浜松信用 金庫 1 ディスクロージャー 表紙オモテ 21 7.8 132 L5 59925 9ABFPD 矢部 はましんは おかげさまで 平成22年4月に 創立6周年を迎えました 33 431 再校刷 創立 6 周年記念ロゴデザインについて はましんのコーポレートカラーを使ったハー トの形で お客様へ感謝の気持ちを表現 中 心にはましんイメージキャラクター はまた っち を配置しています 当金庫が 6 周年を新たな第一歩として捉 え これからも末長く 地域のために歩んで いきたいという気持ちを表現しました キャッシュカード通帳証書等の紛失盗難偽造に関するお問合せは はましんビジネスサービス 夜間休日のキャッシュカード紛失盗難受付センター インターネットバンキングホームバンキングファームバンキングに関するお問合せは はましんEBサポートセンター 商品サービスに関するお問合せ 各種ご相談は はましんお客様サービス課 経営相談ご融資の返済に関する各種ご相談は はましん各営業店窓口または 金融円滑化ご相談窓口 ご意見ご要望は はましんお客様サービス課 金融円滑化に関するご意見ご要望は さらに詳しい情報をお求めの方は はましんホームページ
CONTENTS 6 1 2 81 1 CSR 7 8 9 11 12 13 15 17 19 21 22 23 24 25 27 29 32 1
2
3 195.4 195.5 1951.11 1952.12 1962.3 1963.1 1968.1 1969.1 1974.12 1952.9 1952.12 195.9 1956.1 1958.4 1961.7 1964.1 1969.5 197.9
4 1978.3 1977.1 1978.4 1981.1 1987.6 1989.1 1991.7 1992.4 1997.5 1998.8 1999.12 1979.1 1982.6 1983.4 1985.12 1987.3 1991.5 1994.1 1994.1
5 2.4 21.11 25.6 26.4 27.1 27.7 27.1 27.1 28.11 24.4 25.4 2.4 25.7 27.4 29.9 29.1
2 3 DELIGHT ONE 4 in Hamamatsu 21 6CSR 6 22 6 21.3 21.4
7 3,927 3.85 44 67,84 67,84 6634 14.95 91 14 8 19 26 24 1,31 56 1,373 12,726 14 14 7,662 911 1144 14 CSR CSR
132 219 7,981826 19 22 3 177 C S R 214 214567289 1 1 21 1 1 1 21 6 2 12 16 15 1 16 26 31 for your smile 15 21 2 KINKOPOINT! 8 21 11 16 15 17 2 18 1 1 12 9 2 13 2 2 1 BCP 3 7 18 2215 SHINKIN BANK3829 22 121 3 in Hamamatsu 292 26 4 9 6 2 11 2 1 15 27 16 37 24 12 19 16 2 8
C S R CSR 22 TEL 53453315 FAX 53-453-49 TEL 53453315FAX 5345349 http://www.h-mc.jp/ hmc@hamamatsu-shinkin.jp 192 56 OB 27 21 224 in Hamamatsu 3 in Hamamatsu29 5 194 22 TEL 53457534 http://www.hamashin-capital.jp/ http://www.hamamatsu-shinkin.jp/ M&A 21 11 2 5 5 1 5 21 223 28 9 141 59 1 3 145 M&A 7 M&A 11 9
1 C S R.3% 5.7% 7.5% 12.1%.%.% 6.7% 2.% 1.9%.% 9.9% 4.5% 4.% 1.3% 28.5%.% 3.7% 19.8% 18.8% / / / 21 21H21.4.1H22.3.31 1,129 2,789 53 669 11 33 3,654 13,783 29 158 4 81 243 272 3 8 11 11 14 127 2 69 198 212 3 45 3 48 51 216 TEL 534546139 FAX 534567422 T 23 25 http://www.hamamatsu-shinkin.jp/
C S R CSR 224 221 TEL 534756811 18 11
12 C S R 21 223 19 194223 7 4 85 1 2 2 395 3 953 1,28 1,241 1 2 2 41 1 1 1 11 2 38 155 221 2137 215 217 221 1 215 216 2167 21612 217 217 217 21711 2111 222 2161 21911 219 217 OJT CS 2111
21 22 21 2112 21211 213 DELIGHT ONE 1. in Hamamatsu 29 2 CSR 6 3. 4. BCP 5. 6. OJT 13
21 35812.83 2.83 12,726 152352.2 2.2 7,662 34 33 6689 1,277 14.954 19 2 6, 7, 5, 4, 3, 11, 12, 1, 9, 8, 2, 1, 7,115 11,957 6,211 4,385 1,764 21 7,51 7,662 12,375 12,726 6,936 4,448 6,548 4,473 1,92 1,848 5,14 5, 3, 2, 4, 6, 7, 8, 1, 3,313 6,327 19 2 2,365 1,391 5,93 21 4,887 3,433 6,689 947 912 1,2 19 2 21 2 4 6 8 1, 936 11 11 91 1,9 11 = 662,78 99,14 14.95 14
21 14.95 + 8 1 16. 14. 12. 1. 99,14 2. 95,334 93,922 922 1, 18. 9, 8. 6. 4. 2. 4.% 14.59 14.3 14.95 8, 7, 6, 5, 4, 3, 2, 1, A 45 B A + B C I/O247 D C D E 2H21.3.31 94,3 1,72 1,72 95,372 8,82 7,6 37 8,82 37 95,334 21H22.3.31 97,657 1,511 1,511 99,168 11,74 7,6 68,686 65,295 13,55 13,39 8 44,45 44,13 F 666,237 662,78 T i e r 1 A F 14.15 14.73 E F 14.3 14.95 1. 891142 1821 2. 2279 37213.84 21 1,13 1,13 91,713 326 19 2 21 1,144 1,144 95,13 355 27 11,74 27 99,14 15
A R&I 2 21 A A 1,277 1. 2. 3. 4. 5. 6. 7. 8. 9. 1. 11. 12. 13. 14. 15. 16. 17. 18. 19. 2. 21. 22. 23. 24. 1 21 1 12 12 2 21 21 75 35 1 515 2 1 1 1 1 21 235 19,562 57,555 - - 9,925-313 38,269 34,679 516 262,916 264,634 173,82 18,927 137,29 4,41 291 153,186-1,83 25,6-1,52 1,388,956 1 1 28 15 229 25 12,821 31 157 13,39 R&I - - - - - - - 613 2,561 69 71,664 185,619 116,755 37,952 134,185 1,12 58 9,3-1,89 24,416-751 65,295 4,946 9,418 - - 1.12 94.63 4.24 1. 1,144 96,63 4,329 12,77 16
21 21 5975 7.63 94. 5968 7.7994. 834 1,27714.95 223 1,597 6,549 49,272 271 2,345 36,31 29 1,471 8,184 34 484 5,56 1,81 2,248 8,147 4,297 3,849 49,272 44,215 2,923 1,593 55,755 48 47,967 1,113 5,654 3,746 178,93 85 82,448 2,896 95,644 2,33 59,75 833 34 49,347 6,86 3-2,329 832 34 59,68 49,281 6,82 517 272 244 523,283 523,283 722,848 19,26 19,26 781,749 664,436 18,46 5,575 3,33 782,599 17
