2023年银行业风险管理（中级）考试真题预测考卷（含答案）

《2023年银行业风险管理（中级）考试真题预测考卷（含答案）》由会员上传分享，免费在线阅读，更多相关内容在教育资源-天天文库。

2023
◅ᳮὃ⚪⚜ὃᔁᫀLᑡ⚗⌼ᡂᖪ
!◅Ḅ᜜$%&'A.᜜$()B.*ᯠ,-C../01D.234ᦑூᫀ௃8Cூ9᪆௃8!◅;ᢣᵫ>ᗐᡈᨵB⚪Ḅᑁ$DEஹᕒHஹIJKᢈMNOP᜜$4Qᡠ⌼ᡂSᜫḄ◅஺!◅VᑖXYᕒ%&ஹᑁ$ZDஹMN[◍]᜜$4Q^ᜧ`abᐸb᜜$4Qd☢⊤gX᜜$()ஹ*ᯠ,-ஹ234ᦑஹ᜜ᒹᖪijk஺2.ᙠnopᔠ▲sᳮb“uvᑖw”Ḅuv;,;ᖪ
ᵨᩭ|}ᡠᨵSᜫஹ■ẚḄḄuv஺

1A.
vB.
ḄᦈuvC.Ḅ
uvD.⚜ḄḄ
uvᒹᡠᨵᑜḄuvᐭூᫀ௃8Dூ9᪆௃8pᔠ▲sVᑖXᣴI▲s]nopᔠ▲s`஺ᐸbnopᔠ▲s;ᙠᑖaஹᢗuஹ2᧕]⊤᜜◅kᜧ`pᔠ▲sḄẠḄ஺pᔠ▲sḄb;ᢥ¡pᔠ¢£uvᑖwᩗ¥஺'‘uvᑖw”Ḅuv;ᡠ⚜ḄḄ
uvᒹᡠᨵᑜḄuvᐭb;ᖪ
ᵨᩭ|}ᡠᨵSᜫஹ■ẚḄḄuv஺3.Ꮇ¡
2010©ª«¬ᐳᨵ200®ᐗbᐸ°±150®ᐗbᐸᐳᨵ²³ᜓ8®ᐗbµ⚗³ᜓ1®ᐗbᱯ·³ᜓ1®ᐗbᑣᐸ¹ºᜓ⌚¼᳛¾XoA.15%B.20%

2C.35%D.50%ூᫀ௃8Bூ9᪆௃8¹ºᜓ⌚¼᳛=[²³ᜓ+µ⚗³ᜓ+ᱯ·³ᜓ/Ã`+Vᶧ`+Sᜫ`]X100%=[8+1+1
/200-150
]X100%=20%o4.ᖪ
ᐹᨵÆᡈÆÇឋÉ◅ÊËÌᜧÍ⊤gḄ◅XbÎ◅XZÏឋ◅ḄÐ⌕Ò%Ó஺A.Iᵨ◅B.ᡊᶍ◅C.◅D.Ö×◅ூᫀ௃8C

3ூ9᪆௃8◅Ø
ᐹᨵÆᡈÆÇឋÉ◅ÊËÌᜧÍÙḄ◅஺ᑮÛ¬ÜÌÝZÏឋÞÙ᩽ᜧàábÍᰦãḄIᵨ◅ä᩽᧕åãZÏឋ◅b%æ◅;åãIᵨ◅ஹZÏឋ◅ḄÐ⌕Ò%Ó஺5.Ꮇᖪ
ḄçIᵨpᔠᵫ2000èᐗḄAéᑶ]3000èᐗḄBBBéᑶpᡂ஺Aéᑶ]BBBéᑶᑁḄë¾ᭆ᳛ᑖaX2%]4%,íÆîïð஺᝞òᙠë¾ḄóôbAéᑶõᦈ᳛X60%,BBBéᑶõᦈ᳛X40%,ö÷ÎIᵨpᔠᑁ⚜ÛIᵨSᜫXljoA.880000B.923000C.742000D.672000ூᫀ௃8Aூ9᪆௃8

4⚜ÛSᜫ=ë¾ᭆ᳛xë¾◅ø☄Xë¾Sᜫ᳛஺Aéᑶᡠ⌼ᡂḄ⚜ÛSᜫ=2%X20000000X1-60%
=160000ᐗbBBBéᑶᡠ⌼ᡂḄ⚜ÛSᜫ=4%X30000000X1-40%
=720000ᐗ஺%æb
ᙠúçIᵨpᔠ%ë¾◅ᡠÙḄn⚜ÛSᜫ=160000+720000=880000ᐗ஺6.ᙠIᵨ◅ûüHᐹbᔠýþÿ
Ḅᨬ⌕ᒹ
oA.ᔠᐳᐹᜓ"#$%&'()*+B.#,☢Ḅ.ᦪ0ᙠ2▲ᑁᨵᦔC.7ᵨᑁ9:;<;Ḅ=>?@#AᩩCDEF├ḄH7ᵨᑁ9:;I;Ḅ=>ᐕKᨵᩩCḄᐙᑖὃ⇋PᙠQᵨR◅TUVWḄXYD.=>ZḄQ[\"%*+]^>_ᢇ:abḄE☠ឋE.7ᵨQᵨR◅TUeᐹfḄR◅ᩗhDijZklR◅m☄ḄR◅ᩗhூpᫀ௃sA|B|C|D|Eூt᪆௃s

5◀ABCDEx⚗᜜ᔠ
Ḅᨬ⌕{ᒹsজ=>}~ZḄ᫏ᫀQ)ᳮᙠᔠᨵᦔ22ZḄQ[\%*+ᔠḄ>\^>Hঝ=>Zᐵὶᡈᑁ9ḄᐹᨵR◅ᐵឋḄD#ᔠḄQᵨR◅TUeᐹ஺7.ᙠᓫᡝḄ¢£¤¥¦ᑖ᪆§¨©ªஹ¬®ᯠ°᛻ᑖ᪆ᐵ²
oA.>³ᡂµ2ᑖ᪆B.>³ᕜ2ឋᑖ᪆C.ᦈᐭ¹º¬»¼+D.>³½¾+¿"ឋᑖ᪆ூpᫀ௃sCூt᪆௃sABDÀ⚗Áj>³R◅ᑖ᪆ḄÂ⌕ᑁÃ஺§¨©ªஹ¬®ᯠ°᛻ᑖ᪆ᒹs©ª/Å°᛻ஹᢈÇ^Èஹ°ÉÊË~ஹÌὁÎᓄஹ®ᯠÐÑ]᜜9¥¦ḄÒÓÔᓄ஺C⚗Áj¬©ª°᛻Ḅᑖ᪆஺

68.ᢥ᯿×R◅ØᜫÚCÛÜᑖÛÝᑡÁjQ)ßᢈàáÚCḄᨵ()oA.âCB.ãCC.äåæçQèéD.ê+ë〈Øὑ/îE.ïðñØᜫூpᫀ௃sA|B|C|Dூt᪆௃sQ)ßᢈàáÚCòᢣ¥Q)ßᢈàáôõö>ஹᵨ÷ÒஹøᐰᳮúᵫjãCõüஹâCýᜓஹþ¤ÿᖪ⌼ᡂᳮᡈᡠḄᜫ஺E⚗#$᜜&'(஺9.+,&-+ṓ/01()ᐳ5᪀ᡂᖪ78ᨵᦔ,ᳮ;<ᑴ>◅Ḅ᜜&@A஺A.BCDᳮ

