Agricultural Bank Of China Limited Class A · SSE:601288

Agricultural Bank Of China Limited Class A — FY2015 Earnings Presentation

27 slides from Agricultural Bank Of China Limited Class A's earnings presentation, Mar 31, 2016

1. Slide 1: 2015 Results Presentation

   abcchinacsgsgh\NDR\2013 Interim NDR\CN_2013年中期业绩推介_v11.pptx 2015 Results Presentation IFRS March 31, 2016 0

2. Slide 2: Disclaimer

   abcchinacsgsgh\NDR\2013 Interim NDR\CN_2013年中期业绩推介_v11.pptx Disclaimer Information contained in this material does not constitute an offer of, or an invitation to purchase or subscribe for, the securities of the Agricultural Bank of China Limited (the “Company”) in Hong Kong, the United States or ot

3. Slide 3: Financial Performance, Business Development, Future Outlook

   abcchinacsgsgh\NDR\2013 Interim NDR\CN_2013年中期业绩推介_v11.pptx Financial Performance Business Development Future Outlook 2 2

4. Slide 4: Key Financials

   abcchinacsgsgh\NDR\2013 Interim NDR\CN_2013年中期业绩推介_v11.pptx Key Financials RMB100 MM Dec 31, 2015 Dec 31, 2014 Total Assets 177,914 159,742 11.4% Loans and Advances 89,099 80,981 10.0% Total Liabilities 165,795 149,415 11.0% Deposits 135,384 125,334 8.0% CET1 Capital Adequacy Ratio 10.24% 9.09% 1.15

5. Slide 5: Profitability: Net Profit Increased Slightly YoY

   abcchinacsgsgh\NDR\2013 Interim NDR\CN_2013年中期业绩推介_v11.pptx Profitability: Net Profit Increased Slightly YoY Net Profit ROAA RMB100 MM ROAE 4 4

6. Slide 6: Assets and Liabilities: Steadily Expanding Scale of Operation

   abcchinacsgsgh\NDR\2013 Interim NDR\CN_2013年中期业绩推介_v11.pptx Assets and Liabilities: Steadily Expanding Scale of Operation and More Diversified Liabilities Structure Total Assets Total Loans RMB100 MM RMB100 MM Total Deposits More Diversified Liabilities Structure – Gradually Decreasing Proportion of

7. Slide 7: Net Interest Income: Interest-bearing Assets Rapidly Increasing, while NIM Decreasing

   abcchinacsgsgh\NDR\2013 Interim NDR\CN_2013年中期业绩推介_v11.pptx Net Interest Income: Interest-bearing Assets Rapidly Increasing, while NIM Decreasing Daily Average Balance of Interest-bearing Assets Grew Net Interest Income Increased Slightly Rapidly RMB100 MM RMB100 MM Net Interest Margin Declined 6 6

8. Slide 8: Intermediary Business: Restoring Growth

   abcchinacsgsgh\NDR\2013 Interim NDR\CN_2013年中期业绩推介_v11.pptx Intermediary Business: Restoring Growth Bancassurance and E-banking Revenues Net Fees and Commissions Ranked Top among Peers RMB100 MM RMB100 MM Wealth Management and Forex Settlement Revenues Grew Rapidly RMB100 MM 7 7

9. Slide 9: Costs and Expenses: Cost-to-income Ratio Continued to Drop

   abcchinacsgsgh\NDR\2013 Interim NDR\CN_2013年中期业绩推介_v11.pptx Costs and Expenses: Cost-to-income Ratio Continued to Drop Operating Expenses Increased Slightly YoY Cost-to-income Ratio Continued to Drop RMB100 MM 8 8

10. Slide 10: Asset Quality: Pressure Continued to Rise

    abcchinacsgsgh\NDR\2013 Interim NDR\CN_2013年中期业绩推介_v11.pptx Asset Quality: Pressure Continued to Rise NPL Balance and NPL Ratio Multiple Measures to Drive down NPLs RMB100 MM RMB100 MM 9 9

11. Slide 11: Provisions: Sufficient Risk Buffer

    abcchinacsgsgh\NDR\2013 Interim NDR\CN_2013年中期业绩推介_v11.pptx Provisions: Sufficient Risk Buffer Total Provisions Continued to Grow Risk Coverage well ahead of Peers RMB100 MM 10 10

