Brief introduction of banks

China Industrial and Commercial Bank China Industrial and Commercial Bank was established in June 1984+ 10/,headquartered in Beijing, and is the largest bank in China. This bank is a professional bank separated from the People's Bank of China, and the People's Bank of China exercises the functions of the central bank.

On June 27th, 2006, 10, China Industrial and Commercial Bank made initial public offerings on the Shanghai Stock Exchange and the Hong Kong Stock Exchange, with a financing amount as high as $21900 million, making it the largest IPO in the world. After listing, ICBC has become the largest joint-stock company in Shanghai Stock Exchange and the third largest joint-stock company in Hong Kong Stock Exchange, next only to HSBC Holdings and China Mobile. On the day of listing, Industrial and Commercial Bank of China set a record for HKEx's largest single-day turnover, reaching HK$ 37.4 billion, which broke the turnover of HSBC Holdings when the government 1998 entered the market. On that day, the total turnover of the main board in Hong Kong was HK$ 7.6 million18 million, which was higher than the turnover of the Bank of China when it was listed, and reached the highest turnover since the government entered the market in 1998.

As the largest commercial bank in China. At the end of 2005, the total assets were RMB 6,457,239 million. In 2003, British Banker magazine ranked China Industrial and Commercial Bank as16th among the 65,438+0,000 big banks in the world, and ranked among the Fortune 500 companies for five times in a row, and was rated as one of the top ten quality products (services) in China by far eastern economic review.

China Industrial and Commercial Bank has 65,438+8,000 institutional outlets with 360,000 employees, self-service banks1665,438 and ATMs19026. By the end of 2005, the balance of various deposits of China Industrial and Commercial Bank was 5,736,866,000 yuan, and the balance of various loans was 3,289,553 million yuan. In 2005, the net profit was 37.405 billion yuan. By June 30, 2006, ICBC had over 654.38 billion personal accounts and over 2.5 million corporate accounts. On June 30th, 2006, the NPL ratio was 4. 10%. ICBC's indicators meet the requirements of the Basel Accord.

At the end of 2005, the balance of personal consumption loans of China Industrial and Commercial Bank was 64.309 billion yuan, the balance of personal housing loans was 447.302 billion yuan, and the accumulated discounted bill balance at the end of 2005 was 39.27.17 million yuan. China Industrial and Commercial Bank is also the leading asset custody bank in China, with total assets under custody of 282.9 billion yuan.

On April 18, 2005, the shareholding system reform plan of ICBC was approved, and the financial restructuring was basically completed in June, 2006. 10 On June 28th, China Industrial and Commercial Bank was officially restructured into China Industrial and Commercial Bank Co., Ltd., with a registered capital of 248 billion yuan. After IPO, Central Huijin and Ministry of Finance held 35.32% shares respectively. Jiang Jianqing is the chairman and secretary of the Party Committee, Yang Kaisheng is the president, vice-chairman and deputy secretary of the Party Committee, and Wang Weiqiang is the supervisor and deputy secretary of the Party Committee. Former Hong Kong Financial Secretary Antony Leung, former President of Goldman Sachs John Thornton, and Professor Qian Yingyi from the Department of Economics of the University of California, Berkeley are independent directors. Agricultural Bank of China and Agricultural Bank of China were re-established in February, 1979, with its headquarters in Beijing. By the end of 2007, there were 24,452 branches in China, with branches in Singapore and Hong Kong and representative offices in London, Tokyo and new york, with 447,565,438+09 employees.

As a large-scale state-owned commercial bank that combines urban and rural areas, connects with the international market and has complete functions, China Agricultural Bank has always adhered to the customer-centered business philosophy, adhered to prudent and steady operation and sustainable development, based on the county and city markets, implemented differentiated competition strategy, and strived to build a service brand of "growing with you", relying on branches covering the whole country, huge electronic network and diversified financial products, and strived to provide quality financial services to our customers. By the end of 2007, the Bank's total assets reached 605,065,438+270 million yuan, with deposits of 528,336,438+400 million yuan and loans of 34,805,438+500 million yuan.

In 2007, Agricultural Bank of China ranked 65th among 65,438+0,000 big banks in the UK. Fortune Global 500 ranked 277th.

In 2007, Agricultural Bank of China was named BBBpi by Standard & Poor's; Moody's rating is A 1/ stable.