3 1. 2. 3. 4. 5. c d 2 21 2 21 2 21 2 21 2 21 2 21 47,184 59,75 7,869 8,147 37,37 49,272 2,8 2,33 72,14 722,848 767,324 782,599 44,62 56,154 7,869 8,147 35,827 47,138 923 867 38,711 49,347 4,413 4,297 33,421 44,215 877 833 5,98 6,86 3,455 3,849 2,46 2,923 46 34 94.6% 94.% 1.% 1.% 96.% 95.7% 46.% 37.2% 69.7% 65.4% 1.% 1.% 61.9% 57.8% 4.1% 2.3% 8,147 722,848 49,272 2,33 a b ba dac ) B+C/A 3 B C 2 21 2 21 2 21 2 21 2 21 2,995 1,593 42,4 55,755 28 1,979 2,329 47,44 59,68 2 33 3 1. 2. 3. 4. 5. 6. 7. 8. A 1.% 1.% 96.5% 96.2% 94.8% 1.% 45.3% 37.2% 94.6% 94.% 1,538 48 36,165 47,967 26 85 832 38,58 49,281 1,457 1,113 4,396 5,654 45 34 5,9 6,82 223 223 18
2271 2271 325 19 H2.3.31 2 H21.3.31 21 H22.3.31 943 995 1,19 98 687 711 67 699 256 284 238 32 368 361 361 3511 138 132 1311 128 19
11 3 3 75 6 226216 6214122331 1 23 14 2 22323 2273 31 6 15 2271 144 6 14 34 42 2 31 9 5 2
2271 57 12-172-182 1 2 3 4 5 21
1 2 3 1557 1. 2. 1 2 4 5 3 3. 4. 5. 1 2 6. 7. 43-946 115-1 6 12-172-182 1 2 3 1 2 4 1 2 3 5 1 2 3 4 5 6 6 1 2 3 4 22
1. 2. 211222 211222 3. http://www.hamamatsu-shinkin.jp/ 211222 22126 1. 2. 3... 23
a b c d e f g 2751 3 39 2271 25 1211 1222 29 28.6.63 21 223 Shinkin Central Bank 2519561 1,1711 144 295,833 4,9999 28.6% 272 21 22331 SCB 272 24
2271 2273 MEGA 114-8 2-55 24-15 114-8 1-13-27 1-7-5 357-6 95-1 523-2 297 539 124 3-1-61 1-6-8 1464-1 31-9 36-2 425 3-79-7 56 1-1-1 314 5345325 534741611 534756811 534546141 534615161 534717231 534539184 534341711 535761621 534618125 534534186 53452417 534718231 53471441 53461224 534547121 534415255 534634181 53455511 534418181 534373221 534649131 11 12 13 14 15 16 17 18 19 2 21 22 23 24 25 26 27 28 29 962-3 16-2 563-1 228-12 2212-1 1368 23-6 6173 873 263 694-1 249-1 1746-1 135-2 582-1 18-1 411-1 71-33 127 12-7 1-26-15 534367131 534863521 534487411 534637511 534854811 53442211 53465811 534493161 534257111 534745811 535861121 534351411 534353161 534653211 534475911 534491151 538664511 53438511 534353211 538323511 534727221 3 31 32 33 34 35 36 37 38 39 4 41 42 43 44 45 46 47 48 49 5 25
51 84-2 534414231 6 2-4-12 53466135 52 896-47 535945652 61 145 534382611 53 191-1 535232652 62 9-13 538358311 54 154-443 534738391 63 171-1 535851841 55 32-7 535883921 56 2-6-28 534585525 64 622 53421811 57 3-1-43 535774173 65 123-1 53833111 58 2-1-3 534382627 66 8111 5342866 59 3-2-8 53465531 ATM 15 8 845 9 14 17 18 19 21 8 845 9 14 17 18 19 21 53 362 66 152 55 63 257 3 15 4 31 57 16 52 1 61 47 42 48 31 58 28 41 2 34 54 5 33 64 21 6 29 1 17 39 13 12 22 49 11 43 26 62 23 19 18 37 56 36 44 32 14 59 65 25 45 27 24 51 35 15 38 46 26
ATMATM 3 3 15 315 315 525 63 84 ATM 15 315 15 315 42 63 2 2 ATM 15 21 315 525 1 15 21 315 525 1 MTFDFBHB 2 ATM 84 ATM 21 84 1,5 84 84 84 84 2271 3 3 3 3 3 3 63 84 63 63 149 55 21 511, 315 1,12, 63 2,13, 945 1,315 149 55 511, 1,1 1 2 3 818 84514 15 84518 914 15 1,575 1,89 2,625 84518 914 15 21 3,15 ATM 1 3,15 web 1,5 1 1,5 web SPC FB 2 1,5 FB 2,1 525 1 web 2 FB31,59,4518,9 27
/ 5,25 1 1,5 1 1,5 1 525 1 1,5 1 525 514 1 525 1 1 1 5,25 525 315 525 5 1 1 1 1 315 21 1 1 1 5,25 1,5 21 1 15 5 1 2 1 21 525 1 21 525 1,5 1 21 1215 1 21 3 5 7 3,15 2,1 1,5 12 4, 7 1 3, 3 5 7 3,15 31,5 3,15 2,1 1,5 21, 3,15 5,25 31,5 21, 31,5 2 2 2 2 2.5 1,5 1,5.5 1,5.1 1, 5,.1 1,.592 11 12 15, 5,.5 1,5 16 16 21, 6,3 1 2 28
2271 3 93 1 1 3 1 1 2 7 11 1 1 111 13 13 11 1, 11 55 13612 6 3 5 5 1235 1 1 1 1 1 1 11 1 11 11 11 5, 22 5, 2271 251 5 351 1 12 2 2 29
3 5 1 3 5 1 2 351 6 1535 2271 1 1 6, 1,5 1, 8, 1, 8, 5 5 5 5 579911 151 1 5 5 5799 151 131 511 1 12-37-84 65 1 2271 2, 5 5 5, 35 5, 5, 3 3
2271 FAX 32 15 ATM ATM P27 M&A TEL:53-475-6811 TEL:53-45-3315 2 93153 4 9312 1 93153 MA 2 93153 3 916 3 93153 http://www.hamamatsu-shinkin.jp/ 31
13215 221 3823 1 1 21 22622 / 44 45 46 47 48 51 56 43 44 42 4 36 34 35 33 41 39 1 2 1. 2. 1 2 62 65 66 73 32
33 2 H21.3.31 18,252 2,53 1,361 254 1,85 34,18 21,937 47,862 21 H22.3.31 19,562 185,123 2,565 244 2,794 392,711 33,121 72,321 2 H21.3.31 21 H22.3.31 1,229,44 1,266,354 42,88 447,347 7,246 89 654,815 63,726 13,37 43,51 444,812 6,579 1,768 693,611 63,342 12,729 8,148 6,279 199,294 11,19 59,94 751,43 14,1 36,76 6,278 99,958 162 14 18 38 231,948 1,895 44,424 766,279 1,396 31,952 62,723 13,27 389 21 125 53 8,64 6,632 389 386 2,29 1,999 138 182 1,822 1,36 494 456 2 31 233 1 253 1,189 93 2,34 1,61 927 1,178 1,629 1,561 253 262 5,338 8,192 893 1,339 291 1,874 2,67 112 452 291 4,759 2,687 92 36 862 1,37 32 14,545 14,71 1,264,443 1,298,311 1,13 1,144 14,887 2,93 13,785 2,718 1,13 1,144 93,237 96,63 8,674 1,189 5 2,88 4 4 8,687 93 1,449 39 39 ) 1,116 92,12 9,495 482 1,625 94,367 3,72 1,13 95,473 91,713 5 3,76 97,748 4,329 5,452 14,545 6,955 5,883 2,31 14,71 8,34 6,793 3,72 91,294 4,329 12,77 1,355,737 1,4,388 1,355,737 1,4,388
