Extended data
SMS service is a comprehensive financial service launched by Agricultural Bank of China, which interacts with customers through SMS, email and fax. It has three characteristics: timely account change service, comprehensive information service and enthusiastic customer service.
This service is a communication platform built by Agricultural Bank of China to enhance the interaction with customers and smooth the information exchange with customers. Through the "message service", customers can avoid missing important information, initiate financial transaction requests anytime and anywhere, and complete the required business quickly and timely.
ABC's news service charges 2 yuan every month. If you want to cancel the SMS information fee of ABC, you must cancel the message service. There are two ways for you to choose at present:
1. Cancel voluntarily. You can register, modify or cancel by SMS in the online banking version of the Head Office, or you can directly cancel at the bank counter with your valid certificate and the original registered account certificate (quasi-credit card or debit card, etc.). After canceling the SMS notification, the bank will not charge you for the SMS message.
2. Passive logout. The agricultural bank system deducts fees on the 20th of each month. If the deduction is not successful, the account system will send a notice the next day, asking customers to deposit before the end of the month and deduct in batches at the end of the month. On the last day of the month, the account funds are still insufficient to deduct fees, and the message service business of this account will be stopped from next month.
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 its annual net fee and commission income is about 4665438+28 million yuan, an increase of about 10488 million yuan over the previous year, with an increase of more than 30%.
Excluding the fee income from the disposal of non-performing assets by the agent Ministry of Finance, the growth rate can be increased to 42.8%, among which the growth rate of e-banking, credit card, investment banking and agency insurance is above 50%.
scope of business
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 field of China Agricultural Bank has developed from the initial agricultural credit and settlement business to a complete variety, combining local and foreign currencies, and can handle various international and domestic financial businesses;
It mainly includes: 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 payment settlement/international settlement/fund-related business/corporate financial service/financial institution service.
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.
References:
Agricultural Bank of China. Baidu baike