With the approval of the State Council, the overall restructuring of China Agricultural Bank (hereinafter referred to as "restructuring") is China Agricultural Bank Co., Ltd. (hereinafter referred to as "joint-stock company"). The joint-stock company was established in accordance with the law on June 5, 2009+10/October 5.

Since its establishment, the joint-stock company will completely inherit the assets, liabilities and all businesses of Agricultural Bank of China, and continue to engage in the business approved/approved in the original business scope and business license documents. The existing business organization, trademark, Internet domain name and consulting service telephone number of China Agricultural Bank remain unchanged, and continue to be used by joint-stock companies, and all businesses are carried out as usual. Customers do not need to go through any change procedures because of reorganization.

The basic information of China Agricultural Bank Co., Ltd. is as follows:

Name of joint-stock company:

English: "Agricultural Bank of China Limited"; Referred to as "China Agricultural Bank"

English: "Agricultural Bank of China Limited"; Referred to as "Agricultural Bank of China"; English abbreviation "ABC"

Registered capital of joint-stock company: 260 billion yuan.

The registered address of the joint-stock company: Bank of China, China Bank, No.69 Jianguomen Inner Street, Dongcheng District, Beijing. The full name is China Bank Co., Ltd., which is one of the large state-owned commercial banks in China and was established at 19 12. The business scope of China Bank covers commercial banks, investment banks and insurance fields, and it has holding financial institutions such as Bank of China Hong Kong, Bank of China International and Bank of China Insurance, providing comprehensive and high-quality financial services to individuals and corporate customers all over the world. In terms of core capital, in 2008, Bank of China ranked 10 in the ranking of "Global 1000 Big Banks" by British Banker magazine.

China Bank mainly engages in traditional commercial banking business, including corporate finance business, personal finance business and financial market business. Corporate finance business is based on the core credit products of banks, providing personalized and innovative financial services to customers. Personal financial business mainly aims at the financial needs of individual customers and provides system services based on bank cards. The financial market business mainly provides comprehensive services such as international exchange, fund settlement, interbank lending and custody for other banks, securities companies and insurance companies around the world.

BOC International Holdings Limited (hereinafter referred to as "BOC International") is a wholly-owned subsidiary of Bank of China and an operating platform for Bank of China to conduct investment banking business. BOC International has branches in mainland China, Hongkong, new york, London and Singapore, with a high-level professional team and a strong institutional sales and retail network. The global management operation of BOC International can provide all-round investment banking services including corporate financing, mergers and acquisitions, financial consultancy, fixed income, securities sales, investment research, direct investment and asset management for customers at home and abroad.

Bank of China operates insurance business through its wholly-owned subsidiary Bank of China Group Insurance Co., Ltd. and its subsidiaries and affiliated companies. Among them, BOC Group Insurance Co., Ltd. and its six branches, BOC Group Life Insurance Co., Ltd., Liang Dong Insurance Professional Co., Ltd. and Baoyi Investment Co., Ltd. are all owned in Hong Kong, BOC Insurance Co., Ltd. is owned in the Mainland and Lianfengheng Insurance Co., Ltd. is owned in Macau. BOC Group Insurance Co., Ltd. was established in July, 1992. It operates general insurance business in Hong Kong insurance market, with a wide range of business, and its business volume has been in the forefront of the local industry for many years.

China Bank is the most internationalized commercial bank in China. 65438-0929, Bank of China established the first overseas branch of China's financial industry in London. Since then, Bank of China has successively opened branches in major financial centers around the world. At present, China Bank has an institutional network in 29 countries and regions around the world, including more than 10000 domestic institutions and more than 600 overseas institutions. 1994 and 1995, the Bank of China became a note-issuing bank in Hongkong and Macau.

Bank of China (Hong Kong) Limited (hereinafter referred to as "Bank of China (Hong Kong)" or "Bank of China Hong Kong"), which belongs to Bank of China, was formally established on 2001kloc-0/,and is a licensed bank registered in Hong Kong. Bank of China (Hong Kong) merged the businesses of ten of the twelve banks of the former China Banking Group in Hong Kong, and at the same time held the shares of Nanyang Commercial Bank, chiyu banking corporation limited Limited and Bank of China Credit Card (International) Limited registered in Hong Kong, making them subsidiaries of Bank of China in Hong Kong. BOC Hong Kong is one of the three note-issuing banks in Hong Kong and one of the rotating chairman banks of the Hong Kong Association of Banks. The restructured BOC Hong Kong was listed in Hong Kong in July 2002.

