1_0 1 Tf 6.814 0 Td (11.01)Tj 7.481 0 Td (\(6.7\))Tj 6.147 0 Td (10.93)Tj 0 Tw -41.26 -1.192 Td (Tier-one capital adequacy ratio )Tj -0.025 Tw 6.0632 0 0 7.579 225.6245 247.0046 Tm (\(8\))Tj /T1_1 1 Tf 10.4 0 0 13 301.5444 241.8046 Tm (10.27 )Tj /T1_0 1 Tf 6.814 0 Td (11.01)Tj 7.481 0 Td (\(6.7\))Tj 6.147 0 Td (10.93)Tj 0 Tw -41.26 -1.192 Td (Capital adequacy ratio )Tj -0.025 Tw 6.0632 0 0 7.579 187.1973 231.5046 Tm (\(9\))Tj /T1_1 1 Tf 10.4 0 0 13 301.5445 226.3046 Tm (12.24 )Tj /T1_0 1 Tf 6.814 0 Td (13.55)Tj 7.481 0 Td (\(9.7\))Tj 6.147 0 Td (13.55)Tj 0 Tw -41.26 -1.192 Td (Shareholders\222 equity to total )Tj 0 Tc 10.4 0 0 13 213.5823 210.8046 Tm ( )Tj 0.025 Tc 10.4 0 0 13 95.5278 195.3046 Tm (assets ratio)Tj /T1_1 1 Tf -0.025 Tw 20.334 0 Td (7.21 )Tj /T1_0 1 Tf 6.814 0 Td (7.68)Tj 6.956 0 Td (\(6.1\))Tj 6.672 0 Td (7.60)Tj ET 0.5 w q 1 0 0 1 266.4569 190.8946 cm 0 0 m 59.528 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 10.4 0 0 13 260.7877 192.2956 Tm ( )Tj ET q 1 0 0 1 337.3231 190.8946 cm 0 0 m 59.528 0 l S Q BT /T1_0 1 Tf 10.4 0 0 13 391.1307 192.2956 Tm ( )Tj ET q 1 0 0 1 408.1892 190.8946 cm 0 0 m 59.528 0 l S Q BT 10.4 0 0 13 402.52 192.2956 Tm ( )Tj ET q 1 0 0 1 479.0554 190.8946 cm 0 0 m 59.528 0 l S Q BT 10.4 0 0 13 532.863 192.2956 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -43.06 -2.385 Td (Assets quality indicators)Tj /T1_0 1 Tf 0 -1.192 TD (Non-performing loan ratio)Tj /T1_1 1 Tf -0.025 Tw 21.343 0 Td (2.97 )Tj /T1_0 1 Tf 6.814 0 Td (2.29)Tj 6.289 0 Td (29.69 )Tj 7.339 0 Td (1.74)Tj 0 Tw -41.785 -1.192 Td (Provision coverage ratio )Tj -0.025 Tw 6.0632 0 0 7.579 195.8087 135.4956 Tm (\(10\))Tj /T1_1 1 Tf 10.4 0 0 13 296.0846 130.2956 Tm (129.60 )Tj /T1_0 1 Tf 6.814 0 Td (169.47)Tj 6.956 0 Td (\(23.53\))Tj 6.672 0 Td (194.13)Tj 0 Tw -40.735 -1.192 Td (Provision to total loan ratio )Tj -0.025 Tw 6.0632 0 0 7.579 209.2667 119.9956 Tm (\(11\)\(12\))Tj /T1_1 1 Tf 10.4 0 0 13 307.0045 114.7956 Tm (3.84 )Tj /T1_0 1 Tf 6.814 0 Td (3.89)Tj 6.431 0 Td (\(2.31\))Tj 7.197 0 Td (3.38)Tj ET q 1 0 0 1 266.4569 110.3855 cm 0 0 m 59.528 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 10.4 0 0 13 260.7877 111.7865 Tm ( )Tj ET q 1 0 0 1 337.3231 110.3855 cm 0 0 m 59.528 0 l S Q BT /T1_0 1 Tf 10.4 0 0 13 391.1307 111.7865 Tm ( )Tj ET q 1 0 0 1 408.1892 110.3855 cm 0 0 m 59.528 0 l S Q BT 10.4 0 0 13 402.52 111.7865 Tm ( )Tj ET q 1 0 0 1 479.0554 110.3855 cm 0 0 m 59.528 0 l S Q BT 10.4 0 0 13 532.863 111.7865 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -43.06 -2.385 Td (Other indicators)Tj /T1_0 1 Tf T* (Loan to deposit ratio )Tj -0.025 Tw 6.0632 0 0 7.579 179.7308 70.4865 Tm (\(13\))Tj /T1_1 1 Tf 10.4 0 0 13 301.5445 65.2865 Tm (72.50)Tj /T1_0 1 Tf 6.814 0 Td (76.35)Tj 6.956 0 Td (\(5.04\))Tj 6.672 0 Td (75.73)Tj ET 2.5 w q 1 0 0 1 266.457 59.722 cm 0 0 m 59.528 0 l S Q 0.835 w q 1 0 0 1 266.457 56.3895 cm 0 0 m 59.528 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 10.4 0 0 13 320.2646 57.623 Tm ( )Tj ET 2.5 w q 1 0 0 1 337.3232 59.722 cm 0 0 m 59.528 0 l S Q 0.835 w q 1 0 0 1 337.3232 56.3895 cm 0 0 m 59.528 0 l S Q BT /T1_0 1 Tf 10.4 0 0 13 391.1307 57.623 Tm ( )Tj ET 2.5 w q 1 0 0 1 408.1893 59.722 cm 0 0 m 59.528 0 l S Q 0.835 w q 1 0 0 1 408.1893 56.3895 cm 0 0 m 59.528 0 l S Q BT 10.4 0 0 13 461.9969 57.623 Tm ( )Tj ET 2.5 w q 1 0 0 1 479.0555 59.722 cm 0 0 m 59.528 0 l S Q 0.835 w q 1 0 0 1 479.0555 56.3895 cm 0 0 m 59.528 0 l S Q BT 10.4 0 0 13 532.863 57.623 Tm ( )Tj ET endstream endobj 244 0 obj <>stream BT 0 0 0 1 k /Perceptual ri /GS0 gs /T1_0 1 Tf 0.025 Tc 12 0 0 12 285.0378 18.7502 Tm (\226 2 \226)Tj /T1_1 1 Tf 13 0 0 13 56.6929 776.409 Tm [(I. )-1216.5 (FINANCIAL HIGHLIGHTS)]TJ 10.4 0 0 13 85.0394 732.9089 Tm (\(Expressed in millions of RMB, )Tj 0 -1.115 TD (unless otherwise stated\))Tj 17.189 1.115 Td (Six months ended June 30,)Tj /T1_0 1 Tf -0.025 Tw 14.453 0 Td (Percentage)Tj 1.655 -1.115 Td (change)Tj 0 Tw 4.965 2.231 Td (Year ended)Tj -1.078 -1.115 Td (December 31,)Tj 3.534 -1.115 Td ( 2018)Tj /T1_1 1 Tf -0.025 Tw -20.167 0 Td (2019)Tj /T1_0 1 Tf 6.814 0 Td (2018)Tj 10.4 0 3.4833 13 444.6285 703.9089 Tm (\(%\))Tj 0 Tw 10.4 0 0 13 85.0394 674.9089 Tm (Results of operations)Tj T* (Interest income)Tj /T1_1 1 Tf -0.025 Tw 19.475 0 Td (7,278.3 )Tj /T1_0 1 Tf 6.814 0 Td (7,546.8)Tj 8.281 0 Td (\(3.6\))Tj 4.822 0 Td (15,327.1)Tj 0 Tw -39.392 -1.115 Td (Interest expense)Tj /T1_1 1 Tf -0.025 Tw 19.092 0 Td (\(4,406.1\))Tj /T1_0 1 Tf 6.814 0 Td (\(3,889.2\))Tj 8.522 0 Td (13.3 )Tj 5.106 0 Td (\(8,199.3\))Tj ET 0 0 0 1 K 0.5 w q 1 0 0 1 260.8122 641.4989 cm 0 0 m 59.528 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 10.4 0 0 13 255.1429 642.8999 Tm ( )Tj ET q 1 0 0 1 331.6783 641.4989 cm 0 0 m 59.528 0 l S Q BT /T1_0 1 Tf 10.4 0 0 13 326.009 642.8999 Tm ( )Tj ET q 1 0 0 1 402.5445 641.4989 cm 0 0 m 59.528 0 l S Q BT 10.4 0 0 13 396.8752 642.8999 Tm ( )Tj ET q 1 0 0 1 473.4106 641.4989 cm 0 0 m 59.528 0 l S Q BT 10.4 0 0 13 467.7413 642.8999 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -36.798 -2.231 Td (Net interest income)Tj -0.025 Tw 19.475 0 Td (2,872.2)Tj /T1_0 1 Tf 6.814 0 Td (3,657.6)Tj 7.756 0 Td (\(21.5\))Tj 5.872 0 Td (7,127.8)Tj ET 2.5 w q 1 0 0 1 260.8122 608.3353 cm 0 0 m 59.528 0 l S Q 0.835 w q 1 0 0 1 260.8122 605.0028 cm 0 0 m 59.528 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 10.4 0 0 13 255.1429 606.2363 Tm ( )Tj ET 2.5 w q 1 0 0 1 331.6783 608.3353 cm 0 0 m 59.528 0 l S Q 0.835 w q 1 0 0 1 331.6783 605.0028 cm 0 0 m 59.528 0 l S Q BT /T1_0 1 Tf 10.4 0 0 13 326.009 606.2363 Tm ( )Tj ET 2.5 w q 1 0 0 1 402.5445 608.3353 cm 0 0 m 59.528 0 l S Q 0.835 w q 1 0 0 1 402.5445 605.0028 cm 0 0 m 59.528 0 l S Q BT 10.4 0 0 13 396.8752 606.2363 Tm ( )Tj ET 2.5 w q 1 0 0 1 473.4106 608.3353 cm 0 0 m 59.528 0 l S Q 0.835 w q 1 0 0 1 473.4106 605.0028 cm 0 0 m 59.528 0 l S Q BT 10.4 0 0 13 467.7413 606.2363 Tm ( )Tj 0.025 Tc -36.798 -2.231 Td (Fee and commission income)Tj /T1_1 1 Tf -0.025 Tw 20.275 0 Td (158.7 )Tj /T1_0 1 Tf 6.814 0 Td (193.2)Tj 6.956 0 Td (\(17.9\))Tj 6.672 0 Td (362.7)Tj 0 Tw -40.717 -1.115 Td (Fee and commission expenses)Tj /T1_1 1 Tf -0.025 Tw 20.417 0 Td (\(45.4\))Tj /T1_0 1 Tf 6.814 0 Td (\(65.4\))Tj 6.814 0 Td (\(30.6\))Tj 6.289 0 Td (\(196.6\))Tj ET 0.5 w q 1 0 0 1 260.8122 558.3263 cm 0 0 m 59.528 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 10.4 0 0 13 255.1429 559.7273 Tm ( )Tj ET q 1 0 0 1 331.6783 558.3263 cm 0 0 m 59.528 0 l S Q BT /T1_0 1 Tf 10.4 0 0 13 326.009 559.7273 Tm ( )Tj ET q 1 0 0 1 402.5445 558.3263 cm 0 0 m 59.528 0 l S Q BT 10.4 0 0 13 396.8752 559.7273 Tm ( )Tj ET q 1 0 0 1 473.4106 558.3263 cm 0 0 m 59.528 0 l S Q BT 10.4 0 0 13 467.7413 559.7273 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -36.798 -2.231 Td (Net fee and commission income)Tj -0.025 Tw 20.275 0 Td (113.3)Tj /T1_0 1 Tf 6.814 0 Td (127.8)Tj 6.956 0 Td (\(11.3\))Tj 6.672 0 Td (166.1)Tj ET 2.5 w q 1 0 0 1 260.8122 525.1627 cm 0 0 m 59.528 0 l S Q 0.835 w q 1 0 0 1 260.8122 521.8302 cm 0 0 m 59.528 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 10.4 0 0 13 255.1429 523.0637 Tm ( )Tj ET 2.5 w q 1 0 0 1 331.6783 525.1627 cm 0 0 m 59.528 0 l S Q 0.835 w q 1 0 0 1 331.6783 521.8302 cm 0 0 m 59.528 0 l S Q BT /T1_0 1 Tf 10.4 0 0 13 326.009 523.0637 Tm ( )Tj ET 2.5 w q 1 0 0 1 402.5445 525.1627 cm 0 0 m 59.528 0 l S Q 0.835 w q 1 0 0 1 402.5445 521.8302 cm 0 0 m 59.528 0 l S Q BT 10.4 0 0 13 396.8752 523.0637 Tm ( )Tj ET 2.5 w q 1 0 0 1 473.4106 525.1627 cm 0 0 m 59.528 0 l S Q 0.835 w