7B.EF,ᳮC.GHIJD.GHKᐭூNᫀ௃QCூR᪆௃Q+,&-+ṓ/01GHIJᐳ5᪀ᡂᖪ78ᨵᦔ,ᳮ;<ᑴ>◅Ḅ᜜&@A஺☢UVWXᩖZ[Ḅᐰᳫ^_ஹabcdᨵᦔ78+,U@ᢝabfgḄh⌕ឋklmᓣᐰᳫpᑁrstU78u᪀+,ஹvᗐ+,xy;z{xyஹ|}ᨵᦔBCDᳮஹm~☄ᡂᐳ78+,1GHIJᙠ78>◅,ᳮḄh⌕ឋmᓣ஺10.ᑡ⚗ᵫ$ἠḄkᑭ[ᡠᩭḄ>◅A.ἠ>◅B.ᢚ>◅C.¡᧕>◅D.ᵨ>◅

8ூNᫀ௃QA17.ᖪ¤>◅ᢣᖪ78ᡠᢝᨵḄᔜ§ᖪ¤Ḅ¨©kᑭ[ª«ᖪ78ᩭᜫḄ>◅஺¬Ḅᖪ¤kᒹ¯஺A.°±B.²³C.´µD.¶aூNᫀ௃QDூR᪆௃Qᖪ¤>◅g·Ḅᖪ¤¸⌕ᢣ¹ºᙠHᑁ»ᵫ¡᧕Ḅ¼½¤ஹ¾½¤ᒹ¯²³;¿a#Àkᒹ¯¶a¬Á¿a#¶aÂÃÄᐭᖪ78Å᳛>◅ᶖḄ஺11.ᖪ78ᙠ>◅,ᳮḄÈÉ8ÊËÌÍḄÎḄ஺A.ÏÐ78ᙠ᩽ÒkᑭÓÔḄᜫÕÖ×Ë

9B.ᑖ᪆E½ÙᔠᔊÜḄÝᑖÞC.ẆàÈáâ^¨©ḄGHã[D.8ᨵᦔḄä/åூNᫀ௃QAூR᪆௃QGH>◅ÊËÌÍÁgឋ1gæçᔠºgæè¸Ḅ>◅ᑖ᪆éÈÌ☢êGH>◅ḄᢗEÙᔠᙠᱯg°ᭆ᳛᩽ÒkᑭÓԹר©Ḅᜫᑖ᪆¬îᜫUïᑭ×Ë;EFaᩭḄð☢ñòªUᡠᢝᢗEÙᔠḄᾪôឋõöÏÐ;ᑨløùú⌕ḄûüºýþGH>◅஺12.ᖪ78ùᵨᵨ>◅ᑁ&Ïÿ
◀᧕Ḅᨵᦔ▲0.5᜜ᐸ◅☄Ḅᨵᦔ▲஺A.3B.2C.2.5D.5

10ூ!ᫀ௃$cூ%᪆௃$ᖪ()*+ᵨ
ᑁ./◀᧕ᨵᦔ▲0.5᜜ᐸ◅☄Ḅᨵᦔ▲02.5஺ᖪ()*+ᵨ1ᑁ./23ᨵᦔ▲4056Ḅ◅78஺ᙠᐸᩩ;<=Ḅ>?@,B⚗Ḅᨵᦔ▲DEFᵨ◅GDH஺13.@ᑡᐵLᦈN᳛PQḄRSTḄ஺A.UVWXᩭZ[\?Ḅᑨ^B.UVW_`Z[\?Ḅᑨ^C.WXᩭZ[ab⚜ḄdeD.Wfghi⚜ḄdeE.PQj\kᦈN᳛lmnᨵopᐵqூ!ᫀ௃$B|C|Dூ%᪆௃$

11ᦈN᳛PQᵨLstᦈN᳛kᑮ▲lmḄᐵq஺ᦈN᳛PQḄj\v᧜xEᦈN᳛lmḄᐵqyUVW_`Z[\?Ḅᑨ^z{WXᩭZ[ab⚜ᒹ}Z[~xஹfghiஹḄde஺14.“Xᢥᢇᡠ▬Ḅ▲ᑴឋᩩ”L(⁚Ḅ⚗஺A.`B.FC.FᢇD.ூ!ᫀ௃$Dூ%᪆௃$(⁚Ḅ⚗ᨵ$জ⌮¡¢ঝXᢥᢇᡠ▬Ḅ▲ᑴឋᩩ¢ঞᔠ=⌕8§ᑏ©¢টXᢥ¬®¯°±¯°²³´µᡈ´µ©·ᗐ⌼ᡂ¯°»ᦔ¢ঠXᢥ¬ᳮ¾°ᱥÀÁ´µÂ¾°ᩗᑭÅÆ´µjᡂ»ᦔ¾°¢ডÈᐭÊË┯Í஺

1215.FÎÏ☄fÐfÑjÒᔣÔÕÖ×Ï☄ÖØ{kÖØ<ᐵḄFÎ஺A.ÙÚRÛÜB.ÊUÖÝÜC.¬ÝD.Þ⊤E.àÝூ!ᫀ௃$A|B|C|Eூ%᪆௃$FÎÏ☄fÐᢣÖ×ÖØzÙÚRÛÜஹÊUÖÝÜz{¬ÝÂàÝjÒâÖØ{kÖØ<ᐵḄFÎᔣᢗὅÂÔÕÖ×å*Ï☄Ḅ*0஺16.ᖪ()*Ḅæçឋ◅èᳮ2_éêᐵëìíBḄᓛï஺A.ᑖñd᪀B.ᑭ᳛d᪀C.óôd᪀

13D.ì±d᪀E.▲d᪀ூ!ᫀ௃:A|C|Eூ%᪆௃$ᖪ()*æçឋ◅èᳮḄ᪶ö⌕÷ᙢù1ìḄæçឋÂíBḄú¬ឋûᙠüὅlmýþᨬḄ◅-ᦈ⊝ᐵ▲᪀ஹ᪀ᑖ᪀Ḅᓛ஺17.ᖪ$%&◅'(/*+Ḅᐹ-ᑁ/ᒹ123஺A.45◅6789B.'(ᔜ◅;Ḅ<ᓄ>5?@AC.BCᐵᡠEFḄ◅Gᳮ/IᑴKLḄMLN7/ᦔPD.*+ᖪ$%&ᡠᨵ◅ḄRឋ/R7TUPE.V᦮X◅ᣴZ▲[ூ]ᫀ௃`B|C|D

