Hello, in 2005, the total assets of China's commercial banks reached 30 trillion yuan, and the market share of the four state-owned commercial banks accounted for 55%. In 2005, China's state-owned commercial banks developed steadily, and the total assets of the four major state-owned commercial banks increased from 16,932.05 billion yuan.
to 19,153.22 billion yuan, an increase of 13.1%, and total assets accounted for 53.3% of banking financial institutions.
Various liabilities increased from 16.21462 billion yuan to 18.36952 billion yuan, an increase of 13.3%, accounting for 53.3% of banking financial institutions.
As of December 31, 2005, China Construction Bank's total assets reached 4,585.742 billion yuan. Bank of China is China's third largest bank, with total assets of 4,740 billion yuan at the end of 2005. Industrial and Commercial Bank of China is China's largest commercial bank by assets, with total assets in 2005.
Reaching 6.4 trillion yuan, as of the end of 2005, the total assets of Agricultural Bank of China reached 4,771.019 billion yuan. Bank of China's banking business covers traditional commercial banking, investment banking and insurance business areas, and provides comprehensive and comprehensive services to individual customers and corporate customers around the world.
Excellent financial services.
Bank of China is mainly engaged in commercial banking business, including corporate, retail and financial institution businesses.
The retail business mainly targets the financial needs of individual customers and provides a full set of services based on bank cards.
The financial institution business provides comprehensive services such as international exchange, fund clearing, interbank lending and custody to other banks, securities companies and insurance companies around the world.
Currently, it still occupies a leading position in the fields of foreign exchange deposits and loans, international settlement, foreign exchange funds and trade finance.
According to the 2003 ranking by the British "The Banker" in terms of core capital, Bank of China ranked fifteenth in the world, ranking first in China's banking industry, and the bank with the most abundant capital in China.
China Construction Bank China Construction Bank has advantages in traditional business fields such as capital construction loans, working capital loans, real estate finance, engineering cost consulting, project financing, trade financing, investment consulting, and financial consulting. At the same time, it has developed new marketing channels and has successively opened agencies.
It provides intermediary services such as security, guarantee, consulting and fund custody, and uses information technology to develop new products such as bank cards and online banking.
The product categories have developed from deposits, loans and settlements in the past to currently more than ten categories and hundreds of varieties, including bank card products, electronic banking products, agency business products, and capital products.
CCB's products and services continue to transcend traditional business and service areas, and expand into newer areas with the help of technology and network advantages.
Industrial and Commercial Bank of China Industrial and Commercial Bank of China has the largest customer base in China, with approximately 100 million individual customers and 8.1 million legal person accounts.
At the end of 2003, the balance of personal consumption loans reached 407.5 billion yuan, and the personal housing loan market share ranked first in the country; the number of Peony cards issued was 95.95 million, and the consumption amount was 97.3 billion yuan. In 2003, the cumulative bill transactions reached 1,677.1 billion yuan; the RMB settlement market share reached
45%, and its clearing share in the securities and futures markets remains above 50%; ICBC is also the largest asset custody bank in China, with 28 funds under custody and total assets under custody of 58.1 billion yuan.
Industrial and Commercial Bank of China has the most advanced technological level in China.
On the basis of the large-scale data centralization project, ICBC successfully put into production a full-function banking (NOVA) system in 2003, coupled with a data warehouse that provides a technical basis for personalized services, which together form an internationally advanced level of financial information technology.
The platform provides a strong driving force for the progress of business and management.
The business scope of ICBC includes: handling RMB deposits, loans and consumer credit, resident savings, various settlements, issuing and agency issuance of securities, acting as an agent for various businesses entrusted by other banks, handling foreign exchange deposits, loans, remittances, import and export
Trade and non-trade settlement, foreign currency and foreign currency bill exchange, foreign exchange guarantee and witness, overseas foreign exchange borrowing, foreign currency bill discount, issuance and agency issuance of foreign currency securities, agency spot and forward foreign exchange transactions, credit investigation and consulting services,
Handle buyer's credit, on-lending of loans from international financial organizations and foreign governments, and businesses approved by the China Banking Regulatory Commission in accordance with relevant laws, administrative regulations and other regulations. Agricultural Bank of China currently has branches throughout China's urban and rural areas, becoming a domestic branch
It is the largest state-owned commercial bank with the largest number of banks and the widest business scope.
The business field has developed from the initial rural credit and settlement business to a complete range of products, a combination of local and foreign currencies, and the ability to handle various international and domestic financial businesses.
Currently it mainly includes: (1) RMB business.
Absorb deposits from the public; issue short-term, medium-term and long-term loans; handle domestic and foreign settlements; handle bill discounts; issue financial bonds; issue, redeem and underwrite government bonds as an agent; buy and sell government bonds; engage in inter-bank lending; buy and sell foreign exchange as an agency; provide
Letter of credit services and guarantees; agency for collection and payment and agency for insurance, etc.
(2) Foreign exchange business.