q 1 0 0 1 473.4106 521.8302 cm 0 0 m 59.528 0 l S Q BT 10.4 0 0 13 467.7413 523.0637 Tm ( )Tj 0.025 Tc -36.798 -2.231 Td (Net trading gains)Tj /T1_1 1 Tf -0.025 Tw 20.275 0 Td (852.6 )Tj /T1_0 1 Tf 6.814 0 Td (434.7)Tj 7.339 0 Td (96.1 )Tj 5.489 0 Td (1,089.2)Tj 0 Tw -39.917 -1.115 Td (Net gains arising from investment )Tj -0.025 Tw 1.008 -1.115 Td (securities)Tj /T1_1 1 Tf 19.792 0 Td (15.5 )Tj /T1_0 1 Tf 7.339 0 Td (2.5)Tj 5.764 0 Td (520.0 )Tj 7.339 0 Td (42.7)Tj 0 Tw -41.242 -1.115 Td (Net exchange gains)Tj /T1_1 1 Tf -0.025 Tw 21.325 0 Td (8.5 )Tj /T1_0 1 Tf 5.764 0 Td (168.9)Tj 6.956 0 Td (\(95.0\))Tj 6.672 0 Td (388.2)Tj 0 Tw -40.717 -1.115 Td (Other operating \(expense\)/income, net)Tj /T1_1 1 Tf -0.025 Tw 20.942 0 Td (\(4.2\))Tj /T1_0 1 Tf 6.672 0 Td (11.5)Tj 5.906 0 Td (\(136.5\))Tj 7.722 0 Td (58.2)Tj ET 0.5 w q 1 0 0 1 260.8122 431.6537 cm 0 0 m 59.528 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 10.4 0 0 13 255.1429 433.0547 Tm ( )Tj ET q 1 0 0 1 331.6783 431.6537 cm 0 0 m 59.528 0 l S Q BT /T1_0 1 Tf 10.4 0 0 13 326.009 433.0547 Tm ( )Tj ET q 1 0 0 1 402.5445 431.6537 cm 0 0 m 59.528 0 l S Q BT 10.4 0 0 13 396.8752 433.0547 Tm ( )Tj ET q 1 0 0 1 473.4106 431.6537 cm 0 0 m 59.528 0 l S Q BT 10.4 0 0 13 467.7413 433.0547 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -36.798 -2.231 Td (Operating income)Tj -0.025 Tw 19.475 0 Td (3,857.9)Tj /T1_0 1 Tf 6.814 0 Td (4,403.0)Tj 7.756 0 Td (\(12.4\))Tj 5.872 0 Td (8,872.2)Tj 0 Tw -39.917 -1.115 Td (Operating expenses)Tj /T1_1 1 Tf -0.025 Tw 19.892 0 Td (\(941.6\))Tj /T1_0 1 Tf 6.814 0 Td (\(987.3\))Tj 7.864 0 Td (\(4.6\))Tj 4.964 0 Td (\(2,271.0\))Tj 0 Tw -39.534 -1.115 Td (Impairment losses on assets, net of )Tj -0.025 Tw 1.008 -1.115 Td (reversals)Tj /T1_1 1 Tf 18.084 0 Td (\(2,289.7\))Tj /T1_0 1 Tf 7.614 0 Td (\(472.6\))Tj 7.197 0 Td (384.5 )Tj 5.631 0 Td (\(1,962.4\))Tj ET q 1 0 0 1 260.8123 356.1446 cm 0 0 m 59.528 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 10.4 0 0 13 255.143 357.5456 Tm ( )Tj ET q 1 0 0 1 331.6784 356.1446 cm 0 0 m 59.528 0 l S Q BT /T1_0 1 Tf 10.4 0 0 13 326.0091 357.5456 Tm ( )Tj ET q 1 0 0 1 402.5445 356.1446 cm 0 0 m 59.528 0 l S Q BT 10.4 0 0 13 396.8752 357.5456 Tm ( )Tj ET q 1 0 0 1 473.4107 356.1446 cm 0 0 m 59.528 0 l S Q BT 10.4 0 0 13 467.7414 357.5456 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -36.798 -2.231 Td (Operating profit)Tj -0.025 Tw 20.275 0 Td (626.6 )Tj /T1_0 1 Tf 6.014 0 Td (2,943.1)Tj 7.756 0 Td (\(78.7\))Tj 5.872 0 Td (4,638.8)Tj 