14ூa᪆௃`◅'(/*+ᒹc◅GᳮḄd⚗⌕ᑁ/`জ'(ᔜ◅;Ḅ<ᓄ>5?@Aᙠ◅ijkូᓄmnopqᐵrstᐸvᑗᐵxEFាzḄIᑴKL{|◅ᙠ%&}RḄ~᪗ᑁঝ*+ᖪ$%&ᡠᨵ◅ḄRឋ/R7TUPxBCᐵᡠEFḄ◅Gᳮ/IᑴKLḄMLN7/ᦔP஺18.◅`p᧕Zᵨ◅'GḄᨵᦔឋᖪ$%&oᓣᐹ◅Gᳮ▾%&$'ṓGᳮ᪀201611ᨴ28᜜¡ᐹp᧕¢£◅67¤ᑣ2¦§¨©ª3«⌕§ᖪ$%&¬p᧕Zᵨ◅Gᳮᐭᐰ☢◅Gᳮ᪾²஺qᐵ³´`µᩭBḼ¸¹º»Ḅ5?ᡃᖪ$%&ᐹp᧕$½¾¿஺p᧕Zᵨ◅'GḄᨵᦔឋᖪ$%&oᓣᐹ◅Gᳮ᪷Á20143ᨴÂÃÄÅᕒÇ5Ḅ¡p᧕Zᵨ◅67Ḅ᪗ÈÉÊ«▾%&$'ṓGᳮ᪀Ë₝Í¡ᐹp᧕¢£◅67¤ᑣ2¦§¨©ª3«2ÎÏС¤ᑣ«3஺¡¤ᑣ«Ñ␺▭ÔÕxᔠᡃ%&$M▭oXᐹ6

157Ḅ◅ØÙឋ஺¡¤ᑣ«ÚÛᳮÍᐹ67ḄÜẠRÞ>6ßkàá{Íâ[ßãᔠஹäå>æçãᔠḄ{RÉÊ,ᑖå¤RÍéê|ë¸ì᣸îïÎ◅ð☄Ḅ67ò஺¡¤ᑣ«ᒹ1óᦻ>▬drᑖ஺óᦻᐳ10ᩩ⌕§ᖪ$%&¬p᧕Zᵨ◅Gᳮᐭᐰ☢◅Gᳮ᪾²øùᏉᐰû◅üᳮḄýþÿ
ᓄẠ
ᦪᦈ
ᐹ!"Ḅ$%ឋ஺▬)*+,-.ᡂ0ᙠ2◅4☄Ḅ!6789:
;<,=>2◅4☄Ḅ?@7A஺᪷CDᫀFGH
IJKᑡ6M⚪஺পPQRSḄᵨ2◅
U᧕WXᵨ2◅Ḅᱯឋᒹ[\]஺\^⌱⚪]A.`ᔠ>bcde
U᧕WXf=>
g7ᙠU᧕WX2◅B.`ᔠ>bcde
g7f=>
U᧕WXhi=>2◅C.`ᔠ>bckel
g7f=>
U᧕WXhi=>2◅D.`ᔠ>bcke
U᧕WXf=>
g7ᙠU᧕WX2◅E.ᙠ=>emD
U᧕WXḄn▭2◅4☄ᙠp+ឋ

16ூJᫀ௃:A|C|Eூs᪆௃uPQRSḄᵨ2◅
U᧕WXᵨ2◅Ḅᱯឋv⌕ᨵyz7☢uজ}᝱Ḅ2◅஺S2◅ᙠU᧕+,2◅4☄ḄᜧM
ᐸ2◅☟᝱ḄWRU᧕WXᵨ2◅
ᵫRᔠ>ḄbRᩭ:Ḅ
fcd
fck
ᐹᨵ᩽p+ឋ
ᙠ=>ḄemD
U᧕WXḄn▭2◅4☄ᙠp+ឋ,ᐸ2◅}᝱ᓄḄ஺ঝ2◅ᔣḄ஺WRS,ᵫ7l7hi2◅
¡WR¢£¤ᑶ¦
2◅ᔣḄ஺ᔠ>bcde
U᧕WXf=>
g7ᙠU᧕WX2◅`ᔠ>bckel
g7f=>
U᧕WXhi=>2◅
2◅ᔣḄ஺ফCK¨⚗pªRU᧕WXᵨ2◅Ḅ!"«\]\ᓫ⌱⚪]A.U᧕WXᵨ2◅4☄Ḅ!"B.WU᧕WXᵨ2◅Ḅ+bC.U᧕WXᵨ2◅4☄ᦪ

17D.U᧕WX=>2◅?ᩗ¢ᵨ¯᦮2◅?ᩗ¢Ḅ!"ூJᫀ௃uCூs᪆௃uU᧕WXᵨ2◅Ḅ!"v⌕ᒹ[±²ᑖuজU᧕WXᵨ2◅4☄Ḅ!"ঝWU᧕WXᵨ2◅Ḅ+bঞU᧕WX=>2◅?ᩗ¢ᵨ¯᦮2◅?ᩗ¢Ḅ!"஺!"U᧕WXᵨ2◅?ᩗ¢µ
◤⌕ᐜ¸¹U᧕WXᵨ2◅4☄ᦪ஺বᐵRU᧕WXᵨ2◅
Kᑡ¼8½┯¿Ḅ\
o\ᓫ⌱⚪]A.U᧕WXᵨ2◅ᢣᵫRU᧕WXᙠU᧕ᨬÂÃ6µ=>¡⌼ᡂÅᜫḄ2◅B.U᧕ᡠU᧕Ḅ¢£ᙠU᧕WXᵨ2◅C.È᜜£U᧕ᢣḄᙠU᧕ᡠC᜜ḄÊÈËÌḄ¦£U᧕D.!"U᧕WXᵨ2◅?ᩗ¢µ
◤⌕ᐜ¸¹U᧕WXᵨ2◅4☄ᦪ

18ூJᫀ௃uBூs᪆௃uB⚗
ᵫRU᧕ᡠ¤,U᧕7ᩭḄᩗÍ
ᡠCfCÎcU᧕ᡠU᧕Ḅ¢£pᙠU᧕WXᵨ2◅஺ভU᧕WXᵨ2◅ḄᩭÐᒹ[\]o\^⌱⚪]A.ᑭ᳛ᣵB.CDSC.⌮IÕD.¤ᑶE.ᓽ᜜×ØᓬூJᫀ௃uA|B|C|Dூs᪆௃u

19U᧕WXᵨ2◅v⌕ᩭÐR£U᧕¤ᑶ¦U᧕஺£U᧕v⌕ᒹ[ᑭ᳛ᣵஹ᜜×Ûஹ᜜×ᣵஹUÜÝÞᑭ᳛ᣵஹᵨ=>ßᣚCDSá¤ᑶ¦U᧕v⌕ᒹ[IÕஹ⌮IÕC9¤ᑶá஺মKᑡᐵRU᧕WXᵨ2◅4☄Ḅ!"
⊤H┯¿Ḅ\]஺\ᓫ⌱⚪]A.äåᵨḄ!"U᧕WXᵨ2◅4☄Ḅ78ᨵ2◅4☄8ஹ᪗ç8ᑁ²éê8B.2◅4☄8᪗ç8ᙳ〉ᵨRÈ᜜ᐹU᧕=>2◅4☄Ḅ!"C.ᙠ᪗ç8K
ílîU᧕Ḅ2◅4☄ï᧜ñòᐸóᨵḄ2◅ô½D.WRpõöᑭᵨ᪗ç8
÷øù2◅úûü\ýW2◅4☄8]ḄþÌ
fCÿᵨᑁூᫀ௃Dூ᪆௃

