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2018
1
2015 82017
4 20182018 3 13
2
2015/8
0
50
100
150
200
250
0. 0
0. 5
1. 0
1. 5
2. 0
2. 5
3. 0
3. 5
4. 0
83 87 91 95 99 03 07 11 15
bp
( )
83 89
8bp
90 04
92bp
05 15
22bp
0
50
100
150
200
250
0. 0
0. 2
0. 4
0. 6
0. 8
1. 0
1. 2
83 87 91 95 99 03 07 11 15
bp
83 89
12bp
90 04
71bp
05 15
30bp
15
0. 70.0
0.5
1.0
1.5
2.0
2.5
3.0
3.5
4.0
4.5
82 85 88 91 94 97 00 03 06 09 12 15
82 89
0. 7
90 04
1. 9
05 15
1. 2
0.0
0.5
1.0
1.5
2.0
2.5
3.0
3.5
4.0
4.5
97 99 01 03 05 07 09 11 13 15
97 04
3. 1
05 15
1. 7
15
1. 3
3
2010
4 2015
2010 86 144
20 52. 6 20 38. 5 21 38. 9 20 26. 7 25 67. 6 24 47. 1 29 50. 0 22 18. 0
0 0. 0 5 9. 6 1 1. 9 0 0. 0 1 2. 7 2 3. 9 2 3. 4 3 2. 5
5 13. 2 5 9. 6 6 11. 1 14 18. 7 4 10. 8 5 9. 8 7 12. 1 13 10. 7
2 5. 3 2 3. 8 4 7. 4 18 24. 0 8 21. 6 8 15. 7 11 19. 0 31 25. 4
5 13. 2 19 36. 5 0 0. 0 1 1. 3 0 0. 0 4 7. 8 0 0. 0 5 4. 1
0 0. 0 4 7. 7 12 22. 2 11 14. 7 0 0. 0 3 5. 9 6 10. 3 12 9. 8
0 0. 0 5 9. 6 17 31. 5 19 25. 3 0 0. 0 0 0. 0 0 0. 0 2 1. 6
0 0. 0 0 0. 0 0 0. 0 9 12. 0 0 0. 0 0 0. 0 1 1. 7 28 23. 0
0 0. 0 0 0. 0 0 0. 0 8 10. 7 0 0. 0 1 2. 0 0 0. 0 9 7. 4
14 36. 8 17 32. 7 14 25. 9 11 14. 7 4 10. 8 11 21. 6 10 17. 2 28 23. 0
38 100. 0 52 100. 0 54 100. 0 75 100. 0 37 100. 0 51 100. 0 58 100. 0 122 100. 0
5
2017/4
42 42. 4 53 27. 0
( 70) ( 70. 7) ( 103) ( 52. 6)
30 30. 3 57 29. 1
27 27. 3 48 24. 5
1 1. 0 10 5. 1
7 7. 1 11 5. 6
0 0. 0 1 0. 5
0 0. 0 0 0. 0
18 18. 2 32 16. 3
0 0. 0 7 3. 6
2 2. 0 4 2. 0
0 0. 0 0 0. 0
7 7. 1 15 7. 7
42 42. 4 99 50. 5
6
7
DCF CF
8
2018
2018
2018
9
2018 4
10
11
1
12
99
2017 2017
2004
2017 92017 3
20172016
13
1.0
0.5
0.0
-0.5
%
14
ROA
15
the
16
ROA25
25
2010
2000
2000
17
CRD
1 pt
2016
18
1/3 19
20
3
21
22
through the cycle
23