0 Tw -39.917 -1.115 Td (Share of \(loss\)/profit of an associate)Tj /T1_1 1 Tf -0.025 Tw 20.942 0 Td (\(2.3\))Tj /T1_0 1 Tf 7.197 0 Td (0.8)Tj 5.381 0 Td (\(387.5\))Tj 7.864 0 Td (\(1.0\))Tj ET q 1 0 0 1 260.8122 309.6356 cm 0 0 m 59.528 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 10.4 0 0 13 255.1429 311.0366 Tm ( )Tj ET q 1 0 0 1 331.6784 309.6356 cm 0 0 m 59.528 0 l S Q BT /T1_0 1 Tf 10.4 0 0 13 326.0091 311.0366 Tm ( )Tj ET q 1 0 0 1 402.5445 309.6356 cm 0 0 m 59.528 0 l S Q BT 10.4 0 0 13 396.8752 311.0366 Tm ( )Tj ET q 1 0 0 1 473.4107 309.6356 cm 0 0 m 59.528 0 l S Q BT 10.4 0 0 13 467.7414 311.0366 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -36.798 -2.231 Td (Profit before tax)Tj -0.025 Tw 20.275 0 Td (624.3 )Tj /T1_0 1 Tf 6.014 0 Td (2,943.9)Tj 7.756 0 Td (\(78.8\))Tj 5.872 0 Td (4,637.8)Tj 0 Tw -39.917 -1.115 Td (Income tax expense)Tj /T1_1 1 Tf -0.025 Tw 19.892 0 Td (\(106.0\))Tj /T1_0 1 Tf 6.814 0 Td (\(733.5\))Tj 7.339 0 Td (\(85.5\))Tj 5.489 0 Td (\(1,198.2\))Tj ET q 1 0 0 1 260.8123 263.1265 cm 0 0 m 59.528 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 10.4 0 0 13 255.143 264.5275 Tm ( )Tj ET q 1 0 0 1 331.6784 263.1265 cm 0 0 m 59.528 0 l S Q BT /T1_0 1 Tf 10.4 0 0 13 326.0092 264.5275 Tm ( )Tj ET q 1 0 0 1 402.5446 263.1265 cm 0 0 m 59.528 0 l S Q BT 10.4 0 0 13 396.8753 264.5275 Tm ( )Tj ET q 1 0 0 1 473.4107 263.1265 cm 0 0 m 59.528 0 l S Q BT 10.4 0 0 13 467.7415 264.5275 Tm ( )Tj /T1_1 1 Tf 0.025 Tc -36.798 -2.231 Td (Profit for the period/year)Tj -0.025 Tw 20.275 0 Td (518.3)Tj /T1_0 1 Tf 6.014 0 Td (2,210.4)Tj 7.756 0 Td (\(76.6\))Tj 5.872 0 Td (3,439.6)Tj ET 2.5 w q 1 0 0 1 260.8123 229.963 cm 0 0 m 59.528 0 l S Q 0.835 w q 1 0 0 1 260.8123 226.6305 cm 0 0 m 59.528 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 10.4 0 0 13 255.143 227.864 Tm ( )Tj ET 2.5 w q 1 0 0 1 331.6784 229.963 cm 0 0 m 59.528 0 l S Q 0.835 w q 1 0 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59.528 0 l S Q BT 10.4 0 0 13 396.8753 115.6913 Tm ( )Tj ET 2.5 w q 1 0 0 1 473.4107 117.7904 cm 0 0 m 59.528 0 l S Q 0.835 w q 1 0 0 1 473.4108 114.4579 cm 0 0 m 59.528 0 l S Q BT 10.4 0 0 13 467.7415 115.6913 Tm ( )Tj 0.025 Tc -36.798 -2.231 Td (Basic earnings per share)Tj 10.4 0 3.4833 13 192.6465 86.6914 Tm ( \(RMB\))Tj /T1_1 1 Tf -0.025 Tw 10.4 0 0 13 301.3599 86.6914 Tm (0.05 )Tj /T1_0 1 Tf 6.814 0 Td (0.22)Tj 6.431 0 Td (\(77.3\))Tj 7.197 0 Td (0.35)Tj 0 Tw -41.242 -1.115 Td (Diluted earnings per share )Tj -0.025 Tw 10.4 0 3.4833 