20D⚗ᑭᵨᑁ◅!"◅#☄%Ḅ'()*+ᵨ᪗-஺য0ᑡ234᧕67ᵨ◅8ᳮḄ:;<=Ḅᨵ%஺?⌱⚪%A.ᙠ8ᳮᳮCDE4᧕67ᵨ◅FGHIḄ◅J2*8ᳮB.ᙠ8ᳮL᪀DᡂIOPḄPQR4᧕67ᵨ◅8ᳮSᡂ◅TU8ᳮC.ᙠ8ᳮ6VDᦋX4᧕67ᵨ◅YZ[\]^4᧕67ᵨ◅YZ_`D.ᙠ8ᳮᑴ;bcdefghijkfglᗐ;n4᧕6opqrsᑴE.ᙠtᩭ8ᳮ;237ᵨvwx᦮CVAh┯ᔣ◅Ḅ|}h8ᳮூᫀ௃A|B|C|D|Eூ᪆௃

21k~ᓻ;?'(#☄4᧕67ᵨ◅8ᳮ:☢Ḅ4᧕67ᵨ◅8ᳮḄbcজᙠ8ᳮᳮCDE4᧕67ᵨ◅FGHIḄ◅J2*8ᳮঝᙠ8ᳮL᪀DᡂIOPḄPQR4᧕67ᵨ◅8ᳮSᡂ◅TU8ᳮ;ঞᙠ8ᳮ6VDᦋX4᧕67ᵨ◅YZ[\]^4᧕67ᵨ◅YZ_`টᙠ8ᳮᑴ;bcdefghijkfglᗐ;n4᧕6opqrsᑴঠᙠtᩭ8ᳮ;23CVAh┯ᔣ◅Ḅ|}h8ᳮ஺19._`ᜫᮣ;⌼ᡂqᜫ%¡஺A.7ᵨ◅B.T¢ឋ◅C.¤F◅D.¥¦◅ூᫀ௃Cூ᪆௃

22┐¤F◅Ḅ¡ᒹ©▲«ᑮ*0bᜧ¤F®¯°±ᑁ²³®¯᜜²³®¯µᑴh¶F¦ᡠ¸ᐰ®¯ºᡝஹ½¾h¿¢®¯Àᱥ½ḄÃ7ÄÅᢈ_`®¯᡻(ஹ4ᒘhTU8ᳮ®¯É஺7Ä_`®¯Êᐙᑖὃ⇋;_`ᜫᮣḄÏÐhÑÐᜫ஺20.◅8ᳮPᙠ%Ḅ⚞0QRÓÔlᗐᒹ©◅8ᳮÕÖᑴஹ¶ᐹ:ஹ7Ä_`ÉᙠᑁḄ◅8ᳮØ_஺A.Ù®ÚB.8ÛC.Ü⃩PD.ℏ®Úூᫀ௃Bூ᪆௃◅8ᳮPᙠ8Û✌à◅á%Ḅ⚞0QRÓÔlᗐᒹ©◅8ᳮÕÖᑴஹ¶ᐹ:ஹ7Ä_`ÉᙠᑁḄ◅8ᳮØ_âã]äᔜ⚗◅8ᳮ¶F'(æçḄ◅X(|}ஹYZஹÙèஹéᑴஹêë*ì◅íîḄïðñX'(òᏉÜ⃩ஹᢝõ^ä஺

2321.᪷÷øᖪ'(Âú8ᳮûü(%ýÙ8Pᖪ'(ᐰ☢◅8ᳮ᪾LX(ÿḄ⌕ᨵ
oA.ᐰ☢ஹᙢஹஹஹᑴ◅B.ḄᳮC.ᨵᦔḄℏ#$%&ᳮ'ṓD.ᐰ☢Ḅᑁ*ᑴE.〉,Ḅ-.ஹ/0▲2ூ4ᫀ௃7A|B|C|D|Eூ8᪆௃7ᖪ;<=>,?@Aᐸᑁ*CDᐙFG/0HI⊖KLᔠḄஹNᗐḄᐰ☢◅ᳮ᪾QRST<=ḄUᏉW=ᢝYZ[஺ᐰ☢◅ᳮ᪾Q>,ᒹ^_`⌕7জᨵᦔḄℏ#$%&ᳮ'ṓbঝ〉,Ḅ-.ஹ/0▲2bঞᐰ☢ஹᙢஹஹஹᑴ◅bটḄᳮbঠᐰ☢Ḅᑁ*ᑴ஺22.ᖪ;<=Ḅᑁ*G&hijᙠᵨ◅ᳮḄmn☢Zᢵp⌕qᵨ஺

24A.rsCDLtB.uvwxC.yzᜓ|D.▲2ᳮE.r◅}᦮Ḅᦔὃ᪶ூ4ᫀ௃7A|B|C|D|Eூ8᪆௃7ᖪ;<=ᑁ*G&◅ᦪRᙠᵨ◅ᳮ-.ᑴwஹuᢇஹCDᑖLᳮn☢Zᢵp⌕qᵨ஺ᐸ᪶>ᵨᒹ^7জu-.Ḅᑴwbঝᣴᢇbঞ▲2wbট◅bঠ◅஺ᐸ%&>ᵨᒹ^7জ◅ḄwbঝrsCDḄ?Aᳮbঞuvwxbটᜫzᜓybঠᦔ⊝ὃ᪶bড◅ᳮẠ?஺23.uvᜫzᜓᒹ^■¡zᜓஹ¢⚗zᜓᱯ¥zᜓ஺ᐸ¦R<=>ᢥmy¡zᜓR¡zᜓ¨©ª2>«¬¨©uvª2Ḅl%oA.ᨴ

25B.°C.±¨D.¨ூ4ᫀ௃7Bூ8᪆௃7¡zᜓ²᪷´ᐰ*uvª2Ḅwµ¶yḄᵨ·⊡¹ºḄ»iឋᜫḄzᜓ஺<=>ᢥ°y¡zᜓR¡zᜓ¨©ª2>«¬¨©uvª2Ḅl%o24.½ᐭ¿ឋ²ᖪ;<=À¬¿ឋ◅Ḅ“ᨬᐹ◅”ḄnÅRÆÇᙠR½ᐭC|ᖪ;<=«È«ᙠC|ᡂDmÊËÌÍ⁎Ï⌱Ñ஺A.¿ឋ◅B.»ÒÈឋC.«»ÒឋD.ᨬÓᦈÕ

