Agricultural bank loan conditions
1 China citizens who have a fixed residence in China and a fixed residence in local towns and have full capacity for civil conduct;
2. Have a legitimate and stable income and the ability to repay the principal and interest of the loan on schedule; Law-abiding, no illegal acts and bad credit records;
3. Open a personal settlement account in a loan bank (it is agreed that the loan bank will deduct the loan principal and interest from the personal settlement account designated by it);
4. Other conditions stipulated separately by banks.
Company size of Agricultural Bank of China
Through 24,064 branches, 30,089 ATMs and 65,438+065,438+0765,438+0 overseas correspondent banks all over the world, China Agricultural Bank provides convenient, efficient and high-quality financial services to more than 350 million customers worldwide with the most extensive network system and leading information technology advantages.
There are 2,346 domestic branches of Agricultural Bank of China, including the Head Office, 32 tier-one branches, 5 directly affiliated branches, 3 16 tier-two branches, 3,479 tier-one branches,19,573 grass-roots business institutions and 55 other institutions. Overseas branches include 3 overseas branches and 4 overseas representative offices. The main holding subsidiaries include 6 domestic holding subsidiaries and 3 overseas holding subsidiaries.
Mainland China
At the end of 20 10, the total assets exceeded 10 trillion yuan and 201.68 trillion yuan, accounting for 1 1.3% of the total assets of China's banking industry. It is one of the largest listed commercial banks in China. 20 1 1 At the end of the year, all kinds of deposits reached 9.62 trillion yuan, all kinds of loans were about 5.63 trillion yuan, the capital adequacy ratio was 1 1.94%, and the core capital adequacy ratio was 9.75%, all of which were at a high level. 20 1 1 At the end of the year, the NPL ratios were respectively. The annual report of the Agricultural Bank of China also shows that its intermediary business has developed the fastest, and the net fee and commission income for the whole year is about 46128 million yuan, an increase of about148.8 million yuan over the previous year, with an increase of more than 30%. If the fee income from the disposal of non-performing assets of the Ministry of Finance is excluded, the growth rate can be further increased to 42.8%, including electronic banking, credit cards, investment banks and agency insurance.
In 20 10 year, ABC realized an operating income of 29041800 million yuan, a year-on-year increase of 30.7%; The net profit is about 94.907 billion yuan, and the profit growth rate is about 46%. 20 1 1 The annual operating income is 37773 1 billion yuan, up by 30. 1% year-on-year, and the net profit is about 122 billion yuan, up by 28.5% year-on-year. The profit growth rate ranks first among the four major banks.
All core indicators have reached the leading level of domestic financial industry, and Moody's long-term deposit rating/outlook is A 1/ stable.
Overseas development
Agricultural Bank of China has formulated a medium-and long-term development strategy. Based on local and global operations? Formulate overseas development plans and actively lay out major international financial centers. In the next step, ABC will continue to base itself on China, firmly grasp the internationalization of RMB, corporate customers and financial assets, and lay out international institutions in a focused and step-by-step manner. In addition, ABC has successively become partners with Credit Agricole, Citibank, Hang Seng Bank, Standard Chartered Bank and Bank of Montreal, and cooperated in the fields of international payment of global bill of exchange business and RMB settlement of cross-border trade, thus building a global commodity futures trading team and becoming the mainstream force in this international market; Through five to 10 years' efforts, China Agricultural Bank will be built into an international large-scale commercial bank with branches covering major global financial markets, 24-hour foreign exchange fund operation and global foreign exchange transnational settlement capacity.
China and Hong Kong (Hong Kong Branch, Agricultural Bank International Holdings Limited, Agricultural Bank International Finance Limited)
Singapore (Singapore Branch)
Agricultural Bank of China
Agricultural Bank of China
UK (Agricultural Bank of China UK Limited)
Japan (Tokyo Branch)
USA (new york Branch)
Korea (Seoul Branch)
United Arab Emirates (Dubai Branch)
Germany (Frankfurt Branch)
Australia (Sydney Representative Office)
Canada (Vancouver Representative Office)
Vietnam (Hanoi Representative Office)
Business scope of Agricultural Bank of China
banking
Agricultural Bank of China has branches all over the country, becoming a large modern commercial bank with the largest number of branches and the widest business scope in China. The business scope of Agricultural Bank of China has developed from the initial agricultural credit and settlement business to a complete range, combining local and foreign currencies, which can handle all kinds of financial services prevailing at home and abroad, mainly including: deposit service/comprehensive loan service/foreign exchange financing/RMB financing/overseas financing on behalf of customers/bank card/remittance settlement/safe deposit box rental payment service/overseas financial service/electronic banking service/private banking/financing business/domestic. At the same time, it also provides a variety of corporate banking and retail banking products and services, and conducts self-operated and agency fund business, covering investment banking, fund management, financial leasing, life insurance and other fields.
Rmb business
Absorb public deposits; Issue short-,medium-and long-term loans; Handle domestic and international settlement; Handle bill discount; Issuing financial bonds; Acting as an agent to issue, honor and underwrite government bonds; Buying and selling government bonds; Engage in interbank lending; Buying and selling, acting as an agent to buy and sell foreign exchange; Providing letter of credit services and guarantees; Agency payment and insurance agency business, etc.
foreign exchange business
Foreign exchange deposits; Foreign exchange loans; Foreign exchange remittance; Foreign currency exchange; International settlement; Acceptance and discount of foreign exchange bills; Foreign exchange loans; Foreign exchange guarantee; Settlement and sale of foreign exchange; Issuing and acting as an agent to issue foreign currency securities other than stocks; Buying and selling foreign currency securities other than stocks and acting as an agent; Conduct foreign exchange transactions on behalf of customers; Credit investigation, consultation and witness business.