农业银行英文介绍

Introduction

The predecessor of the Bank is Agricultural Cooperative Bank, established in 1951. Since the late 1970s, the Bank has evolved from a state-owned specialized bank to a wholly state-owned commercial bank and subsequently a state-controlled commercial bank. The Bank was restructured into a joint stock limited liability company in January 2009. In July 2010, the Bank was listed on both the Shanghai Stock Exchange and the Hong Kong Stock Exchange, which marked the completion of our transformation into a public shareholding commercial bank.

As one of the major integrated financial service providers in China, the Bank is committed to building a multi-functional and integrated modern financial service group. Capitalizing on its comprehensive business portfolio, extensive distribution network and advanced IT platform, the Bank provides a range of corporate and retail banking products and services for a broad range of customers and conducts treasury operations and asset management. Our business scope also includes, among other things, investment banking, fund management, financial leasing and life insurance. At the end of 2015, the Bank had total assets of RMB17,791,393 million, loans and advances to customers of RMB8,909,918 million and deposits of RMB13,538,360 million. Our capital adequacy ratio was 13.40%. The Bank achieved a net profit of RMB180, 774 million in 2015.

The Bank had 23,670 domestic branch outlets at the end of 2015, including the Head Office, the Business Department of the Head Office, three specialized business units managed by the Head Office, 37 tier-1 branches (including branches directly managed by the Head Office), 362 tier-2 branches (including business departments of branches in provinces), 3,513 tier-1 sub-branches(including business departments in municipalities, business departments of branches directly managed by the Head Office and

business departments of tier-2 branches), 19,698 foundation-level branch outlets, and 55 other establishments. Our overseas branch outlets consisted of nine overseas branches and three overseas representative offices. The Bank had fourteen major subsidiaries, including nine domestic subsidiaries and five overseas subsidiaries.

The Bank was included in the list of Global Systemically Important Banks for two consecutive years since 2014. In 2015, the Bank ranked No. 36 in Fortune’s Global 500, and ranked No. 6 in The Banker’s “Top 1000 World Banks” list in terms of tier 1 capital. The Bank’s issuer credit ratings were assigned A/A-1 by Standard & Poor’s; the Bank’s deposits ratings were assigned A1/P-1 by Moody’s Investors Service; and the long-/short-term issuer default ratings were assigned A/F1 by Fitch Ratings.

Milestones of ABC

July 10, 1951

Agricultural Cooperative Bank, predecessor of Agricultural Bank of China (ABC), was established. As a specialized subsidiary bank of the PBOC, it assumed the function of providing financial services for the recovery and development of rural economy of China. In July 1952, it merged with the PBOC with its functions incorporating into the latter.

March ,1955

Based on the requirements to provide credit support for agricultural cooperative, it was officially established as the name of “Agricultural Bank of China”. In April 1957, it merged with the PBOC again.

November, 1963

To manage the state funds allocated to support and lend for agricultural purposes, ABC was established again as a financial institution operated directly under the State Council. However, in November 1965, it merged

with the PBOC for the third time.

February 23, 1979

The State Council issued the Notice on the Reestablishment of Agricultural Bank of China. Therefore, ABC was established for the fourth time.

June 1, 1984

ABC introduced the first loan from the World Bank.

June 24, 1985

ABC unified the character style of its name for the first time.

June 25, 1985

The Central Government decided to set up the Party Committee of ABC December, 1993

The State Council expressly determined to transfer ABC into a state-owned commercial bank. ABC started its transfer into a state-owned commercial bank.

April, 1994

ABC transferred most of its policy-related banking business to newly founded Agricultural Development Bank of China.

August, 1996

Based on the Decision of the State Council on the Reform in Rural Financial System, ABC no longer managed rural credit cooperatives and the administrative relations between ABC and rural credit cooperatives were severed.

July, 1999

ABC transferred its non-performing assets to China Great Wall Asset Management Corporation.

2004

ABC submitted the joint stock reform plan.