As a century-old brand of China's financial industry, Bank of China has been aggressive and innovative, creating a number of firsts in the domestic banking industry, which has been widely recognized and praised by the industry and customers in the fields of international settlement, foreign exchange funds and trade financing.

In the glorious development history of nearly a hundred years, China Bank has played a very important role in the financial history of China. China Bank was established with the approval of Dr. Sun Yat-sen in 19 12. 1949 in the 37 years after the founding of People's Republic of China (PRC), China Bank was the national central bank, the international exchange bank and the specialized foreign trade bank at that time. China Bank takes honesty as the foundation, takes revitalizing the national financial industry as its own responsibility, expands the market in a difficult and war-torn environment, operates steadily, is determined to reform, and shows tenacious entrepreneurial spirit. Its banking business and operating performance have been in the leading position in the industry for a long time, and its branches have expanded overseas, leaving a brilliant chapter in the modern banking history of China. China Construction Bank China Construction Bank was established in June 1954 and June 65438+1 October1(later renamed People's Construction Bank of China and China Construction Bank on March 26th, 1996). Since its establishment, China Construction Bank has experienced three stages:

The first stage is the period of dealing with the state financial allocation. 1954 10 after the establishment of China Construction Bank by the decision of the State Council, the central people's government, its task is to handle the allocation of national capital construction investment, manage and supervise the use of capital construction funds within the national budget and the self-raised capital construction funds of departments and units. For decades, China Construction Bank has made outstanding contributions to improving investment efficiency and accelerating national economic construction and development.

The second stage is the period of national specialized banks. Since the mid-1980s, in order to meet the requirements of economic and financial system reform and economic development, China Construction Bank has successively launched cash cashier, household savings, fixed assets loans, working capital loans for industrial and commercial enterprises, international finance, housing loans and various agency services. By opening various commercial banking services to the public, the functions of banks have been enriched and a solid foundation has been laid for the transition to modern commercial banks.

The third stage is the period of state-owned commercial banks. From 65438 to 0994, according to the requirements of the national investment and financing system reform, China Construction Bank handed over its financial functions and policy capital construction loan business to the Ministry of Finance and the China Development Bank respectively, taking an important step from its functions to a modern commercial bank.

After nearly 50 years of reform and development, China Construction Bank has the strength to participate in domestic and international market competition. By the end of June 2004, the total assets were 3,722.8 billion yuan and the total liabilities were 3,522.3 billion yuan. The capital adequacy ratio reached 8. 17%. According to statistics at home and abroad, the balance of non-performing loans of the whole bank was 65.765438 billion yuan, and the non-performing loan ratio was 3.08%, reaching the standard of 3-5% required by the CBRC. Domestic and overseas business branches 1540 1, including 6 overseas branches and 2 overseas representative offices. The bank has 263,000 full-time employees. At the same time, it wholly owns CCB, holding 43.35% equity of China International Capital Corporation and 75. 1% equity of Sino-German Housing Savings Bank.

On September 15, 2004, Central Huijin Investment Co., Ltd., China Yin Jian Investment Co., Ltd., State Grid Corporation, Shanghai Baosteel Group Corporation and China Changjiang Power Co., Ltd. held a meeting in Beijing and decided to jointly establish China Construction Bank Co., Ltd., and China Construction Bank will be transformed from a wholly state-owned commercial bank into a state-controlled joint-stock commercial bank.

After China Construction Bank was restructured into a state-controlled joint-stock commercial bank, its name was China Construction Bank Co., Ltd., referred to as China Construction Bank. China Construction Bank Co., Ltd. inherited the commercial banking business and related assets, liabilities and rights and interests of the former China Construction Bank.

After the establishment of China Construction Bank Co., Ltd., strategic investors will be introduced to further realize equity diversification and improve the corporate governance structure. At the same time, we will continue to comprehensively promote various management reforms, promote performance progress, and strive to turn China Construction Bank Co., Ltd. into a modern joint-stock commercial bank with sufficient capital, strict internal control, safe operation, good service and good benefits. Since then, China Construction Bank has started a new journey in the development process! Bank of Communications Bank of Communications was established in 1908 (thirty-four years of Guangxu). It is one of the early four banks in China and one of the early note-issuing banks in China. Its paper currency issuance history is as long as 33 years, and it is also the longest bank to issue paper currency. In addition, Bank of Communications is also the first joint-stock commercial bank in China.

