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The operating advantages of Agricultural Bank of China:

Significantly benefit from the coordinated development of China's urban and rural economy in the future

The Bank has a leading position in urban areas and will This position is further strengthened by its extensive sales network and customer base. As of December 31, 2016, the Bank's total loans and total deposits in urban areas were RMB6,541.294 billion and RMB8,616.934 billion respectively.

The Bank is the most important financial service provider and leader in China's rapidly developing vast county areas. As of December 31, 2016, the Bank's total loans and total deposits in county areas were RMB3,178.345 billion and RMB6,421.067 billion respectively.

The organic combination of a nationwide network system and electronic banking channels

The Bank has a nationwide operating network and ranks first among large commercial banks in terms of number of branches. As of December 31, 2016, the Bank had 23,682 domestic branches.

The Bank also maintains a high branch penetration rate in economically developed regions. As of December 31, 2016, the Bank had 3,125 branches in the Yangtze River Delta, 2,555 branches in the Pearl River Delta and the Bohai Rim region respectively. 3,398 branches.

As of the end of 2016, the total number of online financial customers of various types reached 711 million; the number of financial transactions through electronic channels throughout the year reached 31.466 billion, accounting for 96.0% of financial transactions through electronic channels; self-service cash terminals 129,800 units and 52,400 self-service terminals.

Large, diversified and potential customer base

As of December 31, 2016, the Bank had approximately 3,798,500 corporate customers, of which approximately 63,000 had loan balances It has approximately 4.7129 million corporate RMB settlement accounts and 1.594 million active cash management customers.

The Bank has the largest individual customer base in China. As of December 31, 2016, the Bank's personal loan balance was RMB3,340.879 billion. As of the end of 2016, the Bank had issued a total of 880 million debit cards and 68.63 million credit cards.

A strong deposit base brings stable, low-cost funding sources

As of December 31, 2016, the Bank’s total deposits were RMB 15,038.001 billion.

As of December 31, 2016, the Bank’s personal deposits accounted for 58.6%. The deposit structure, which is dominated by personal deposits, has enabled the Bank to obtain a steadily growing source of funds.

As of December 31, 2016, the Bank’s demand deposits accounted for 55.9%. The deposit structure, which mainly consists of demand deposits, enables the Bank to maintain a leading advantage in deposit costs among its peers.

In 2016, the bank’s deposit interest rate was 1.47%, maintaining the low-cost advantage of deposits among large domestic commercial banks.

Diversified, comprehensive and international financial service capabilities

Excellent investment management capabilities. As of December 31, 2016, the Bank's non-restructuring bond investment balance reached RMB 4,789.697 billion, and the Bank maintained its leading position in the market-making business of the inter-bank bond market.

Comprehensive asset management capabilities. As of December 31, 2016, the Bank's assets under custody reached RMB9,003.902 billion, of which insurance asset custody was RMB2,835.035 billion; the balance of wealth management products was RMB1,631.196 billion.

Reference materials

Agricultural Bank of China