January, 2007

It was proposed at the Third National Financial Conference that ABC would cater to the needs of Sannong, undertake an integrated restructuring, implement commercially-driven operations and go public at an appropriate time. This heralded its new era of joint stock reform.

September, 2007

ABC launched a pilot project to develop financial services for serving Sannong in eight provinces (districts and cities) including Jilin, Anhui, Fujian, Hunan, Guangxi, Sichuan, Gansu and Chongqing.

January 23, 2008

ABC explicitly put forward “3510” goal and development strategy.

March, 2008

ABC launched the pilot program for County Area banking division reform in 11 tier-2 branches in six provinces.

August, 2008

The Head Office of ABC set up the County Area banking division to press forward bank-wide County Area banking division reform.

October, 2008

The executive meeting of the State Council reviewed and adopted in principle the Overall Implementation Plan on the Joint Stock Reform of Agricultural Bank of China. ABC’s joint stock reform was pushed forward.

November, 2008

Central Huijin Investment Ltd. invested into ABC and together with the Ministry of Finance became the first majority shareholders of ABC.

January 15, 2009

Agricultural Bank of China Limited was established.

April, 2010

ABC launched its IPO.

July, 2010

ABC successfully listed A shares and H Shares on the Shanghai Stock Exchange and the Hong Kong Stock Exchange, respectively, and its IPO became the largest ever at the time.

Brands

Golden Key

Overview

This is a "Golden Key" to usher in a new era of ABC's personal banking services. The two hollowed heart shapes on the key are connected by the emblem of ABC, indicating that the brand is what customers want and need. The knife-shaped coin part suggests that Golden Key products and services are easy to be obtained and are of enough varieties to meet the different needs of customers.

This is a "Golden Key" for billions of customers to open the door to a new world and better future. The key is designed to showcase dignity and affluence and suggests that the brand will help customers achieve success and build a better life.

The combination of images with Chinese characters and English letters indicates the integration of tradition and modernity and the connection between the present and the future. It is a display of reputation and achievement and a symbol of honor and cooperation. Such a design makes the brand easy to be recognized and leave customers the impression of being secure, efficient, reliable and aspiring.

Slogan: Open the Door to Wealth, the Key to a Better Life

The verb "open" echoes with the image of Golden Key and conveys the right information to customers.

"Open the Door to Wealth" indicates that Golden Key helps customers

create and manage wealth like a life companion.

"The Key to a Better Life" indicates that with the help of Golden Key customers can enjoy a wealthy and happy life.

Golden Way

"Golden Way" is our brand of offering corporate banking services. It covers mainly corporate deposits and loans in RMB and foreign currencies as well as intermediary business tailored to customers' needs.

As a secondary brand and part of ABC's golden series, "Golden Way" effectively interprets our commitment to delivering professional services along with creating the best value for our customers based on cooperation. We have always regarded this idea as the "golden principle" to our business. The brand is all about providing an all-around platform of financial services for corporate customers to help grow their business.

In the Chinese version of the brand name "Jin-Guang-Dao", "Guang" means "bright", indicating that we are committed to providing professional corporate banking services to help customers build a bright future for themselves.

"Dao" means "way or road", which refers to the approach of our professional banking service as well as how we deal with business success. It indicates that we are ready to work and share success with our corporate customers.

We offer all-around financial solutions to our corporate customers, creating more value and helping our customers achieve success.

What the Brand Has to Offer

【All-Around Banking Services】

With a dedicated team of professional financial experts, we aim to integrate our financial resources to provide our customers with all-around

solutions, addressing comprehensive financial concerns of customers during critical stages of growth.

【Professional Financial Partner】

It is our tradition to innovate and pursue excellence. In serving businesses, what we see is not just customers' needs of immediate growth but also customers' future development. ABC's main concern is to help customers' grow their business and to create everlasting sustainability of their businesses.

Choose Golden Way, your professional financial partner, and let us grow together.

Slogan: With Shared Vision, We Work Together for Future Success.

By "with shared vision", we are committed to being a true friend to our customers. We share the same aspirations and focus on developing trust between each other.