2 21 2 29,374,189 23,759,36 17,63,926 1,562,53 87,944 4,95,541 94,391 2,827,22 1,432,32 1,394,899 1,887,811 55,693 1,791,768 1,35 38,999 899,868 842,91 25,464 32,312 27,17,634 23,5,57 16,292,124 1,439,773 5,674 5,259,7 8,863 2,653,4 1,299,385 1,353,618 814,93 4,752 619,957 33,894 12,326 697,192 61,672 34,448 61,7 498 498 41,37 41,37 2,325,249 1,851,31 917,722 933,38 1,391,94 348 348 213,797 52,911 149,932 1,953 4,674,38 1,362,586 121,959 1,24,626 3,433,411 21 34 27,8,4 22,283,146 234,46 326,864 3,74,615 2,872,537 14,693 55,113 891 5,378 1,433,471 486,78 2,245,643 2,48,764 158,55 35,363 1,255 1,753 1,373,47 45,671 1,625,987 3,76,276 946,69 3,77,585 388,5 922,736 488,451 15,375 23,594 2,423,741 61,423 326 15,893,663 8,648,327 7,14,88 23,455 3,529,64 1,26,348 22 128,438 1,473,12 369,216 288 531,54 384,669 87,644 762 15,455,976 9,66,245 6,152,618 237,113 2,719,666 1,891,248 145,766 12,47 1,681 266 569,654 2,365,788 4,887,488
35 2 1,625,987 1,299,123 21 3,76,276 3,45,27 13,87 14,385 6% 67,252 1,218, 18, 66 28% 9,885 3,3, 326,864 355,5 2
36 1. 2. 3. 4. 5. 6. 7. 8. 9. 1. 11. 12. 13. 14. 15. 16. 17. 18. 19. 2. 21. 22. 23. 24. 25. 26. 27. 28. 29. 3. 31. 21 1 231 19 231 1 41 75 35 1.6 4 1 1 21331 1,253,45 1,662,844 49,394 21331 1.1123 253,815155,578 19 2 3 19 2731 2 41 5 863 1,5 2,492 14,297 1,59355,755 ( )4 9796134 3 3 3 2,329 3 3 59,68 23.26. 24 1,522 2, 1,6891 184 23 455 18,91834 1 ALM
3732. 33. 2 ALM 3 () ALM ALM ALMALM ALM () () ALM ALM () ALM ALM 4 22331 1 2 *1 *2 1 1 TIBOR 2 TIBOR 33. 37. 3 1 TIBOR 1 2 TIBOR 2 *1 *2 3 *3 3 *3 4 *1 37. 1 2*1 3*1 *2 1 2 1 1 5 5 1 1 185,123 34,817 355,763 766,279 9,59 756,688 1,332,393 1,266,354 6,279 1,272,634 185,624 35,756 355,763 77,11 1,347,246 1,267,391 6,28 1,273,671 5 939 13,412 14,853 1,36 1,36 *1 *1*2 *3 * * 112,873 44,527 4,378 4,149 225,24 382,642 72,25 154,252 16,74 137,547 212,241 438,743 162,9 14,262 147,828 154,948 317,39 16, 16, 17,454 186,454 243 541 1,344 2,13 1 1 5 5 1 1 1,116,33 6,279 1,122,313 149,144 149,144 1,176 1,176
38 17,228 4,945 6,53 28,677 242 899 4,996 6,139 34,817 17,75 5,13 6,979 29,743 242 898 4,872 6,13 35,756 521 68 475 1,65 1 123 126 939 34. 35. 36. 37. 38. 39. 4. 41. 42. 1. 2. 3. 1212 35 5 5 18,27 188,55 24,465 958,38 1 3219 1,56 454 816 524 359 1,133 4,85 656 4,193 1,892 1,892 2,31 1, 1, 599 468 14 176 277 154 1,221 3,566 24,186 4,97 5,169 14,46 553 28,36 25 15 5 9 12 161 1,794 5,728 277,312 28,129 48,36 2,823 21,874 34,915 4,382 36,761 4,991 6,489 25,28 11,5 52,193 357,18 4,229 272,452 27,831 47,383 197,237 21,334 298,16 4,76 36,93 5,11 6,51 25,48 11,234 52,871 35,887 1,498 4,86 297 976 3,586 539 6,899 324 169 19 21 128 184 677 6,221
39 5 :% 17 18 19 2 21 24,452,183 6,566,331 4,634,778 25,698,753 6,744,243 4,679,294 28,142,64 5,14,137 3,313,937 29,374,189 2,365,788 1,391,94 27,17,634 4,887,488 3,433,411 1,11 11,13 87,346 1,25,358 1,135,18 683,258 378,557 1,17 11,71 94,294 1,277,378 1,152,238 71,365 374,72 1,116 11,163 94,775 1,315,466 1,185,974 711,539 354,274 1,13 11,31 91,294 1,355,737 1,229,44 751,43 34,18 1,144 11,445 12,77 1,4,388 1,266,354 766,279 392,711 13.44 65,77,16 6 14.64 66,229,376 6 14.59 66,749,723 6 957 98 943 14.3 67,252,527 6 995 14.95 9,885,85 8 1,19 1. 18891142 1821 178911425 62 2.2279 37213.84 21 2 2,71,18 23,759,36 3,49,125 1,393,73 2,827,22 1,433,471 1,189,773 1,887,811 3,77,585 2,914,137 1.64 15,757,73 63, 5,93,434 % 21 2,764,892 23,5,57 2,24,615 1,279,596 2,653,4 1,373,47 326,478 814,93 488,451 22,37,967 1.69 15,242,834 439, 6,689,133 ( 1. (225,489 215,28 2. 1 3. 4. 2 8,648,327 6,955,355 98,431 784,541 7,14,88 21 3,691,72 2,779,995 12,515 8,81 26,288 227,983 129,478 47,761 2,642,21 2,41,172 924,13 156,425 568,984 396,942 259,372 16,787 18,649 94,262 1,46 952,245 23,455 15,893,663 9,66,245 7,215,589 1,23,173 827,481 6,152,618 738,42 177,831 399,224 355,796 29,624 115,781 93,175 1,21,289 1,16 982,924 237,113 15,455,976 1. 2.
