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IncomeStatementFortheyearended31December(ExpressedinmillionsofRenminbiunlessotherwisestated)InterestincomeYOYgrowthInterestexpense%ofinterestincomeNetinterestincomeFeeandcommissionincomeYOYgrowthFeeandcommissionexpense%offeeandcommissionincomeNetfeeandcommissionincomeDividendincomeNetgainarisingfromdealingsecuritiesNetgainarisingfrominvestmentsecuritiesNetgainarisingfromforeigncurrencydealingOtheroperating(loss)/incomeOperatingincomeOperatingexpenses%ofoperatingincomeProvisionsforimpairmentlosseson—loansandadvancestocustomers%ofinterestincome—othersImpairmentlossesProfitbeforetaxIncometax%ofprofitbeforetaxNetprofitProfitMarginBasicanddilutedearningspershare(inRMB)No.ofsharesin2006:224,689millionAnnualGrowthRateBasedonProjectedNetProfitPastProForma200220032004200520062007E116,554132,471147,196173,601215,189279,74613.66%11.12%17.94%23.96%30.00%-37,688-41,532-45,708-57,050-74,821-100,70832.34%31.35%31.05%32.86%34.77%36.00%78,86690,939101,488116,551140,368179,0374,1295,1597,3529,26114,62719,74624.95%42.51%25.97%57.94%35.00%-467-578-881-806-1,056-2,37011.31%11.20%11.98%8.70%7.22%12.00%3,6624,5816,4718,45513,57117,3771,049952777546424551713003064556198053204792,7011,9271,0121,316301392509-1,306-6,068-7,8889309611,7242,0861,6672,16785,19998,604113,976128,714151,593193,364-42,700-50,740-53,419-58,092-66,662-87,01450.12%51.46%46.87%45.13%43.97%45.00%42,49947,86460,55770,62284,931106,350-19,602-9,662-6,109-13,706-18,997-25,17716.82%7.29%4.15%7.90%8.83%9.00%-495-500-3,249-1,552-217-282-20,097-10,162-9,358-15,258-19,214-25,45922,40237,70251,19955,36465,71780,891-11,068-15,169-2,159-8,268-19,398-27,50349.41%40.23%4.22%14.93%29.52%34.00%11,33422,53349,04047,09646,31953,3889.72%17.01%33.32%27.13%21.52%19.08%0.060.120.260.240.210.2498.81%117.64%-3.96%-1.65%15.26%123,354140,714160,565186,570227,470296,4422008E2009E2010E2011E2012E335,695399,477459,398519,120576,22320.00%19.00%15.00%13.00%11.00%-120,850-143,812-165,383-186,883-207,44036.00%36.00%36.00%36.00%36.00%214,845255,665294,015332,237368,78326,06533,88540,66248,79457,57732.00%30.00%20.00%20.00%18.00%-3,128-4,066-4,879-5,855-6,90912.00%12.00%12.00%12.00%12.00%22,93729,81935,78242,93950,6686617879051,0231,1359661,1491,3211,4931,6581,5791,8792,1602,4412,710-9,466-11,265-12,954-14,638-16,2492,6013,0953,5594,0214,464234,122281,129324,789369,516413,169-105,355-126,508-146,155-166,282-185,92645.00%45.00%45.00%45.00%45.00%128,767154,621178,634203,234227,243-36,926-43,942-45,940-46,721-51,86011.00%11.00%10.00%9.00%9.00%-339-403-463-523-581-37,265-44,345-46,403-47,244-52,44191,502110,276132,231155,990174,802-22,876-27,569-33,058-38,997-43,70025.00%25.00%25.00%25.00%25.00%68,62782,70799,173116,992131,10120.44%20.70%21.59%22.54%22.75%0.310.370.440.520.5828.54%20.52%19.91%17.97%12.06%358,100429,007495,052562,255627,519BalanceSheetAsat31December(ExpressedinmillionsofRenminbi)Past2002AssetsCash21,390Balanceswithcentralbanks264,194%ofdepositsfromcustomers9.36%Amountsduefrombanksandnon-bankfinancialinstitutions114,018%ofinterestincome97.82%Loansandadvancestocustomers1,576,193%ofinterestincome14Investments759,086%ofoperationgincome9Interestinassociate-Propertyandequipment55,387%ofoperationgincome65.01%Goodwill-YOYgrowthDeferredtaxassets14,351%ofprofitbeforetax64.06%Otherassets53,317%ofoperationgincome62.58%Totalassets2,857,936LiabilitiesAmountsduetocentralbanks2,448%balanceswithcentralbanks0.93%Amountsduetobanksandnon-bankfinancialinstitutions106,461%ofinterestincome91.34%Depositsfromcustomers2,822,744%ofinterestincome24Certificatesofdepositissued1,701%ofinterestincome1.46%Currenttaxliabilities305%ofprofitbeforetax1.36%Deferredtaxliabilities14%ofprofitbeforetax0.06%Otherliabilitiesandprovisions57,469%ofinterestincome49.31%Subordinatedbondsissued-Totalliabilities2,991,142EquitySharecapital-Reserves-netprofit*55.38%TotalequityattributabletoshareholdersoftheBank-133,206Minorityinterests-YOYgrowthTotalequity-133,206Totalequityandliabilities2,857,936AssetAnnualGrowthRateBasononProjectedBSProForma20032004200520062007E2008E24,41027,08028,41330,191235,313228,614306,338372,286451,723509,482587,466704,9599.59%10.66%11.28%10.79%10.00%10.00%237,548112,531190,10882,185111,898134,278179.32%76.45%109.51%38.19%40.00%40.00%1,943,3592,173,5622,395,3132,795,9763,636,6944,364,033151514131313804,3861,107,6361,413,8711,909,3921,933,6432,341,22481011131010---10310310351,73648,44449,96153,03758,00958,53152.47%42.50%38.82%34.99%30.00%25.00%---1,7431,7951,8493.00%3.00%--4202,7018099150.76%4.11%1.00%1.00%189,28968,38155,93363,70177,34693,649191.97%60.00%43.46%42.02%40.00%40.00%3,557,0663,909,9204,585,7425,448,5116,643,0777,928,1555,6962,247211,2561,1751,4101.86%0.60%0.00%0.25%0.20%0.20%109,174112,039164,524243,968223,797268,55682.41%76.12%94.77%113.37%80.00%80.00%3,195,6733,491,1214,006,0464,721,2565,874,6607,049,5922424232221214,3343,7415,4296,9578,39210,0713.27%2.54%3.13%3.23%3.00%3.00%521,7505,64817,89722,65025,6210.14%3.42%10.20%27.23%28.00%28.00%471388-258099151.25%0.76%0.04%1.00%1.00%54,46163,18776,49087,03