After the founding of the Republic of China, the Bank of Communications was entrusted by the Central Bank to undertake the revenue and expenditure of the national treasury and exchange the national currency with the Bank of China. 1928, the Legislative Yuan of the National Government passed the Regulations on Bank of Communications, and Bank of Communications became a specialized bank to help farmers and workers.

When Bank of Communications was founded, its headquarters was located in Beijing. 19 19. After World War I, Bank of Communications Shanghai Branch took over the four-story Renaissance-style building of Dehua Bank located at the Bund 14 in Shanghai Concession. 1928, with the national political center transferred from Beijing to Nanjing, Bank of Communications also moved its head office to Shanghai Bund 14. 1937 when War of Resistance against Japanese Aggression broke out, the head office of Bank of Communications moved to Chongqing. After the war, 1946- 1947, the Shanghai headquarters was rebuilt into a six-story building in the Art Deco style.

Bank of Communications Head Office 195 1 moved back to Beijing, and Shanghai Bund 14 has been stationed by Shanghai Federation of Trade Unions. 1958 the domestic business of bank of communications was merged into the local people's bank of China and the people's construction bank of China (now known as China construction bank (HKEx 0939)) in addition to the hongkong branch. In order to adapt to the reform and development of China's economic system, on July 24th, 1986, the State Council approved the re-establishment of Bank of Communications as a pilot of financial reform. 1 987 April1day, the newly established Bank of Communications officially opened to the outside world, becoming the first national state-owned joint-stock commercial bank with its head office located at No.200 Jiangxi Middle Road (formerly Jincheng Bank Building); At present, the head office of Bank of Communications has moved toNo. Yin Cheng Middle Road 188, Pudong. In 2004, HSBC invested nearly US$ 654.38+700 million to acquire 654.38+09.9% equity of Bank of Communications. It was listed on the Hong Kong Stock Exchange on June 23rd, 2005 with the stock code HKEx 03328 and the issue price of HK$ 2.5. On April 25th, 2007, it was issued in Shanghai Stock Exchange with the issue price of 7.90 RMB and the stock code of 60 1328. It was listed on May 15, 2007. In 2008, Bank of Communications celebrated its centenary birthday. At the turn of the century, Bank of Communications, once again at the forefront of the new century, will continue to move forward! Create a first-class public holding bank, the best wealth management bank, a new pattern of comprehensive operation, an international brand of national finance, and rank among the forefront of the global economic stage!

As the first national joint-stock commercial bank in China, Bank of Communications has shouldered a dual historical mission since it was re-established. It is not only the inheritor of a century-old national financial brand, but also the forerunner of China's financial system reform. Bank of Communications has achieved six firsts in the reform and development of China's financial industry, namely, the first source of capital and the form of property rights are joint-stock system; The first institution established according to the market principle and the cost-benefit principle; The first company broke the monopoly of the financial business scope and introduced the competition mechanism into the financial field; The first company introduced asset-liability ratio management to standardize business behavior and prevent business risks; The first to establish a new type of bank-enterprise relationship with two-way selection; The first comprehensive commercial bank that can engage in banking, insurance and securities business. The reform and development practice of Bank of Communications paved the way for the development of China's joint-stock commercial banks and played a catalytic, promoting and exemplary role in financial reform.

In June 2004, in the process of deepening financial reform in China, the State Council approved the overall plan of Bank of Communications to deepen the shareholding system reform. The goal is to turn Bank of Communications into a modern financial enterprise with perfect corporate governance structure, sufficient capital, strict internal control, safe operation, good service and benefit, strong international competitiveness and a century-old national brand. In deepening the shareholding system reform, Bank of Communications completed financial restructuring, successfully introduced domestic and foreign strategic investors such as HSBC, Social Security Fund and Central Huijin Company, and made efforts to promote the benign transformation of institutional mechanisms. On June 23rd, 2005, Bank of Communications successfully listed in Hong Kong, becoming the first mainland commercial bank in China to list overseas. At present, Bank of Communications has developed into a century-old national brand modern commercial bank with clear development strategy, perfect corporate governance, sound institutional network, advanced management, excellent financial services and good financial status.