2.17.1 21.36.25 1 2 1,268,85 72,847 169,812 13,63 361,993 1,196,661 21 1,317,468 756,78 178,688 1,646 376,24 1,243,798 2 23,759,36 17,63,926 1,562,53 87,944 4,95,541 94,391 3,49,125 21 23,5,57 16,292,124 1,439,773 5,674 5,259,7 8,863 2,24,615 2 21.28.32 1,195,826 1,237,512 3,13,23 2,27,27.25.17 1,814 9,69 55,113 35,363.5.38 891 5,378 1,255 1,753 15,893,663 15,455,976 1.87 1.74 1.58 1.42 1. (274321724 21,3212,791225,489215,28 2. 1.87 2.36.92.64 1.36.25 1.74 2.15.8.34 1.39.18 2 641,753 161,3 48,453 21 988,177 1,656,449 668,271 54,681 218,76 84,89 165,94 152,5 16,395 22,987 146,27 352,181 378,471 61,12 311,31 759,161 71,65 41,194 199,143 1,53,963 193,796 41,75 19,385 771,81 122,73 82,269 38,529 95,835 232,369 328,25 67,546 893,256 825,71 1,575 4,739 23,266 2,13 33,841 2,635 74,351 6,85 88,311 12,944 85,959 19,75 1. 2. 3. 4
1,44 2 486,1 43,149 72,918 634,243 5,48 6,898 1,195,826 1,814 1,26,641 21 492,19 434,55 737,151 669,955 5,129 8,169 1,237,512 9,69 1,246,581 1. 2. 3. 2 H21.3.31 497,491 436,279 718,542 649,534 5,272 13,37 1,229,44 8,148 1,237,552 21 H22.3.31 496,671 434,115 756,954 688,643 4,959 12,729 1,266,354 6,279 1,272,634 2 H21.3.31 42,88 21 H22.3.31 43,51 2 H21.3.31 649,534 5,272 8 654,815 21 H22.3.31 688,643 4,959 8 693,611 447,347 444,812 7,246 89 6,579 1,768 2 H21.3.31 983, 246,43 239,455 4,871 2,76 1,229,44 21 H22.3.31 1,13,24 253,114 246,731 4,934 1,448 1,266,354 654,815 693,611 63,726 63,342 21 H22.3.31 246,731 4,934 1,448 13,37 8,148 12,729 6,279 1. 2. 1,13,24 41
2 41,487 565,939 94,619 18,8 72,847 21 33,94 69,38 12,224 1,532 756,78 2 H21.3.31 36,76 6,278 99,958 14,1 751,43 21 H22.3.31 31,952 62,723 13,27 1,396 766,279 2,857 4 1 1 3 2,612 1 118 217 2,343 38 2,199 3,27 13,79 5 47,578 61,292 2 H21.3.31 146,41 297 17 157 46,64 14 2,824 11,944 75,788 1,48 136,28 87,114 517,249 17,814 215,979 751,43 19.44.3..2.2 6.21..37 1.59 1.9 1.33 18.13 11.59 68.87 2.37 28.75 1. 2,72 21 H22.3.31 19.23 21 46 15 4 2,732 1 131 223 2,289 4 2,293 39 563 2 792 58 97 457 818 13,86 3 47,44 61,33 147,356 57 253 149 48,553 5 3,87 11,57 75,79 9,77 135,483 3,85 7,52 1,915 7,612 13,56 4,419 31,268 17,678 519,244 19,24 227,83 766,279.7.3.1 6.33..4 1.44 9.88 1.26 17.68.49.92.24.99 1.76.57 4.8 2.3 67.76 2.5 29.73 1. 21 H22.3.31 31,952 13,27 62,723 1,396 21 H22.3.31 227,83 19,24 31,268 8,872 147,356 48,553 75,79 135,483 42
2 H21.3.31 21 H22.3.31 435,324 315,719 751,43 57.96 42.3 1. 443,158 323,121 766,279 57.83 42.16 1. 2 H21.3.31 21 H22.3.31 2,138 184,82 15,318 1. 92.34 7.65 26,928 192,28 14,9 1. 92.8 7.2 2 H21.3.31 21 H22.3.31 43 12,494 43 3,197 4,184 46,918 26.62.9 64.36 8.91 1. 12,91 34 25,343 2,51 4,781 31.63.8 62.14 6.13 1. 2 1,9 1,72 1,9 1,72 5,93 5,883 174 4,919 5,883 6,12 6,955 174 5,928 6,955 21 1,72 1,511 1,72 1,511 5,883 6,793 542 5,34 6,793 6,955 8,34 542 6,412 8,34 2 22 63, 963,348 494, 424 12,516 1,533,58 21 439, 1,452,248 445, 12,392 92,929 2,441,57 1. 191119 2. 1911
44 2 H21.3.31 751,43 355,728 395,315 2 H21.3.31 8,759 59 23,192 39 239,581 16,345 298,971 52,145 751,43 21 H22.3.31 766,279 365,934 4,345 21 H22.3.31 8,341 654 262,618 271,614 175,177 264,35 55,452 766,279 2 H21.3.31 93 7,742 7,836 467 6,242 14,545 21 H22.3.31 26 7,658 7,865 77 6,65 14,71 A B A/B 2 1. 2. 21 72,847 756,78 1,26,641 1,246,581 59.73 6.65 A B A/B 2 H21.3.31 751,43 1,237,552 6.68 1. 2. 21 H22.3.31 766,279 1,272,634 6.21 2 21 2,832 37,671 27,44 64,68 216,447 11,639 69,683 221,942 11,312 47,942 5,72 2,957 361,993 376,24 1. 12 2. JS-Price 3. JS-Price 2H21.3.31 21,937 47,862 199,294 11,19 55,32 4,871 34,18 21H22.3.31 33,121 72,321 231,948 1,895 42,838 1,585 392,711