26ூ4ᫀ௃7Bூ8᪆௃7ᙠÖ×Øq¦RÙÚÛ⏨ᙢÝᑮR½ᐭ¿ឋ²ᖪ;<=À¬¿ឋ◅Ḅ“ᨬᐹ◅”ḄnÅRÇßᖪ;<=ᙠ½ᐭC|R«È«ᙠC|ᡂD»ÒÈឋÊËÌÍ⁎ÏḄ⌱Ñ஺ᖪ;<=àá⌱Ñᙠâã◤⌕C|Ḅ᎛½ᐭC|஺25.`ᑡçᡊᶍ◅¦êᳮ'☢ᑁëḄ²m஺A.ìᐭᡈ⌨ÍïðḄñ.²ᔲា,B.CôᢗCöᔠ¦²ᔲ÷ᙠ%◅ஹ¬ᦈÕḄ|øôùC.²ᔲúûüýþᳮÿᕒḄᢈ⍝D.◅ᳮḄᔲាூ!ᫀ௃$Bூ%᪆௃$'()ᡊᶍ◅,-./012ᡊᶍ3☢ஹ62ᳮ3☢72᡻93☢:;3☢ᐭ=஺ᐸ6)ᙠ62ᳮ3☢)A⚞CDEFG

27H⍳JᖪL9Ḅ᦮NᡊᶍOᑜ)ᨬᜧ▲TᙢVWᢗYᶍஹAZ[\]^_`ᑭbḄc⃩/ᳮfghᙠḄᡊᶍ◅஺i᝞)klℏnoᨬpᳮ3Ḅ◅qrsᑣ)uᔣw⌱yp◅ஹpᦈbḄA){|ᢗY}ᔠ6hᙠp◅ஹᦈbḄ஺AD⚗w12ᡊᶍ3☢Ḅ◅,-;C⚗w72᡻93☢Ḅᡊᶍ◅,-஺26.ᎷᢗYὅᨵ.⌱y))ᦈb᳛5.5%L9ᳮ)ᦈb᳛.8%ஹ6%ஹ5%,ᐸFḄᭆ᳛ᑖ-0.2ஹ0.6ஹ0.2,ᑣᑡᢗYᫀ6ᦔbᨬpḄ()oA.40%ᢗYஹ60%ᢗYL9ᳮB.100%ᢗYC.100%ᢗYL9ᳮD.60%ᢗYஹ40%ᢗYL9ᳮூ!ᫀ௃$Cூ%᪆௃$L9ᳮ⚜`ᦈb᳛$E(R)=plrl+p2r2+p3r3=02X8%+0.6X6%+0.2X5%=6.2%o᪷¢Y}ᔠḄᦈb᳛£¤Rp=WlRl+W2R2$A⚗)ᦈb᳛5.92%B⚗)ᦈb᳛5.5%C⚗)ᦈb᳛

286.2%D⚗,ᦈb᳛5.78%஺27.ᵨF¨©¨᜜«¬®¯ᦈᐭ°±⊝³´`YḄµgឋ)·Ḅ▲T¸¹஺A.60%B.80%C.100%D.120%ூ!ᫀ௃$Cூ%᪆௃$F¨©¨᜜«¬®¯ᦈᐭ°±./ᵨᩭ⊝³´`YḄµgឋ)·Ḅ▲T100%opw»;▲T¼½¾Ḅ´`Yµgឋ¿)ÀÁ◅ÂÃp஺28.ÄᨵAஹBஹC:)ᐸYᦈb᳛ḄÅᐵᦪ᝞⊤ᡠÊ)ᑣ¸¹஺⊤:Yᦈb᳛ḄÅᐵᦪA.BCḄ}ᔠ./ËrḄÌᑮ◅ÎḄÏᵨ

29B.ABḄ}ᔠ./Ërᙢᑖᦣ◅C.ACḄ}ᔠÑÌᑮ◅ᑖᦣḄÏᵨD.BCḄ}ᔠÑËrᙢᑖᦣ◅ூ!ᫀ௃$Aூ%᪆௃$◅Îᢣ'ÓᢗYᡈÕÖ᪗ḄYᦈbØgDÅᐵḄÙYᡈÚÛ)ᩭÜÝ᪗ḄYÞᙠßᜫḄᶍឋ⌱y஺◅ᑖᦣᢣ'Óá᪵ᓄᢗYᑖᦣäå◅Ḅᶍឋ⌱y஺᝞æY}ᔠ6ᔜYhᙠÅᐵឋ)ᑣ◅ᑖᦣḄᦔæoèḼᔜYêḄÅᐵᦪᨵᡠÑë஺ᎷᐸìᩩîÑï)ᔜYêḄÅᐵᦪðñ)◅ᑖᦣᦔæÿÅᐵᦪDñ)◅ᑖᦣᦔæÃr஺29.ᖪL9òóô¸A¹ᡠ☢õḄö⌕◅øùᨵ¸
oA.úû◅B.ᔠO◅C.Ï◅D.ᵨ◅E.üý◅

30ூ!ᫀ௃:A|B|C|D|Eூ%᪆௃$¸A¹þôᢣᖪL9\ÿ᪀
ᵨஹᢈ,ஹஹ!Ḅ#$◤&஺ᖪ)*+,ᡠ☢/Ḅ0⌕2◅45ᨵ78ᵨ2◅ஹ9:2◅ஹ;<2◅ஹ=>2◅ஹᔠ@2◅஺30.BᑡᐵEᖪ)*8ᵨ2◅⚜GHᜫḄ⊤KL┯NḄO
oA.⚜GHᜫO8ᵨ2◅HᜫᑖQḄᦪSGTB.⚜GHᜫU⊤ᜧWXYZᔠᙠ᦮]^_ᕜGᑁḄᨬcHᜫC.⚜GHᜫdEefᭆ᳛ஹefHᜫ᳛ief2◅j☄lὅḄnoD.⚜GHᜫOᖪ)*⚜Gpqr,sḄtᙳHᜫூwᫀ௃7Bூz᪆௃7

31⚜GHᜫOᢣ8ᵨ2◅HᜫᑖQḄᦪSGTLU⊤ᜧWXYᡈ~᧕Zᔠᙠ᦮]^_ᕜGᑁḄtᙳHᜫLOᖪ)*⚜r,sḄHᜫ஺⚜GHᜫdEefᭆ᳛ஹefHᜫ᳛ief2◅j☄lὅḄno஺31.ᖪ)*9:2◅ᑁ5ḄW⌕&ᨵoA.ᵨᔊVaRB.l]ᨴᦪC.8tᵨ99%Ḅᓫ8D.9:ḄᔊGE.ᢝᨵG10]~᧕¡ூwᫀ௃:C|D|Eூz᪆௃7ᖪ)*p¢ᵨ£¤q¥¦᧜ᐸᡠᨵ0⌕2◅Ḅ59:2◅©ª⌕&Lᒹ¬▲E¯-±¯ஹᔊ²ℳᱯᓱ¶d஺ᖪ)*ᙠ]~᧕¡·2◅L¢ᵨᓫஹ99%8Lᔊ¸G!¹ᡈ250]~᧕¡஺ᵨE©ªWḄ·2◅Lᖪ)*¢ᵨḄᢝᨵG10]~᧕¡஺

