The Agricultural Bank of China will have a good development trend in the next five years and continue to develop agriculture, rural areas and farmers, which means agriculture, rural areas and farmers.

1. Highlight the positioning of "agriculture, rural areas and farmers" and make urban and rural areas advance hand in hand. Agricultural Bank of China's retail credit business has developed simultaneously in both urban and rural markets, helping to optimize the bank's credit structure, enhance economic benefits and contributions, and consolidate its good image as a leading bank in county-level retail credit. The Agricultural Bank of China has highlighted its positioning on "agriculture, rural areas and farmers" and further promoted financial services for rural revitalization. The balance of county loans has exceeded 6 trillion yuan, an increase of 15% from the beginning of the year, and the growth rate is 3.51 percentage points higher than the bank's loans; agricultural loans and rural industry loans The growth rate continues to be higher than the average growth rate of the entire bank. Agricultural Bank of China's retail credit business focuses on the three major areas of "housing, consumption, and business operations" and advances simultaneously in the urban and rural markets. With the help of complete financial channels and a team of professional talents, it strengthens active marketing, wholesale marketing and scene marketing, and continues to grow bigger and bigger. With strong retail credit business, the scale of retail credit customers has grown rapidly for many consecutive years, and the competitiveness and comprehensive contribution of retail credit have been significantly enhanced.

2. Online operations are more eye-catching and customer service is more considerate. Retail operations are open to thousands of households, with wide coverage and a large number of customers. Small-scale and decentralized are distinctive features. Online operations are increasingly becoming the main channel. Agricultural Bank of China adheres to innovation leadership and technology empowerment to stimulate new momentum for business development. We should regard innovation as the first driving force for development, seize the development opportunities of financial technology, accelerate digital transformation, and strive to improve online operation and management capabilities. Agricultural Bank of China’s retail credit business has accelerated its digital transformation and implemented an online retail credit product line through technology empowerment.

3. Better asset quality and sustainable development of the new pattern. Since the second half of 2021, the domestic economy has continued to stabilize and recover. Agricultural Bank of China has adhered to the general tone of seeking progress while maintaining stability, continued to improve the quality and efficiency of serving the real economy, continuously increased the intensity of financial services for "agriculture, rural areas and farmers", adhered to the bottom line of compliance risks, and strived to Promote high-quality and sustainable development of various businesses. Agricultural Bank of China continues to consolidate the basic management of its retail credit business, and does a solid job in risk prevention and control in key areas. The risk control system and system construction are becoming increasingly mature. While the business scale is "stepping up", it is also ensuring that it is "steady and stable." Agricultural Bank of China continues to deepen the reform of its credit management system and mechanisms, promotes the implementation of credit risk management throughout the system, continues to optimize and integrate credit systems, processes, and systems, and continuously improves its full-process closed-loop risk management capabilities.

Agricultural Bank of China deeply implements the "customer-centered" business philosophy and is committed to becoming the bank of choice for customers. We always regard continuously meeting the growing needs of customers for financial services as the starting point and goal of our operations, accelerate the innovation of financial products and services, and strive to provide more convenient and efficient financial services. Accelerate the optimization of business processes, continuously improve customer experience, further improve the inclusiveness and availability of financial services, and win the support and trust of customers with practical actions.