45 2 541 243 545 243 2H21.3.3121H22.3.31 1 3 1 3 5 5 7 7 1 1 1 3 5 5 7 7 1 1 21H22.3.31 2H21.3.31 1,145 8,152 53,14 18,294 52 8,75 178 3,45 36,39 5,98 53 44,686 1,325 17,769 47,144 8,74 381 75,36 87 8,138 11,645 6,77 424 27,4 14,96 35,214 83,744 3,996 673 137,726 16,288 16,288 1,895 1,895 33,121 72,321 231,948 1,895 42,838 1,585 392,711 42 5,433 66,284 12,596 97 85,643 46 5,261 37,99 4,886 48,545 1,625 9,277 4,76 11,531 379 63,52 63 7,499 1,228 21,522 943 4,796 3,3 2,39 44,83 4,496 836 72,81 15,878 15,878 11,19 1,84 12,823 21,937 47,862 199,294 11,19 55,32 4,871 34,18 1 3 A B A/B A B A/B 1. 2. 1. 2. 392,711 1,272,634 3.85 21 H22.3.31 34,18 1,237,552 27.47 2 H21.3.31 376,24 1,246,581 3.18 361,993 1,26,641 3. 2 21 2 1. 2. 3. 21H22.3.31 2H21.3.31 17,471 5,845 11,5 521 66 352 521 68 475 1,65 1 123 126 939 53 35,756 34,817 17,992 5,912 11,852 22,574 8,142 22,999 36 96 74 328 8 4 341 22 14 745 872 53,186 53,716 22,88 8,46 22,259 1. 2. 3. 21H22.3.31 2H21.3.31 4,4531,38 3,72 6,2211,892 4,329 1,173 4,691 278 955 3,457 355 6,221 1,498 4,86 297 976 3,586 539 6,899 324 169 19 21 128 184 677 8,936 39,382 32,842 53,894 222,645 32,568 35,887 1,11 314,74 33,121 54,849 226,13 32,924 357,18 1,72 18 15 1 88 2,732 4,453 192 1,15 69 8 1, 122 1,466 1,895 1,169 175 82 911 2,854 5,919 11,933 238,395 22,42 25,288 191,63 39,637 289,966 1,231 238,376 21,937 25,287 191,151 36,94 285,512
46 2H21.3.31 21H22.3.31 85 1,794 1, 1, 2H21.3.31 1, 1. 2. 1, 21H22.3.31 2H21.3.31 21H22.3.31 1 1 2 2 1 6,55 6,55 6,55 6,55 125 125 125 125 6,25 6,25 6,25 6,25 17 17 17 17 2 2 1 6,75 6,75 125 126 6,35 6,25 17 17 1. 2. 2H21.3.31 21H22.3.31 1 1 2,423,22 1,26,238 2,333,772 9,274 3,32,928 1,678,461 2,914,31 15,24 1,21,1 66,94 1,16,676 48,598 1,563,546 839,228 1,496,552 66,488 1,213,12 6,144 1,173,96 39,324 1,469,382 839,232 1,417,758 51,283 2,333,772 9,274 2,914,31 15,24 1. 2. 2 1,927 1,252 3,179 21 1,376 2,53 3,429 2 8,119 5 8,619 21 3,4 238 3,279 2 2 21 1 12,127 998 4,146 12,554 2H21.3.31 21H22.3.31 93,52 1,227 5,68 13,242
1 2 H21.3.31 1,228 745 21 H22.3.31 1,234 743 1 2 H21.3.31 22,99 13,411 21 H22.3.31 22,725 13,683 2 21 2 21 2,443,289 2,67,493 62,671 4,226,791 5,41,87 32,579 2,73,17 2,35,354 41,178 3,643 1,157 2,486 126,289 52,395 73,894 3,199 919 2,28 9,662 35,87 55,575 16,43 8,163 1,339 38,74 82,877 4,57 57,156 5,129,496 9,678,34 4,429,978 42,383 29,166 7,769 147,818 1. 4,288,615 5,96,133 41,262 1,524 9,436,534 2.47 21331 1,253,45 1,662,844 49,394 21331 1.1123 253,815155,578 192 2 2. 1. 21 2..5 1 1 12 A B C D E F ABCDEF 2 5,57,451 2,655,99 147,852 919,771 1,629,542 21 5,3,371 3,184,291 129,371 387,291 1,561,158 A B C D E F G A+B+C+D+E+F+G 2 773,46 99,455 31,252 18,481 78,44 7,258 98,431 21 797,79 11,149 13,279 18,481 15,331 5,744 1,23,173
48 1 2271 223 1 2 3 255 4 5 6 676 2, 1 347,899 29,757 1151 1 2 3 4 58427 5, 8 1 8,844,169 63,432 1148 1 2524 2, 27.5 42.5 1,71,299 66,363 1151 1 2 3 4 6723 1, 35 25 122,471 4,946 1151 1151 1 2 1 2 151219 3, 19425 5, 96.6 1.6 98 1 29,584 7,123 448,26 14,84 211 4,68971,3912 5561 3885 15.11
49 2 H21.3.31 21 H22.3.31 2 H21.3.31 21 H22.3.31 219,514 25,547 1,228,257 1,264,997 1,361 2,565 7,348 5,479 254 244 7,837 5,93 1,85 2,794 339,89 392,55 1,76 7,849 75,643 765,229 1,42 1,31 162 389 1,743 1,675 14,729 16,116 265 277 15,55 13,856 893 1,339 2,94 2,718 1 8,75 8,687 658 329 1,181 924 13,563 13,83 5 2,177 1,526 1,271,687 1,32,985 1 99 59 59 1,13 1,144 41 4 94,5 97,868 5,8 2,551 13,563 13,83 7,476 8,88 95,18 99,12 1,364,324 1,46,897 3,72 4,33 3,72 4,33 529 568 92,637 13,912 1,364,324 1,46,897
2 33,816,773 23,754,386 17,57,189 1,564,219 87,944 4,95,642 94,391 2,961,374 1,891,958 5,29,53 3,894,68 3,7,84 2,87,421 14,693 52,699 6,27 1,344,421 3,77,614 15,854,811 7,547,676 1,163,585 6,384,9 2,922,164 498 498 41,86 41,86 2,881,576 1,925,529 913,686 1,11,843 88,2 1,781,731 21 31,179,117 22,999,651 16,288,429 1,441,57 5,674 5,255,626 8,863 2,777,886 821,255 4,58,324 25,617,821 2,243,341 2,47,777 158,55 34,47 3,9 1,314,414 488,451 15,49,67 6,162,546 1,883,691 4,278,855 5,561,296 348 348 244,769 83,883 149,932 1,953 5,316,874 1,416,724 23,63 1,393,121 38,376 3,885,376 2 21 92,335,254 1,781,731 1,781,731 66,743 66,743 94,5,242 94,5,242 3,885,376 3,885,376 67,245 67,245 97,868,373 5