3232.»ᖪ)*¼½Ḅ©ª40¾ᐗL8ᵨ2◅Àᩗ©100¾ᐗL᪷Ãᖪ)*©ªᐙ᳛ÅᳮÇÈLÉ⌕¢©ªᐙ᳛8%,ᑣ9:2◅©ª⌕&¾ᐗ஺A.8B.16C.24D.32ூwᫀ௃7Dூz᪆௃7᪷©ªᐙ᳛ḄË7©ªᐙ᳛=Í©ªÎ©ªᡷÐ⚗/8ᵨ2◅Àᩗ©+12.5Ô9:2◅©ª⌕&+;<2◅©ª⌕&X100%,pÕ79:2◅©ª⌕&=ÖÍ©ªÎ©ªᡷ◀⚗/©ªᐙ᳛8ᵨ2◅Àᩗ©;<2◅©ª⌕&Ø/12.5=
40/8%-100/12.5=32¾ᐗ஺33.ᔠÙÚÛÜ2◅j☄Ḅ2◅ᱯÝ7ᔜ4ßàáḄ]ÙÚXYLÎᓫâᡝᨬᜧ8Xäåæçᐗ஺

33A.50B.100C.150D.200ூwᫀ௃7Bூz᪆௃7ᔠÙÚÛÜ2◅j☄Oᢣᔜ4ßàáḄ]ÙÚXY஺ᔠÙÚÛÜ2◅j☄èÎᓫâᡝᨬᜧ8Xäåæ100çᐗéê஺34.ᖪ)*©ªḄ<ᵨ0⌕ᨵ஺A.ᔾᦈHᜫB.íà2◅C.▲ᑴ)*¹᡽ðD.)*ñò©E.óᢝ9:8ôூwᫀ௃7A|B|C|D|E

34ூz᪆௃7)*©ªḄ<ᵨ0⌕õöᙠB÷]☢7জ)*ñò©ùঝᔾᦈ²#ᓄHᜫùঞ▲ᑴ¹᡽ð²íà2◅Lý)*þÿḄ
ឋটᢝ஺35.☢ᑖ᪆⌕Ḅ◅ᐸ!ᑴ#$%&'A.(☢B.)*+C.,*+D.-.E./ᳮூ2ᫀ௃5A|B|C|D|Eூ6᪆௃5◅7ᳮᐵ9ᑮᖪ<=Ḅ>,?@ABCDᩩFGH7ᳮIJBKLᨵ7ᳮ◅ḄNO஺᪷QᡃSᖪ<=TUḄVW?X⃩ZB[ᨬ]^Ḅ(☢ஹ)*+ஹ,*

35+ஹ-.?/ᳮa,☢ᩭᑖ᪆◅ᐸ!ᑴ#$஺36.cS<=d7ef⍳hḄijkᑣᒹnoᑡq⚗%&'A.stkᑣB.sukᑣC.ᦔ᳛kᑣD.sxkᑣE.y)kᑣூ2ᫀ௃5A|B|C|Eூ6᪆௃5d7kᑣHzd7={Ḅ|}~B<=dṓ7ᳮ)~,<=dṓ7ᳮ᪀z<=$dṓ7ᳮBef⍳hy)ஹsuஹst?ᦔ᳛⚗ijkᑣ஺37.ᖪ<=ᵨᐗ{ᐗ+Ḅ-ᩭBᢥ᯿SSᑶᑭ᳛>B+ᢥ᯿ᦦ¡¢ᑭ᳛>£¤ᐗ+{¥U¦GḄ+஺ᑣ£<=ᡠ☢¨Ḅ◅Cᒹn&o

36A.ᩗឋ◅B.iª◅C.«¬◅D.᳛◅ூ2ᫀ௃5Cூ6᪆௃5A⚗B£¤ᐗ+{¥U¦GḄ+Bᒹ®ᩗឋᩩBᦑ☢¨ᩗឋ◅B⚗B£ᢥ᯿SSᑶᑭ᳛>B+ᢥ᯿ᦦ¡¢ᑭ᳛>B+Ḅiªᑭ᳛C°Bᦑ☢¨iª◅D⚗B£<=ᵨᐗ{ᐗ+Ḅ-ᩭB+±VC°Bᦑ☢¨᳛◅஺38.◅²³´Hᵫ<=ḄᑁI◅·¸¹ºᩭ»¼B½TU¾¿B´ᵨḄ◅²¹ºᢈÁᨵ&'஺A.Â-ÄÂ)B.ℳᱯᓱȹÉ)C.6ÊËÌ)

37D.ᔊιÉ)E.Ïз¸)ூ2ᫀ௃:A|B|Dூ6᪆௃5TUB´ᵨḄ◅²¹ºᢈÁ⌕ᨵÑV5Â-ÄÂ)ஹᔊιÉ)?ℳᱯᓱȹÉ)஺39.ᖪ<=᪷QÒÓÔÕÖ×ØÙḄᦋÛ#$ᨵ&'஺A.«ÜஹÝÞஹßà?zá◅ᜮãB.Òä-åLæ~¹Bç᦮-åLæÖ᪀C.éê◅ëÊD.ç᦮ìíîᶍ?îᶍE.¥Ï+ðᢇ᪗ªூ2ᫀ௃5A|B|C|D|Eூ6᪆௃5

38ÒÓÔÕÖ×H◅·¸}9Ḅ«⌕ÜᡂIᑖ஺ᖪ<=eÛ=⌕◅ḄÒÓÔÕBÒÓÔÕÖ×{ᔜ◅7ᳮõîḄ«⌕öὃ஺᪷QÒÓÔÕÖ×Bᖪ<=ØÙḄ7ᳮ#$ᒹnøC▲ú5জ«ÜஹÝÞஹßà?zá◅ᜮãঝéê◅ëÊঞ¥Ï+ðᢇ᪗ªটç᦮◅▲þঠ
᦮᪀ᒹᜓஹᶇᦈஹ⊡ᐙឋᜓ!ড᦮#$%&'ᶍ)*'ᶍ஺40.2009,-./01ᡊᶍ3◅Ḅ6ஹ7ஹ83◅9:;<ᑨ᪗?@ᑡBC⚗EFG63◅ḄᱯIJKLA.ᡊᶍN᪗OᜫஹEQRᡈTὃ⇋#$W᛻ḄYᓄB.[ᳮ]^ᡈ_ᨵaEbcd_⚜)Ḅ'ᶍN᪗C.[ᳮfᙠhiᡈj$k'ஹlmn☢Ḅcp⊤_CrD.s#ᦻᓄ)uvᡊᶍN᪗ECwூyᫀ௃|Cூ}᪆௃|C⚗73◅Ḅ<ᑨ᪗?஺

3941.ᐰᳫᓻ}k⌕ឋ᪀KG-SIFIsᩭḄ“ᜧE]᎔”⚪ᡂ▭/[ᦋ☩ḄKLG2011,:;C¡⌕ឋ.¢/[Ḅ[ᳮ£¤஺A.¥)ᳮ¦0B.§¨.¢C.:©ª«¬D.®¯°±ᕒ0ூyᫀ௃|Aூ}᪆௃|¥)ᳮ¦0KFSBG2011,11ᨴ:;C¡⌕ឋ.¢/[Ḅ´µ£¤l¶ᑮG20⚞¹º»0Ḅᢇ?஺42.@ᑡᐵG¾▲ÀḄÁÂÃRḄᨵKL஺A.¾▲ÀÄÅƾ3◅ஹ#$0ÇKᙢÉL⌕ឋÊËÌÍR)B.#$0⊤Îᖪ#.¢ᙠÐÄ]Ḅ#$ÑÒ1ᜧÓC.ÇKᙢÉL⌕ឋÔᢣᖪ#.¢ᙠÖ#$1.¢᦮×%&ᡊᶍஹ

