First, since the listing, the corporate governance mechanism of modern commercial banks has been established, and the heavy debt burden has been shaken off. From the brink of bankruptcy to the restoration of business vitality, it has achieved a gorgeous turn and light management, laying a solid foundation for the rapid development of ABC in the past decade.
Total assets increased from 6.05 trillion yuan before listing to 65,438+09.57 trillion yuan at the end of 2065,438+06, an increase of more than three times; The total deposits and loans increased from 52,800 yuan and 3.48 trillion yuan to 65,438+05.04 trillion yuan and 9.72 trillion yuan at the end of 2065,438+06, respectively, increasing by 65,438+084.84% and 65,438+079.31%respectively. ; The operating profit increased from 9,665,438+32 million yuan to 201840.6 million yuan at the end of June, an increase of more than two times.
Second, it occupies the most extensive position in urban and rural financial management, and it is the most influential financial institution in China, both in terms of the number of outlets and the service fields involved.
(1) The service network system and e-banking channels cover most urban and rural areas in China, and the number of branches is the largest among all kinds of commercial banks in China. By the end of 20 16, there were 23,682 domestic branches of ABC, especially in economically developed areas, including 2,555 branches in the Pearl River Delta, 3 125 branches in the Yangtze River Delta and 3,398 branches around the Bohai Sea. By the end of 20 16, the total number of online financial customers reached 7 1 1 billion; In the whole year, the number of financial transactions in electronic channels reached 365.438+46.6 million, accounting for 96.0%; There are 52,400 self-service terminals and 29,800 self-service cash terminals/kloc-0.
(2) Rich customer resources provide unlimited prospects for business development. By the end of 20 16, ABC had about 3,798,500 corporate customers, including 63,000 lenders. There are 65,438+0,594,000 active cash management customers and 4,765,438+0,290 corporate RMB settlement accounts; The scale of individual customer groups is relatively large, with the balance of personal loans of Agricultural Bank of China being 3,340.879 billion yuan, the cumulative number of debit cards issued by Agricultural Bank of China being 880 million, and the cumulative number of credit cards being 68.63 million.
(3) It is a relatively stable and low-cost source of funds brought by a large customer base. At the end of 20 16, the total deposits of the Agricultural Bank of China were150,380.010.00 million yuan, of which personal deposits accounted for 58.6% and demand deposits accounted for 55.9%. The deposit interest rate of Agricultural Bank is only 1.47%, which is second only to China Merchants Bank because of its low cost advantage.
(four) is a strong comprehensive management service ability, that is, diversification, integration, internationalization and other service functions. By the end of 20 16, the balance of non-restructuring bond investment of ABC reached 4,789.697 billion yuan, which was in a leading position in the same industry. The scale of assets under custody reached 9003.902 billion yuan, including 9003.902 billion yuan for insurance assets and163165438+96 million yuan for wealth management products. At the same time, the assets of the four subsidiaries, namely investment bank, fund, insurance and leasing, totaled 65,438+0,486,5438+0.37 billion yuan, and the annual net profit increased by 48.97% compared with the previous year. The international settlement volume of domestic branches was US$ 873.96 billion, and the total assets of overseas branches and holding institutions were US$ 1 093.06 billion.
Third, in the urban-rural commercial competition, it has continuously expanded its territory and created a new commercial world, which has provided strong financial support for rural development, rural opening up and rural development and has become an important financial force to support China's rural economic development.
As of 20 16, 12 and 3 1, the total loans and deposits in county areas were 3 178345 billion yuan and 64.21067 billion yuan respectively. This is unmatched by any other financial institution in China in supporting agriculture. Moreover, a special agriculture-related financial department was established in advance, specializing in "three rural" credit services, which set an example for other financial institutions to support agriculture and played a strong demonstration effect.