Contents
 
Financial Highlights 02
Governor’s Message 04
Corporate Governance 14
Strategy and Operational Restructuring Initiatives 20
Business Activities 28
Risk Management 50
Information System 60
Human Resources 66
Financial Statements 74
Organization Structure 148

Box 1：CDB’s contribution to the capital market development in China 45
Box 2：Building the credit culture in China 49
Box 3：CDB’s community contribution---Poverty alleviation 73
  
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