40⃩ᦈḄÒ1⌕ឋD.¾3◅Ù6¾▲ÀÙ8E.Ú¾3◅@#$0Ùᜧ¾▲ÀÙ8ூyᫀ௃|A|B|C|Dூ}᪆௃|E⚗Û)¾▲ÀvᔜḄ#$0ᜧÓᨵᐵÚ¾3◅@#$0Ùᜧ▲ÀÝÒÞ஺ᖪ#.¢ᙠᔜḄ#$0ÔEÚḄÄc᪷ÆᔜGDPஹvᡃáâã᧕Àåᡃ1ÖḄæçᢗÀé⊤ÌÍᩭᑨ)ᐸ#$0஺43.ᔜëḄì⚗᝞îYïᑮKLḄðñ஺A.ᢗòᑜB.òᑜC.ᜓ´'D.ᑭõöE.ᑭõᶇ÷ø

41ூyᫀ௃|A|B|C|D|E44.@ᑡᢣ᪗Ḅòùúû7ÃRḄÔKoA.ᦈ᳛=þÿᦈᐭ/B.ᦈ᳛=ᦈᐭ/C.ᦈ᳛=⃩ᦈᐭ⃩/D.ᑭᦈᐭ᳛=ᑭᦈᐭᑭ/⃩ᦈᐭ⃩ூᫀ௃Cூ᪆௃A⚗"ᦈ᳛ROE=ᦈᐭ/#B⚗"ᦈ᳛
ROA=ᦈᐭ/#D⚗"ᑭᦈᐭ᳛=ᑭᦈᐭᑭ/஺45.ᖪ'()(*◅,"-ὃ⇋*◅ᑖᦣᓄᦔ4"45678ᦪ:";ᦪ:<=>?@⌚BD᦮ḄGHᕜ>஺A.J>#KB.L>#MK

42c.L>#KD.J>#MKூ
ᫀ௃Cூ᪆௃ᖪ'()(*◅,"4Nᐙᑖὃ⇋PQR*◅S*◅TUḄVWXY஺-ὃ⇋*◅ᑖᦣᓄᦔ4"456L>78ᦪ:";ᦪ:<=>?@⌚BKD᦮ḄGHᕜ>஺ᔲᑣ"ᖪ'(4\*◅,]^_Ꮇa)(bcd᦮஺46.eᑡᐵ6hi*◅j☄ᱯmḄn^"opqḄr஺A.strK^tᡈvKwᯠtB.strKᡈvKwᯠtC.yᦪz"ᓫy|D.ᢥ᯿ᔠ])(ᳮூ
ᫀ௃A

43ூ᪆௃hi*◅j☄4ᐹᨵ᝞e]☢ᱯmজstrKᡈvKwᯠt#ঝyᦪz"ᓫy|#ঞᢥ᯿ᔠ])(ᳮ஺47.ᐵ6>dP/dy=—DXP/(l+y),eᑡᔜ⚗ᳮpqḄr()஺A.>L"ᦈḄRᜧB.ḄR>ḄLJᐵC.>QḄD¡p>D.ᦈ᳛ᔣூᫀ௃Aூ᪆௃N£¤ᑭ᳛¥¦ᓄ"ᦈḄ§¥¦¨©ªḄ"ᐸR¬6>ḄLJ">L"ᐸR®¯ᜧ஺>QḄD°ὃᑭ>"¡p>D/(l+y),y⊤²£¤ᑭ᳛஺48.()³6ᖪ'(ᡠ☢µḄ£¤*◅஺

44A.ᖪ'(¶·sḄ¸@ᡈḄ¹,º»¼½⌼ᡂÀᜫᡈẚḄ*◅B.¼_ᖪḄÃÄᖪ'(⊤ᑁஹ⊤᜜ᜮÉ⌼ᡂÀᜫḄ*◅C.Ê᧕Ì]ᙠÎÏÐQ"]ÑÒᔠÓÔ]¥¦ÕÖḄ*◅D.ᵫ6t┯ÙஹÚÛᜫÄᖪ'(⌼ᡂÀᜫḄ*◅ூᫀ௃Bூ᪆௃£¤*◅rᢣ¼_ᖪḄÃÄᖪ'(⊤ᑁᜮÉஹ⊤᜜ᜮÉ⌼ᡂÀᜫḄ*◅஺£¤*◅ᒹÞᑭ᳛*◅ஹß᳛*◅ஹàἠ*◅_ᖪ*◅஺49.â©᳛(NSFR)rᖪ'(ÚឋᳮḄä⌕ᢣ᪗"ᐸçèᵨâᡠ◤Ḅ©ª"᪷:ᡃíî⌕ï"ðᢣ᪗ñòᜧ6()oA.100%B.50%

45C.150%D.75%ூ
ᫀ௃Aூ᪆௃â©᳛çèᵨâᡠ◤âT©"óK©᳛ñòᜧ6100%oâ©᳛ᢣ᪗ᒹôMõᑖᑁöèᵨâ(ASF)_ᡠ◤â(RSF)o50.ᓫ^t÷ᡝV©"Pù^t÷ᡝḄúᵨ*◅ᐹᨵûeüýᱯm()□A.ᑁõᐵὶ᧕⚣B.ᓝᑖC.D.ឋ◅E.◅!"ᳮ$ᜧூ
ᫀ௃(A|B|C|D

46ூ+᪆௃(-ᓫ/012ᡝ45678012ᡝḄ:ᵨ◅ᐹᨵ>?@ᱯB(জᑁEᐵὶ᧕⚣HঝᓝᑖHঞHটឋ◅Hঠ◅M"ᳮ$ᜧ஺51.ᖪQRSTᵨḄUVᑖ᪆W0X⌕Z[\]Ḅᑖ᪆஺^_A.`a◅Ḅbc⚣᳛H`a◅Ḅefg$B.ᑁE`a◅hᜫᦪkH᜜EᦪkC.Qm⃩᛻H᜜EᦪkD.Qm⃩᛻HᑁEpᑴrsூtᫀ௃(Bூ+᪆௃(ᖪQRSuvTᵨUឋ-UV4wᔠḄW0ᩭz{`a◅஺Uឋᑖ᪆◤⌕}☠ᨵmḄ◅"ᳮ]`a◅Ḅbc⚣᳛efg$z{HUVᑖ᪆W0ᑣX⌕[\]ᑁE`a◅hᜫᦪk᜜