13 202.7837 72.1914 Tm (\(RMB\))Tj /T1_1 1 Tf 10.4 0 0 13 301.3599 72.1914 Tm (0.05 )Tj /T1_0 1 Tf 6.814 0 Td (0.22)Tj 6.431 0 Td (\(77.3\))Tj 7.197 0 Td (0.35)Tj ET 2.5 w q 1 0 0 1 260.8123 66.6268 cm 0 0 m 59.528 0 l S Q 0.835 w q 1 0 0 1 260.8123 63.2943 cm 0 0 m 59.528 0 l S Q BT /T1_1 1 Tf 0 Tc 0 Tw 10.4 0 0 13 255.143 64.5278 Tm ( )Tj ET 2.5 w q 1 0 0 1 331.6784 66.6268 cm 0 0 m 59.528 0 l S Q 0.835 w q 1 0 0 1 331.6785 63.2943 cm 0 0 m 59.528 0 l S Q BT /T1_0 1 Tf 10.4 0 0 13 326.0092 64.5278 Tm ( )Tj ET 2.5 w q 1 0 0 1 402.5446 66.6268 cm 0 0 m 59.528 0 l S Q 0.835 w q 1 0 0 1 402.5446 63.2943 cm 0 0 m 59.528 0 l S Q BT 10.4 0 0 13 396.8753 64.5278 Tm ( )Tj ET 2.5 w q 1 0 0 1 473.4107 66.6268 cm 0 0 m 59.528 0 l S Q 0.835 w q 1 0 0 1 473.4108 63.2943 cm 0 0 m 59.528 0 l S Q BT 10.4 0 0 13 467.7415 64.5278 Tm ( )Tj 0.025 Tc -0.025 Tw 11 0 0 11 85.0395 39.1788 Tm (* )Tj 0 Tw 11 0 2.9474 11 100.9606 39.1788 Tm (The interim financial data of the Bank have not been audited.)Tj ET endstream endobj 237 0 obj <>stream BT 0 0 0 1 k /Perceptual ri /GS0 gs /T1_0 1 Tf 0.025 Tc 12 0 0 12 285.0378 18.7502 Tm (\226 1 \226)Tj 0.065 Tc 0.07 Tw 13 0 3.4833 13 55.3588 776.3179 Tm [(Hong)12.1 ( Kong)12.1 ( Exchanges)12 ( and)12.1 ( Clearing)12 ( Limited)12 ( and)12 ( The)12 ( Stock)12.1 ( Exchange)12.1 ( of)12.1 ( Hong)40 ( )]TJ 0.03 Tc 0.078 Tw 0.33 -1.231 Td [(Kong)5 ( )0.5 (Limited)5 ( )0.5 (take)5 ( )0.5 (no)5 ( )0.5 (responsibility)5 ( )0.5 (for)5 ( )0.5 (the)5 ( )0.5 (contents)5 ( )0.5 (of)5 ( )0.6 (this)5 ( )0.5 (announcement,)5 ( )0.5 (make)5 ( )0.5 (no)5 ( )]TJ 0.027 Tc 0.081 Tw 0.33 -1.231 Td [(representation)2 ( )0.5 (as)2 ( )0.5 (to)2 ( )0.5 (its)2 ( )0.5 (accuracy)2 ( )0.5 (or)2 ( )0.5 (completeness)2 ( )0.5 (and)1.9 ( )0.5 (expressly)2 ( )0.5 (disclaim)2 ( any)2 ( )0.5 (liability)2 ( )]TJ 0.025 Tc 0.077 Tw 0.33 -1.231 Td (whatsoever for any loss howsoever arising from or in reliance upon the w\ hole or any )Tj 0 Tw 0.33 -1.231 Td (part of the contents of this announcement.)Tj ET /PlacedGraphic /MC0 BDC EMC q 229.838 658.081 141.1 38.497 re W n 0 0.6 0.8 0.2 k /GS1 gs q 1 0 0 1 251.2033 683.9974 cm 0 0 m 1.451 1.449 2.155 3.329 2.155 5.213 c 0.98 5.994 l -0.157 5.213 l -0.157 3.918 -0.666 2.625 -1.647 1.645 c -3.606 -0.314 -6.822 -0.314 -8.781 1.645 c -10.74 3.604 -10.74 6.777 -8.781 8.776 c -7.84 9.717 -6.625 10.188 -5.41 10.227 c -4.782 11.049 -3.959 11.715 -3.098 12.264 c -5.606 13.008 -8.428 12.383 -10.428 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