51 4 2 21 1. 2. 1 231 19231 3. 4. 5. 141 75 35 1.6 6. 7. 8. 9. 4 1. 11. 4 2 1 1 21331 1,253,45 1,662,844 49,394 21331 1.1123 253,815155,578 19 2 3 19 2731 12. 13. 14. 15. 241 16. 17. 5 18. 628 19. 19,38 2. 21. 1,59355,755 (
5222. 23. 24. 25. 26. 27. 28. 29. 3. *1 *2 1 )4 9796134 3 3 3 2,329 3 3 59,68 21.24. 24 1,522 2, 1,689 1 184 23 455 19,794 1 ALM 2 ALM () ALM ALM ALMALM ALM () () ALM ALM () ALM ALM 22331 (1) (2) 1 TIBOR 2 TIBOR.. 3 1 TIBOR 1 2 TIBOR 2 1 2*1 3*1 *2 1 2 185,984 34,817 355,772 765,229 9,589 755,64 1,332,214 1,264,997 5,479 1,27,476 186,485 35,756 355,772 769,53 1,347,67 1,266,33 5,481 1,271,514 5 939 13,412 14,853 1,36 1 1,37
53 31. 32. 33. 34. 35. 36. 37. 38. 39. 4. 1. 2. *1 *23 *3 3 *3 4 *1 35. 1212 35 5 5 18,27 188,55 5,117 3,184 1,933 387 129 1,675 1,675 1342 *1*2 562 *3 1,353 1,916 1,794 * 1 113,334 44,527 4,378 4,149 224,19 382,53 72,45 154,255 16,74 137,55 212,241 438,946 1 162,96 14,262 147,833 154,948 317,145 1 16, 16, 17,454 186,454 15 1 51 3,567 24,186 4,97 5,169 14,46 553 28,38 599 468 14 176 277 154 1,222 25 15 5 9 12 161 17,228 4,945 6,53 28,677 242 899 4,996 6,139 34,817 17,75 5,13 6,979 29,743 242 898 4,872 6,13 35,756 521 68 475 1,65 1 123 126 939 5,736 277,312 28,129 48,36 2,823 21,874 34,923 4,382 36,761 4,991 6,489 25,28 11,5 52,193 357,117 4,233 272,452 27,831 47,383 197,237 21,334 298,2 4,76 36,93 5,11 6,51 25,48 11,234 52,871 35,891 1,53 4,86 297 976 3,586 539 6,93 324 169 19 21 128 184 677 6,225 * 1 1,114,676 5,479 1,12,156 149,144 149,144 1,176 1,176 15 1 51 1, 1,
54 2 H21.3.31 21 H22.3.31 2 H21.3.31 21 H22.3.31 A+B C 96,787 11,64 1,13 1,144 8,82 11,74 93,982 97,776 7,6 7,6 529 568 I/O247 D 37 8,82 37 27 11,74 27 95,641 99,49 CD E 96,75 11,36 45 1,146 1,574 8 617,18 12,527 44,287 611,631 12,437 44,365 F 673,994 668,433 B 1,146 1,574 Tier1 AF 14.19 14.88 EF 14.35 15.11 1. 891 142 1821 2. 2 279 372 13.89 21
17 18 19 2 21 29,45,91 3,451,773 32,646,887 33,816,773 31,179,117 6,897,26 7,93,525 5,464,548 2,922,164 5,561,296 4,769,147 4,734,543 3,326,77 1,781,731 3,885,376 87,687 96,174 96,844 92,637 13,912 1,26,395 1,287,493 1,324,432 1,364,324 1,46,897 13.54 14.74 14.73 14.35 15.11 18891142 1821 178911425 62 2279 37213.89 21 55 2 H21.3.31 2,995 42,4 21 H22.3.31 1,593 55,755 3 28 1,979 2,329 47,44 59,68 24121331 214122331 1. 1 29,36,345 4,456,427 33,816,773 33,816,773 27,155,193 4,23,924 31,179,117 31,179,117 2 23,62 137,797 16,859 16,859 2,327 125,747 146,75 146,75 29,383,48 4,594,225 33,977,633 16,859 33,816,773 27,175,521 4,149,671 31,325,192 146,75 31,179,117 26,963,86 4,91,758 31,55,619 161,11 3,894,68 22,244,54 3,527,716 25,771,771 153,949 25,617,821 2,419,547 52,466 2,922,13 151 2,922,164 4,931,466 621,954 5,553,421 7,874 5,561,296 2. 1 1,355,85 13,598 1,459,43 95,78 1,364,324 1,4,46 11,179 1,51,639 94,742 1,46,897 2 941 44 986 985 1,2 48 1,249 1,249 3 2,886 37 2,923 2,923 297 42 339 339 1 2 312
56 2271 ALM 176 1. 1. 1. 1. 1 2 3 4
57 31 1 2 3 4 1 2 3 4 11 2 3 1 1 2 1 1 2 1 2 1 3 1
58 1 2 3 4 5 1 2 3 4 5 6 7 8 9 1 1 2 3 4 5 6 7 8 1 2 3 4 5 6
59 7 1 2 3 4 5 6 7 ALM 1 2 3 4 5 6 7 ALM 8 1 2 3 4. 5. 6.
6. 2. 3. 4. 5. 6.. 2. 3. 4. 5. 6. 2( ) () () 1 2 3 4 5 6 7
61 1 2 3 1 2 3 4 5
62 8 Tier 1Tier 2 21. 2114.95 4 Tier 198.5 1 ALM 4 5 DCF 2 1. 2. 3.
UFJ UFJ 1 ALM 2 3 4 RI JCR Moodys SP 4. 5. 6. 63
1 1 2 2 7. 9. 8. 1 99 6 1 2.5 55 5 3 64
65 132 5128 2 48 37 4612 5542111 2 6.. 1. Tier 1Tier 2 21 2. 2115.11 Tier 198.4 3.
