What is the development trend of the Agricultural Bank of China?

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

1. Highlight the positioning of "three rural", and urban and rural areas go hand in hand. ABC's retail credit business has made efforts in both urban and rural markets, helping to optimize the bank's credit structure, enhance economic benefits and contributions, and consolidate the good image of a leading retail credit bank at the county level. ABC highlighted its positioning as the "Three Rurals" and deepened the rural revitalization of financial services, with the balance of county-level loans exceeding 6 trillion yuan, an increase of 15% over the beginning of the year, and the growth rate was one percentage point higher than that of the whole bank's loans. The growth rate of agricultural loans and rural industry loans continued to be higher than the average growth rate of the whole bank.

ABC's retail credit business focuses on the three major areas of "housing, consumption and operation", and goes hand in hand in the two major markets of urban and rural areas, with the help of perfect financial channels and professional talent team, strengthens active marketing, wholesale marketing and scenario marketing, and continuously expands and strengthens the retail credit business, the scale of retail credit customers has grown rapidly for many years, and the competitiveness and comprehensive contribution of retail credit have been significantly enhanced.

2. Online operation is more eye-catching, and customer service is more intimate. Retail operations are oriented to thousands of households, with wide coverage, a large number of customers, small amounts, and decentralization are notable characteristics, and online operations are increasingly becoming the main channels. ABC adheres to innovation-led and technology-enabled to stimulate new momentum for business development.

Taking innovation as the primary driving force for development, we will seize the opportunities of fintech development, accelerate digital transformation, and strive to improve online operation and management capabilities. ABC's retail credit business accelerates the pace of digital transformation and realizes an online retail credit product line through technology empowerment.

3. Better asset quality and a new pattern of sustainable development. Since the second half of 2021, the domestic economy has continued to stabilize and rebound, ABC 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 financial services for the "Three Rural Areas", adhered to the bottom line of compliance risks, and strived to promote the high-quality and sustainable development of various businesses. ABC continued to consolidate the basic management of retail credit business, did a solid job in risk prevention and control in key areas, and matured its risk control system and system construction.

ABC continued to deepen the reform of its credit management system and mechanism, promoted the implementation of credit risk management throughout the system, continuously optimized and integrated the credit system, process and system, and continuously improved its ability to manage the whole process of risk closed-loop.

Extended Materials. ABC deeply practices the business philosophy of "customer-centric" and is committed to building a customer-preferred bank. We will always take continuously meeting the growing financial service needs of customers as the starting point and foothold of our business, 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.

As one of the four major state-owned banks, the strength of ABC is absolutely certain. With the state's policy support and capital investment in the western region, the western region will rise rapidly, and before this is the first financial service system to keep up, so the Agricultural Bank will be the first to profit from it, and the first to profit will be the first to have a stable and huge customer base, and there will be more funds to improve their service system, so the development potential of the Agricultural Bank is very large. Personally, I think that ABC will surpass ICBC to become the largest bank in China, and there is still a long way to go abroad.

Steady growth, much better than before, ABC.

It is proposed that a lot of things that are convenient for the people should be more promising.

The Agricultural Bank of China is the first commercial bank established in the People's Republic of China and the first national specialized bank to resume its establishment after the reform and opening up. Originally established in 1951, the Agricultural Bank of China became the dominant state-owned specialized bank in the rural economy after its re-establishment in February 1979. In 1994, the Agricultural Development Bank of China was separated, and in 1996, the Rural Credit Cooperatives and the Agricultural Bank of China were separated from the administrative subordination, and the Agricultural Bank of China began to transform into a wholly state-owned commercial bank.

On January 15, 2009, the Agricultural Bank of China completed the registration procedures for industrial and commercial change, and was restructured from a wholly state-owned commercial bank to a share, and changed its name to "Agricultural Bank of China Shares".

In 2008, ABC's various businesses developed rapidly, with significant improvements in operating efficiency and asset quality. At the end of the year, the total assets reached 700000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000 Through 24,064 branches, 30,089 ATMs and 1,171 overseas ** banks around the world, Agricultural Bank of China provides convenient, efficient and high-quality financial services to more than 100 million customers with the most extensive branch network system and leading information technology advantages.

In 2008, the Agricultural Bank of China ranked 223rd in the Fortune Global 500 rankings, and Moody's had a stable credit rating of A1.

It is recommended to go to the Agricultural Bank of China** to see the comprehensive and detailed records.

If you go to the official website of the Agricultural Development Bank, you will understand it all.

Customers are advised to choose Agricultural Bank of China.

1. The predecessor of the Agricultural Bank of China can be traced back to the Agricultural Cooperative Bank, which was established in 1951. Since the end of the 70s of last century, ABC has successively gone through different stages of development, such as national specialized banks, wholly state-owned commercial banks and state-controlled commercial banks. In January 2009, ABC was restructured into a share****.

In July 2010, ABC was listed on the Shanghai ** Stock Exchange and the Hong Kong Stock Exchange.

2. ABC is one of the major comprehensive financial service providers in China, and is committed to building a world-class commercial banking group with obvious operating characteristics, efficient and convenient services, complete functions and synergy, and outstanding value creation capabilities.

Extended Materials. Loan Terms:

1. Be at least 18 years old and not more than 60 years old, have the nationality of the People's Republic of China, and have full capacity for civil conduct;

2. Hold a legal and valid identity document and a household registration certificate (or valid residence certificate) of the location of the lending bank;

3. The borrower and his/her spouse meet the credit record conditions stipulated by our bank;

4. The credit score is 490 points or above;

5. Stable income and ability to repay credit on time;

6. The purpose of the personal credit application is reasonable and clear;

7. Open a personal settlement account in the Agricultural Bank of China.

Application materials: 1. ID card and a copy of ID card;

2. Letter of commitment for the purpose of the loan;

3. Proof of employment;

4. Proof of income.

The predecessor of the Agricultural Bank of China can be traced back to the Agricultural Cooperative Bank, which was established in 1951. Since the end of the 70s of the 20th century, the Agricultural Bank of China has successively gone through different stages of development, such as a national specialized bank, a wholly state-owned commercial bank and a state-controlled commercial bank. In 1994, the Agricultural Development Bank of China was separated, and in 1996, the Rural Credit Cooperatives and the Agricultural Bank of China were separated from the administrative subordination, and the Agricultural Bank of China began to transform into a wholly state-owned commercial bank.

On January 5, 2009, the Agricultural Bank of China was restructured into a joint-stock bank as a whole, completing the historic leap from a wholly state-owned bank to a modern joint-stock commercial bank. In July 2010, Agricultural Bank of China was listed in Shanghai and Hong Kong, successfully creating the largest IPO in the global capital market as of 2010, raising $22.1 billion. This marks that the reform and development of ABC has entered a new era; It also marks the perfect end of the campaign for the reform and listing of large state-owned commercial banks.