By "we work together for future success", we aim to develop a long-run partnership with customers and help them grow in a sustainable manner. This is what a professional financial partner should offer. Moreover, in light of our shared vision, we can help each other grow stronger and achieve more as we reach new heights together.

This slogan sounds ambitious yet friendly, which helps to enhance the recognition of our brand.

Golden Online

Overview

"Golden Online" is a brand of e-Banking service based on modern electronic and information technology, including such transaction systems as: online banking, telephone banking, self-service banking, TV banking (home banking), and service systems (i.e. customer service center, SMS Express and

website). Golden Online features all-around, flexible and easy management of customers' accounts, funds and investments with secured technical support.

As a secondary brand which is part of ABC's golden series,"Golden Online" well interprets our commitment to delivering professional services to and creating the best value for customers based on cooperation, which we have always regarded as a "golden principle" of our business practices. The brand is all about providing our customers with secure and easy access to online banking services.

The name "Golden Online" itself has already suggested what is special about ABC's e-banking services.

In Chinese, the brand name consists of two Chinese characters "Jin" and "Shun" and one English letter "e". "Jin" means "golden", a mark of the golden series. The letter "e" indicates e-banking and has the same pronunciation as the Chinese character "Yi" which means "easy", so it also means convenient and efficient self-service banking. "Shun", meaning that everything goes smoothly, suggests that we deliver in an easy and fast manner through the online platform, which is good for both the customers and the Bank.

Features

【Secure】

We take the security of e-banking seriously and have taken strides to ensure the best operational and technical security for customers. The world's most reliable and secure communications protocol as well as the latest encryption technologies, such as certificate authentication and digital signature are employed in our online banking system. We use USB-KEY, dynamic password keyboard and the graphics code to provide the best transaction security for our customers. Besides, we watch closely the operation of the system and keep product development on track to prevent

systemic and operational risks, thus promoting the sound and rapid growth of our e-banking business.

【Easy】

Golden Online represents 3A (Anytime, Anywhere, Anyhow) service. Individual customers or enterprises can have easy access to online payment, group finance, cash management, online fund marketing, roaming remittance, and others through the online transaction system.

【Fast】

Customers can enjoy many efficient financial services of ABC like online trading and online consulting simply by the click of a mouse, making a call or sending a SMS message.

Golden Online banking offers customers with secure, easy and fast access to online financial services.

Slogan: Easy Online, More in Hand.

"Easy Online" means that it is easy and fast for any group corporation, ordinary business, financial institution or individual customer to enjoy banking services through the Golden Online system.

"More in Hand" represents that we are dedicated to building a brand which will bring our customers the best value. We will keep improving our e-banking system and launch better financial products and services by maximizing our strength in technology, outlet networks and innovation capacity. We are ready to grow with our customers in heading towards a better future.

Golden Benefit

Overview

As the first brand of agro-related financial services, Golden Benefit pioneers a new way to serve the farmers. Services under the brand cover

eight major fields including farmers' work and life, development of modern agriculture, rural commodities distribution, development of rural small and medium-sized enterprises (SMEs), rural infrastructure development, resource development, rural urbanization, rural social undertakings as well as cooperation with other financial institutions.

As a sub-brand and one of the ABC's golden series, Golden Benefit well interprets our commitment to delivering professional services and creating the best value for our customers based on cooperation, which we have always regarded as a "golden principle". The brand is all about helping agro-related sectors grow.

In Chinese version of Golden Benefit, "Jin-Yi-Nong", "Yi"means "good or benefit", on one hand, it is a good friend of agro-related sectors; on the other hand, it will benefit the agro-related sectors, ABC and society as a whole.

The brand name is very easy to catch, highlighting our target customers: agro-related sectors.

Benefits

Benefits to Agro-related Sectors

Golden Benefit provides financial products and services for target customers such as the industrialization of agriculture, rural commodities distribution, infrastructure development, construction of small towns, featured resource development, growth of SMEs, farmers' work and life and public financial institutions in rural areas so as to boost agricultural production, promote rural economic growth and increase farmers' income.