. 1 2 21 A 1,13 1,13 91,713 326 94,3 1,144 1,144 95,13 355 97,657 45 B A + B C I/O 247 D CDE 8 F T i e r 1 AF EF 1,72 1,72 95,372 8,82 7,6 37 8,82 37 95,334 68,686 13,55 44,45 666,237 14.15 14.3 1,511 1,511 99,168 11,74 7,6 27 11,74 27 99,14 65,295 13,39 44,13 662,78 14.73 14.95 66 1. 891142 1821 2. 2279 3,7213.84 21
2... + 2 21 T i e r 1 14.15 14.73 14.3 14.95 1. 4 2. 3. 3 15 4. 315 8 3 5. 4 3. 1 13 35 57 71 1 622,191 614,7 8 49 1,734 78 76,866 197,489 112,532 37,47 135,395 724 58 1,147 14,51 27,11 546 546 7,638 44,45 666,237 1,36,138 55,113 1,361,252 193,189 441 254 157 53,97 14,185 7,328 19,698 86,334 345,781 15,575 15,688 139,42 189,389 55,213 1,361,252 345,649 216,949 124,47 87,753 194,229 337,156 55,17 1,361,252 766,22 766,22 15,387 441 254 157 53,38 14 3,9 12,457 78,734 1,768 149,273 99,883 17,87 189,389 766,22 154,716 55,89 63,542 48,167 116,583 321,259 5,862 766,22 2 24,887 24,56 1 69 3 3,74 7,899 4,51 1,496 5,415 282 45 58 1,8 21 21 35 1,761 26,649 618,65 68,435 613 2,561 69 71,691 189,854 118,15 37,952 141,786 1,12 58 9,341 1,865 24,55 751 751 9,418 44,13 662,78 268,642 55,113 323,756 36,144 588 14,37 3,53 6,74 6,793 118,185 1,31 4,445 121,172 1,878 323,756 47,647 82,292 6,754 39,571 77,592 15,897 323,756 266 266 3 12 159 266 58 7 69 15 53 266 271,26 271,26 6,653 1 133 815 536 75 216,666 1,358 44,335 271,26 143,226 78,695 4 49,244 271,26 24,744 24,337 24 12 2 2,867 7,594 4,72 1,518 5,671 442 373 434 98 3 3 376 1,764 26,58 2,273 2,273 152 25 27 61 497 387 718 29 13 2,273 67
. 2 21 2 21 2 21 1,72 1,511 5,883 6,793 6,955 8,34 1,9 1,72 4,919 5,34 5,928 6,412 174 542 174 542 1,72 1,511 5,883 6,793 6,955 8,34 1,9 1,72 5,93 5,883 6,12 6,955 21 21 1,391,976 1. 2. 3. 4. 5. 6. 3 21 69123 1,43,639 776,179 364,113 295 251,387 2 781,462 375,892 268 246,16 1,348,86 1,361,252 746,655 337,566 316 264,321 766,22 323,756 266 271,26 2 1 13 35 57 71 1 1,361,155 42,484 1,43,639 194,6 72 356 149 56,25 15,726 9,76 24,555 84,411 286,481 15,466 4,97 9,489 1,971 9,37 15,859 4,634 35,848 23,573 23,971 199,244 71,882 279,568 27,714 13,819 72,223 276,622 354,86 81,831 1,43,639 1,43,639 781,462 781,462 151,324 72 356 149 55,646 5 3,317 11,619 78,744 1,354 149,663 4,757 9,489 1,971 9,37 15,854 4,634 35,848 19,114 19,336 199,244 138,96 58,56 59,189 46,279 134,7 338,684 5,825 781,462 781,462 333,48 42,484 375,892 37,379 62 15,591 5,512 12,337 4,838 13,554 82 3,65 184,635 7,32 43,354 76,61 71,318 25,928 142,53 16,175 375,892 375,892 268 268 5 126 136 5 94 6 15 48 268 268 246,16 246,16 5,351 1 129 876 598 72 172,435 212 4 853 64,849 97,257 72,53 25 76,5 246,16 246,16 4,41 4,41 337 695 3 61 71 924 3 32 67 34 133 137 4,41 21 68
. 2 875 496 28 19 711 1,411 1,436 95 5,75 156 388 12 129 31 36 2 786 1,32 885 28 14 84 1,443 1,399 92 5,862 21 1,32 57 1,54 885 28 14 84 1,443 76 17 275 57 369 92 12 3 72 87 283 33 17 3 52 186 123 94 5,862 91 6,772 1. 2. 21 764 32 212 927 1,726 19 278 559 187 245 187 69. 2 21 3,1 21,261 289,381 1 119,37 125,42 2 353,424 779 298,6 637 35 16,833 18,376 5 78,13 1,659 71,75 3,17 75 132,839 141,431 1 19 359,634 517 359,775 125 4,68 4,946 15 246 323 35 438,626 922,626 375,275 1,28,363 1. 2. 3. 125
7 2 21 2 21 2 21 2 21 2 21 2 21 266 169 96 266 266 169 96 266 268 194 74 268 i ii iii iv v vi vii 268 194 74 268 93 175 112 153 2 21 5 9,44 72,853 9,797 71,791 2 21 2 21 2 21 4
6 i CDS ii iii 2 1,232 232 1, 21 1,52 52 1, CDS 2 21 2 21 2 232 1 5 1, 1,52 2 3 1 35 71 15183 2663 7 2 21 13,57 1,544 13,57 1,788 1,54 1,788 14,61 13,57 12,328 1,788 1. 2. 3. 2 21 842 128 1,478 61 145 12
. 2 2,272 21 1,26. 2 21 8 1VaR 2 21 5,34 8,825 599 14,459-3,62 5,67 12,353-9,22-669 538-12,754 17,959 2 2 21 2 21 12,463 13,215 1,296 1 26,976 11,58 17,323 1,225 12 3,69 4,264 5,581 12 9,859 4,621 5,592 11 1,225 72 7 84 453 377 27,47 3,154 1,312 1,63 16,734 19,551 17.546% 19.715% 1. 2. 3. GPS 19,5513,1541,63
1612 2 73 A 45 B A + B C 5 I/O 247 D C D E 8 F T i e r 1 AF 2 1,13 93,982 529 95,641 21 1,144 97,776 568 99,49 1,574 11,64 11,74 7,6 11,74 27 11,36 611,631 12,437 44,365 668,433 14.88 15.11 EF 1. 891142 1821 2. 2279 3,7213.89 21 1,146 1,146 96,787 8,82 7,6 37 8,82 37 96,75 617,18 12,527 44,287 673,994 14.19 14.35 1,574 27