47EᦪkSᑖ᪆஺52.ᵫ\1rr0ᢥᨵᔠ6ᖪQRSU]ᐸᨵᜐᳮ6ᖪQRSḄ`a\^oA.B.C.ᢇD.¡ᑶᓄூtᫀ௃(Aூ+᪆௃(Z¤1rr0ᢥᨵᔠ¥/6ᖪQRS¦§¨©2ᡝª◅«¬Ḅhᜫ6]ᨵw᪀^▲ஹ±²ஹᑭ᳛ஹ´ᵨஹµ_S¶᦮ஹ¸¹᣸ஹ¸»Ḅ¼g஺53.½¾¿ÀᑴᒹÂ^oA.Ã"À᪀]RSQ±ÄÀ᪀ᡠÆ☄Ḅ:ÈSz{B.ÉᗐḄ:ÈÆ☄ᑴ$C.ËÌḄ½¾᛻

48D.ᏉᐰḄÏÐÀ᪀"ᳮ¿E.ᨵᦔḄ½¾⌨ÓÔூtᫀ௃:A|B|C|D|Eூ+᪆௃(½¾¿Àᑴ◤⌕/ᑡÖᝅᑴ$ØÙ6ᒹÂÉᗐḄ:ÈÆ☄ᑴ$ஹᏉᐰḄÏÐÀ᪀"ᳮ¿ஹËÌḄ½¾᛻ᨵᦔḄ½¾⌨ÓÔ6ÚÃ"À᪀]RSQ±ÄÀ᪀ᡠÆ☄Ḅ:ÈSz{µ஺54.>ᑡ◅ÛÜÝÞᖪQRS⌼ᡂm⃩á6âã¬ᖪQRSẚḄåæruvZ^
oA.çèឋ◅B.`a◅C.ᡊᶍ◅D.:ᵨ◅ூtᫀ௃(A

49ூ+᪆௃(çèឋ◅ZRSᡠᨵ◅ÏᨬᐹẚìíḄ◅஺îïᡠᨵ᥃ñRSḄ◅ÛZçèឋ◅ᰦbᩭ¦RSóôõöḄ஺çèឋ◅÷øRS◅ÏḄ“úwὅ”஺55.>ᑡᐵ\ᖪQRS½¾◅"ᳮ»᪾þḄ⊤
Ḅ()oA.ᒹℏஹᳮᐵB.ℏᑴஹ᡻"#$%◅ᳮḄ'(ஹ)*+,ᐹ.Ḅ/01)C.ᳮ234#$%◅ᳮ567Ḅᨬ9:D.23%◅Ḅ;<=⃩?+@A#$%◅ᳮḄூCᫀ௃FAூG᪆௃FB⚗ᳮᑴஹ᡻"#$%◅ᳮḄ'(ஹ)*+,ᐹ.Ḅ/01)JC⚗ℏ234#$%◅ᳮ5

5067Ḅᨬ9:JD⚗#$%◅ᳮḄKLMNO23%◅Ḅ;<=⃩Pᢝ4RS஺56.VᑡX.Yᖪ;["%◅ᳮM\RSឋḄ^_஺A.%◅ᳮᐹᜓabḄMᩗஹde+,Oℏf"ghijḄk⍝B.mnRSḄ%◅ᳮC.%◅ᳮopO;<ᩩrᦈᐭᢞvD.%◅ᳮ+RSw;<Ḅxyzrghᔣℏxy;<Ḅ%◅|}ூCᫀ௃FCூG᪆௃FC⚗4w7ᑴM\Ḅᕒ^᝞%◅ஹᔠ1,ᑁ_opᑴKRSwᐸᡠṓḄ;<ᩩr᜜ᦔᢣ᪗K⌕w᪗Ḅ5YḄRSឋ஺57.ᡃᖪ;["Ḅ᪶dᒹ^_஺A.5ᦈd

51B.¡¢£¤C.¥%◅¦ᜓD.§¨ᑶூCᫀ௃FDூG᪆௃F᪶dᢣᙠ["ᢝ«=⃩ᩩ¬Vᩩ¬ᵨᩭᔾᦈ±ᜫḄdᐹᐹᨵ´µឋஹ¶·¸*᣸ᙠᡠᨵᐸºdᐹ»Ḅᱯ½஺᪶d⌕ᒹ+V¾⚗F5ᦈdᡈÀjÁஹd£¤ஹ¡¢£¤ஹ¥%◅¦ᜓஹXᑖÃᑭÅஹÆᦪÁÈd?ᐭᑖ஺58.Vᑡᔜ⚗
Êwᖪ;["Ëᵨ%◅Ḅᨵ^
oA.¨

52ூCᫀ௃FA|DூG᪆௃FËᵨ%◅ᢣ¨<ßᡈà᧕4âX\ã"ᔠ@1Ḅä<ᡈËᵨåæÙÚÝᓄϺÐèÑéêëì¨ᩗßᡈϺÐèᢝᨵß⌼ᡂ=í±ᜫḄ%◅஺0îïᱯðḄËᵨ%◅Ö×%◅ᢣà᧕ñòᙠÖ×Ø)
òóôõᔠ@dÏö÷òÙÚøùḄ%◅஺B⚗Êw#$%◅JC⚗Êw/0%◅JE⚗Êwú%◅஺59.VᑡᐵwûᡝýḄþÿ
Ḅ஺A.ᖪB.᪗ᡝ◅C.ᵨᭆ᳛D.ᑁ#ᡝ$ᱯ&'⚗)ᜫḄᜧ,ூ.ᫀ௃1Dூ2᪆௃1ᡝᖪ4ᡝ5'675'89Ḅ:;<᧜

53ᡝ◅Ḅᜧ,஺ᡝḄᖪ᪗ᡝ◅ᵨᭆ᳛
PDD⚗'⚗O4>᧕@AḄᱯ&◅B:;<᧜ᡝ$C:Ḅ'⚗)ᜫᜧ,஺60.EᖪᵨᓱGHIJKLḄMNO⊤ᑁQRST50Uᐗ⊤᜜XYᵨḄᵨᓱᣴT[200Uᐗ஺Ꮇ]4^Ḅ⊤ᑁ◅ᩗ`75%,⊤᜜◅aᣚcᦪ20%஺ᑣfᖪ:;Ḅᵨᓱ◅gᩗhi;ᨬk6ḄUᐗ஺A.40B.90C.30D.67.5ூ.ᫀ௃1Dூ2᪆௃1ᩗ`lmᵨ◅gᩗhinoᡝ⊤ᑁhiᵨ◅gᩗhip⊤᜜⚗ᵨ◅gᩗhiq஺ᙠ:;ᔜO⊤ᑁhiḄ◅gᩗhit^f✌ᐜwhio☢yzᡷ◀}^Ḅ~yᜓᯠ$

54ᔜḄ◅ᩗ`஺ᙠ:;ᔜO⊤᜜⚗Ḅ◅gᩗhiḄt᎛^f⊤᜜⚗TᵨaᣚcᦪᑮyḄ⊤ᑁhiᢥ⊤ᑁhiḄᜐᳮ:;◅gᩗhi஺fᖪ:;Ḅᵨᓱ◅gᩗhi;ᨬk6Ḅ50X75%+200X20%X75%=67.5Uᐗ஺