Benefits to ABC

The strategy of developing agro-related operations and county-level "blue ocean" markets will bring into full play ABC's unique strength and increase its core competitiveness and sustainability.

Golden Benefit features specialized products and efficient services, helping to highlight the role of ABC in serving the development of agro-related sectors and county-level economic growth. Such good performance in fulfilling social responsibility will surely boost the brand image of ABC.

ABC plays a major role in supporting rural financial institutions in the efforts to offer customized solutions for the customers, and grows with all the agro-related sectors at the same time.

Benefits to China

As the Chinese old saying goes, when people are affluent, the country is strong. ABC's delivery of financial services to agro-related sectors helps to improve the rural financial system, promote the coordinated development of urban and rural areas and support the development of new socialist countryside.

Slogan: Bring Benefits to Agro-related Sectors

The slogan highlights ABC's sense of social responsibility as a major responsible stakeholder.

The word “benefits” indicates that ABC brings tangible benefits to agro-related sectors with financial services.

The slogan embodies the essential value of Golden Benefit, namely benefiting agro-related customers.

The stress falls on "agro-related sectors" which make up the majority of China's population, a very big group of customers for ABC.

Kins Card

Overview

Kins Card, a bankcard brand covering both debit and credit cards, is developed to meet various needs of customers for financial services such as payment, settlement, remittance, foreign exchange, deposit, agency business,

investment and wealth management.

As a secondary brand and part of ABC's golden series, Kins Card well interprets our commitment to delivering professional services to and creating the best value for customers based on cooperation, which we have always regarded as the "golden principle" of our business. The brand is all about providing cardholders with thoughtful, credible, efficient, and secure financial services in daily life.

Kins Card is classified into two major categories by functions, namely Kins Debit Card and Kins Credit Card.

Kins Debit Card, issued by ABC, can be used in cash deposit and withdrawal, transfer, settlement, and payment. Under the brand, there are also sub-brands targeted at different categories of consumers including standard cards, gold cards, VIP cards, horoscope cards, and campus cards. Based on ABC's extensive service network and multiple service channels, Kins Debit Card is developed to serve the daily needs of most Chinese people, an indispensible friend of the cardholders.

As for credit card, there are Kins Credit Card and Kins Quasi-Credit Card. Holders of Kins Credit Card, given a line of credit, are eligible to use it in payment for consumption within the credit limit and repay the money later. Kins Quasi-Credit Card is a type of debit-credit card that ABC develops specially for customers with a good record of credit. It can be used in cash deposit and withdrawal, transfer and settlement, payment and overdraft. With the dual role of debit and credit cards, it can help customers create immediate, small and frequent cash flows and provide customized supporting services to meet various financial needs.

Kins Credit Card is designed to help customers enjoy a high quality of life. With the security assurance, pro-consumption orientation, convenient financial services, and stylish designs, the cards are bound to bring

cardholders fresh and enjoyable experiences. Kins Credit Card will grow into a most reliable brand for customers in promoting the value of leading to a quality life.

The brand name, Kins Card, or "Jin-Sui-Ka" in Chinese, indicates beautiful life and future success, which helps to boost the brand image.

Benefits

What people want to have is what Kins is to deliver.

Customers' needs are at the core.

As a financial platform for people's livelihood, Kins Card satisfies the customers' needs with convenient, efficient and thoughtful services.

Deliver more than expected.

Besides the basic functions of cash deposit and withdrawal, transfer and settlement, payment and wealth management, Kins Card also offers customers with more innovative financial products beyond expectation.

Slogan: Card Follows Your Heart; Wealth Flows with the Card.

"Follow" indicates that Kins Card is always with customers. In Chinese version of "Wealth Flows with the Card", "Jin-Sui-Ka-Xing", the first three characters "Jin-Sui-Ka" sound like Kins Card in Chinese, representing high recognition of the brand.

The first half of the slogan stresses the focus on customers' needs while the second half suggests that customers can always get the money they need with Kins Card.

The two verbs "follow" and "flow" indicate that Kins Card is to bring a better life, adding vitality to the slogan.