Both are state-owned commercial banks, with the largest number of outlets in China. The differences are as follows:

1. At present, ICBC has better business coverage and profitability than ABC.

2. ABC has more outlets in small counties than ICBC.

3. In terms of personal business, the handling fee of ABC is lower than that of ICBC.

From other angles:

1 Literally: ABC serves agriculture and ICBC serves industry and commerce.

Business understanding: There are three main types of loans for ICBC: project loans, housing loans and working capital loans. At the same time, according to the different needs of enterprises, it can provide financing services such as syndicated loans, M&A loans, BOT project financing, export credit, structured financing, trade financing, revolving loans, sub-loans and entrusted loans. Among them, in the comprehensive financing business of scientific and technological innovation enterprises, ICBC will give priority to granting scientific and technological loans and technological transformation loans to enterprises that meet the following conditions.

(1) State-owned enterprises' technological innovation, technological progress, technological research and development, transformation and application of scientific and technological achievements, industrial upgrading and other projects.

(2) transformation and technological transformation projects of high-tech achievements such as communication, information industry, biology, medicine industry and new materials that have market development prospects, high technology content and good economic benefits.

(3) Increase loan support for scientific and technological projects that can provide legal and effective guarantees. The business of China Agricultural Bank is market-oriented, with corporate as the main body, providing banking services integrating local and foreign currencies; The business involves comprehensive and systematic work such as customer survey, customer development, product development, credit evaluation, bank-enterprise cooperation, customer management and tracking service. While upgrading its traditional business, ABC adapts its business to the individual needs of its customers, provides financial consultants and wealth management services to high-quality customers, and actively develops financial innovative products such as accounts receivable transactions, syndicated loans, revolving loans and fund guarantees.

Five state-owned commercial banks: China Industrial and Commercial Bank, China Bank, Agricultural Bank, China Construction Bank and Bank of Communications. Four banks became joint venture banks because their foreign equity ratio was close to the upper limit of 25%: Industrial and Commercial Bank of China, China Construction Bank, Bank of Communications and Bank of China. Industrial and Commercial Bank of China, China Construction Bank and Agricultural Bank are the five largest state-owned commercial banks in China. Rural credit cooperatives have been renamed as rural commercial banks and belong to regional banks. In terms of business, the homogenization of the five major businesses is actually very serious. Now the five major businesses basically occupy almost all businesses in first-and second-tier cities. Snatching customer capital has gradually changed from products to services. Among them, ICBC continues to develop overseas business and domestic business, and its business is relatively comprehensive. CCB has always been mainly engaged in infrastructure business, and many of us have opened housing provident fund accounts in CCB. As for the Agricultural Bank of China, in addition to being concentrated in first-and second-tier cities, you can still see many figures in many small prefecture-level cities. As for the rural credit bank, needless to say, it is still difficult to find its business outlets in first-and second-tier cities, but it is still doing well in towns and villages. From the perspective of e-banking module, modern banks pay more attention to its development, especially the five major banks. Basically, the second generation hardware encryption has been adopted. Compared with the first generation, it has higher security and can effectively prevent remittance information from being tampered with. You can see the remittance information through the hardware encryption key on the screen. Safer than the first generation.