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Agricultural Bank of China SWOT & PESTLE Analysis

ID : 5266853| Oct 2018| 14 pages

COMPANY PROFILE -Agricultural Bank of China

Business Sector :Banking and Financial Services

Operating Geography :Asia, China

About Agricultural Bank of China :

Agricultural Bank of China (ABC), formerly known as Agricultural Cooperative Bank was founded on July 10, 1951 and is headquartered at Beijing, China. The Bank has evolved from a state-owned specialized bank to a wholly state-owned commercial bank and subsequently a state-controlled commercial bank. It deals with commercial banking and financial services. The ABC Bank launched its initial public offering on the Shanghai Stock Exchange and the Hong Kong Stock Exchange on July, 2010 and this signified its complete transformation into a public shareholding commercial bank. It was recognized as one of the Global Systemically Important Banks in 2014. It ranks No. 40 in Fortune’s Global 500, 2018 and ranked No.6 in the Banker’s Top 1000 World Banks list in terms of Tier 1 capital in 2018. It is the third largest bank in lending services as per the market value in China. Agricultural Bank of China employs 49, 1578 people as of 2018.

Agricultural Bank of China Revenue :


537.04 billion Yuan – FY ending 31st Dec 2017 (y-o-y growth 4.3%)
506.02 billion Yuan – FY ending 31st Dec 2016

Competitive Analysis of Agricultural Bank of China

SWOT
PESTLE
The SWOT Analysis for Agricultural Bank of China is presented below:
Strengths
Weaknesses
1. Comprehensive business portfolio
2. Extensive distribution network
3. Advanced IT platform usage
4. Growth in cross-border financial services
5. Stable asset quality
6. Effective risk management policies
1. Negligence to UN principles on human rights
2. High on non-performing loans and non-performing loans ratio
3. Management issues
Opportunities
Threats
1. Innovation in e-commerce and third party platform services
2. Synchronous development strategy
3. Enhanced service to county areas
1. Economy slowdown of China
2. Tightened regulatory constraints on capital requirements and interest rate liberalization in China
3. Competitor threats of other Chinese banks and foreign financial institutions
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Detailed SWOT Analysis of Agricultural Bank of China

Strengths

1. Comprehensive business portfolio: The bank maintains a strong business portfolio of services which includes corporate loans and deposits, small and medium micro enterprises banking, investment banking, institutional banking, retail loans and deposits, bank cards, private banking business, treasury operations, money market operations, investment and trading operations, corporate and retail wealth management, pension business, asset securitization, treasury transactions on behalf of customers and has recently entered into the areas of e-commerce, mobile banking, self-service banking which are quite promising revenue streams.

2. Extensive distribution network: It has wide distribution network and extends its operations across Yangtze River Delta, Pearl River Delta, Bohai Rim, Central China, North-eastern China, Western China and overseas. The bank has 23,612 domestic branch outlets, 37 tier-1 branches, 353 tier-2 branches, 3,515 tier-1 sub-branches, 19,702 other establishments, eight overseas branches and two overseas representative offices. ABC has fourteen major subsidiaries which also includes nine domestic subsidiaries and five overseas subsidiaries.

3. Advanced IT platform usage: The bank leveraged on IT platform to provide integrated services across different channels. Using IT, it established a real-time backup centre in Shanghai and a data centre in Beijing. IT operation and management system was set up for production, contingency or disastrous matters which also catered to the requirements of massive data management.

Weaknesses

1. Negligence to UN principles on human rights: As per the latest UN study, which assessed the progress of 32 of the world’s largest banks towards implementing the UN Guiding Principles on Business and Human Rights and bench marked each bank against a set of 12 criteria in four categories, that is policy commitment; due diligence commitment; reporting and access to remedy, for each criteria, Agricultural Bank of China scored overall 0 on a scale of 12 in all aspects. It requires disclosure of its services through proper channels to maintain its reputation in the long run.

2. High on non-performing loans and non-performing loans ratio: At the end of 2014, the balance of non-performing loans of the Bank was increased to RMB 124,970 million. The non-performing loan ratio increased by 0.32 percentage point to 1.54%.Non-performing loans showed an increase mostly in three industries: (1)wholesale and retail (by RMB19,155 million); (2) manufacturing (by RMB12,044 million); and (3) real estate (by RMB2,059 million).

3. Management Issues: Corruption issues at senior management level could weaken the company’s growth. It came into surface recently with the arrest of former senior executive of ABC, Mr Yang Kun. Yang is believed to have accepted bribe from a Beijing developer Blue Harbor in order to extend an enormous loan amount of 3 billion Yuan to the company since he became a deputy head of ABC in 2004.

Opportunity

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Threat

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Agricultural Bank of China SWOT & PESTLE Analysis
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