3... + 629,77 621,523 2 21 14.88 15.11 1. 4 2. 3. 3 15 4. 315 8 3 5. 4 4. T i e r 1 1 13 35 57 71 1 8 49 1,734 78 77,12 22,826 114,3 37,47 135,253 1,81 58 1,147 14,292 27,54 546 546 44,287 673,994 1,315,247 55,113 1,37,361 197,535 444 254 167 54,36 14,185 7,422 19,971 87,398 346,525 15,663 18,228 139,42 189,421 54,738 1,37,361 345,249 216,949 124,47 87,753 194,229 337,156 64,616 1,37,361 764,64 764,64 15,387 441 254 157 53,38 14 3,9 12,457 78,734 1,768 149,273 98,51 17,87 189,389 764,64 154,316 55,89 63,542 48,167 116,583 321,259 4,88 764,64 7,638 14.19 14.35 2 268,642 55,113 323,756 36,144 588 14,37 3,53 6,74 6,793 118,185 1,31 4,445 121,172 1,878 323,756 47,647 82,292 6,754 39,571 77,592 15,897 323,756 25,188 24,86 1 69 3 3,8 8,113 4,561 1,496 5,41 432 45 571 1,11 21 21 35 1,771 26,959 266 266 3 12 159 266 58 7 69 15 53 266 624,68 613,898 613 2,561 69 71,863 193,33 119,357 37,946 141,627 1,78 58 9,341 1,66 24,985 751 751 9,418 44,365 668,433 281,697 281,697 1,999 2 9 391 133 99 89 1,768 217,41 88 3,838 31 45,31 281,697 143,226 78,695 4 59,735 281,697 24,962 24,555 24 12 2 2,874 7,721 4,774 1,517 5,665 71 2 373 426 999 3 3 376 1,774 26,737 3,786 3,786 191 2 222 27 61 54 1,449 1,1 214 13 3,786 74
75 21 21 1,399,83 1. 2. 3. 4. 5. 6. 3 21 93 1,41,652 775,5 364,7 33 259,325 2 779,514 375,892 268 254,977 1,353,331 1,37,361 753,1 329,654 284 27,391 764,64 323,756 266 281,697 2. 2 21 2 21 2 21 1,147 6,33 7,477 1,69 5,225 6,294 224 224 1,147 6,33 7,477 1,69 5,45 6,519 1,576 7,234 8,81 1,147 5,754 6,92 575 575 1,576 7,234 8,81 1,147 6,33 7,477 1 13 35 57 71 1 1,368,168 42,484 1,41,652 197,535 723 356 157 56,689 15,726 9,785 24,826 85,383 287,349 15,538 3,237 9,633 1,981 9,379 16,552 4,661 36,36 23,969 23,971 199,258 72,575 278,747 27,814 13,919 72,223 276,622 354,96 89,265 1,41,652 1,41,652 779,514 779,514 151,324 72 356 149 55,646 5 3,317 11,619 78,744 1,354 149,663 2,89 9,489 1,971 9,37 15,854 4,634 35,848 19,114 19,336 199,244 137,725 58,56 59,189 46,279 134,7 338,684 5,58 779,514 779,514 333,48 42,484 375,892 37,379 62 15,591 5,512 12,337 4,838 13,554 82 3,65 184,635 7,32 43,354 76,61 71,318 25,928 142,53 16,175 375,892 375,892 268 268 5 126 136 5 94 6 15 48 268 268 254,977 254,977 8,825 2 7 44 129 955 869 1,674 173,34 71 427 144 9 71 697 27 511 1,249 13 65,542 97,617 72,63 35 1 1 84,27 254,977 254,977 5,92 5,92 826 2 796 3 91 724 1,969 3 32 851 34 136 14 12 5,92 21
. 2 97 2 5 31 21 713 1,445 1,576 233 5,432 16 398 2 118 211 37 38 7 877 1,67 1 899 28 14 925 1,483 1,537 226 6,39 21 1,67 1 522 1,589 2 899 28 14 925 1,483 76 17 275 644 369 226 6,39 122 3 73 85 263 33 17 3 5 186 12 95 94 776 32 213 1,11 1,747 19 278 694 187 248 322 7,214 1. 2. 21. 1 2 35 5 75 1 125 15 35 2 21 3,1 21,262 119,37 289,382 125,42 354,158 776 298,921 637 16,833 18,376 78,13 2,965 71,75 4,336 134,875 143,255 19 364,517 517 362,425 4,68 4,946 399 682 439,36 931, 376,136 1,34,516 1. 2. 3. 125 76
2 21 2 21 2 21 2 21 2 21 2 21 266 169 96 266 266 169 96 266 268 194 74 268 i ii iii iv v vi vii 268 194 74 268 9,797 9,44 72,853 2 21 2 21 2 21 71,791 5 93 175 112 153 2 21 6 77
7 2 21 1,232 1,52 i CDS 232 52 ii 1, 1, iii CDS 2 21 2 21 2 232 1 5 1, 1,52 2 3 1 35 15183 2663 8 2 21 13,71 1,321 13,71 1,85 1,317 1,85 14,393 13,71 12,122 1,85 1. 2. 3. 2 21 842 128 1,478 61 145 13 78
2 2,271 21 1,211 2 21 9 79
4BIS BIS 1 11538 4 4 Tier1 Tier2 45 Tier1 ALM Asset Liability Management VaR Value at Risk VaR 2 2 199 99 1 99 2 2 Tier1+Tier22 BPV Basis Point Value 11.1 GPS Grid Point Sensitivity 121.1 9.11 8
19 19 2526 44 45 44 45 132 39 39 39 39 39 39 39 39 39 39 39 39 133 89 1. 2. 3. 1. 2. 3. 24 1314 1. 2. 5 1 2 3 4 5 6 7 8 9 1 11 12 1718 1718 1718 1718 1516 5.2 3335 1. 2. 43 43 32 5. 6. 7. 3. 4. 3 1 2 3 4 45 46 46 1215 1 2 3 4. 56 2122 1. 2. 39 39 4 41 41 3. 2...... 1. 4... 2 4 4 4.. 48 48 48 48 48 48 1. 1. 2. 1 2 3 4 5 6 7 48 48 43 42 44 42 44... 3 44... 81
7 48 55 55 55 55 55 55 2. 1. 2. 5 1 2 3 4 5 6 495 55 55 55 55 3.2 1. 2. 3 1 2 3 4 1 2 54 3. 4. 1. 2. 2 55 1718 13215 62 65 66 73 1. 2. 3. 4. 7. 24 2931 2728 35 1. 2. 3. 6. 2 2 2 1. 2. 3. 4. 5. 7 8 91 8 1. 2. 4. 47 47 1. 2. 3. 4. 3. 46 46 46 46 1. 2. 3. 4. 5. 6. 2. 41 41 41 42 43 43 1. 2. 3. 4. 5. 6. 7. 1 1 1. 6 1439 16 39 47 47 47 1 2 82
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