12. Slide 12: Capital Adequacy: Capital Adequacy Ratio Increased Significantly

    abcchinacsgsgh\NDR\2013 Interim NDR\CN_2013年中期业绩推介_v11.pptx Capital Adequacy: Capital Adequacy Ratio Increased Significantly Lower Proportion of Risk-weighted Assets in Capital Adequacy Ratio Total Assets Note: calculated in accordance with the “Capital Rules for Commercial Banks (Provisional)” rele

13. Slide 13: Shareholders Return: Remained High

    abcchinacsgsgh\NDR\2013 Interim NDR\CN_2013年中期业绩推介_v11.pptx Shareholders Return: Remained High Earning per Share Dividend per Share and Dividend Yield RMB RMB Note: dividend yield = annual dividend per share / 12 average share price of the year 12

14. Slide 14: Financial Performance, Business Development, Future Outlook

    abcchinacsgsgh\NDR\2013 Interim NDR\CN_2013年中期业绩推介_v11.pptx Financial Performance Business Development Future Outlook 13 13

15. Slide 15: Corporate Business: Further Promoted Business Transformation

    abcchinacsgsgh\NDR\2013 Interim NDR\CN_2013年中期业绩推介_v11.pptx Corporate Business: Further Promoted Business Transformation and Intensified Support for Real Economy Infrastructure Construction Loans* Increased Rapidly Loans Granted for Key Projects Annually Increased Greatly RMB100 MM RMB100 MM *Infras

16. Slide 16: Retail Banking: Further Consolidated Strategic Cornerstone Position

    abcchinacsgsgh\NDR\2013 Interim NDR\CN_2013年中期业绩推介_v11.pptx Retail Banking: Further Consolidated Strategic Cornerstone Position Further Consolidated Advantage in Personal Deposits RMB100 MM  Actively responded to interest rate liberalization, enhanced lean management of interest rate and improved d

17. Slide 17: County Business: Further Enhanced Sannong Financial Service Capability

    abcchinacsgsgh\NDR\2013 Interim NDR\CN_2013年中期业绩推介_v11.pptx County Business: Further Enhanced “Sannong” (Rural, Agricultural, Farmer) -related Financial Service Capability and Performance County Deposits County Loans RMB100 MM RMB100 MM Loans for Leading Enterprises in Rural County Water Conservancy

18. Slide 18: Financial Market Business: Accelerated Development and Optimized Structure

    abcchinacsgsgh\NDR\2013 Interim NDR\CN_2013年中期业绩推介_v11.pptx Financial Market Business: Accelerated Development and Optimized Structure Leading to Higher Investment Return Non-restructuring-related Debt Securities Investment Size and Yield  Increased investment in local debts in RMB100 MM accordance

19. Slide 19: Asset Management Business: Rapid Growth of Business and Revenue

    abcchinacsgsgh\NDR\2013 Interim NDR\CN_2013年中期业绩推介_v11.pptx Asset Management Business: Rapid Growth of Business and Revenue Wealth Management Business Balance and Revenue  Strengthened product innovation, increased wealth RMB100 MM management product lines and promoted transformation towards open-e

20. Slide 20: Electronic Banking: Continuously Improved Channel Capability

    abcchinacsgsgh\NDR\2013 Interim NDR\CN_2013年中期业绩推介_v11.pptx Electronic Banking: Continuously Improved Channel Capability Internet Banking Clients and Transaction Values Proportion of Financial Transactions through Electronic Increased Rapidly Channels Kept Growing #, RMB 100 MM Mobile Banking Client

21. Slide 21: Internet Finance: Strive to Become the Leading Comprehensive Financial Service Provider

    abcchinacsgsgh\NDR\2013 Interim NDR\CN_2013年中期业绩推介_v11.pptx Internet Finance: Strive to Become the Leading Comprehensive Financial Service Provider and Leader in Sannong-related Financial Services Open Retail Customers Corporate Customers Offline Resources, Existing Clients and Users Wide Portals, U

22. Slide 22: Internet Finance: Various Product Lines Begin to Take Shape

    abcchinacsgsgh\NDR\2013 Interim NDR\CN_2013年中期业绩推介_v11.pptx Internet Finance: Various Product Lines Begin to Take Shape • By end of year, “Four Finances” platforms for “Sannong” released 10,161 terminal devices. “Accommodation” business completed 2.3374 MM deals valued at RMB12.6 Bn; “Financing” bus

23. Slide 23: International Business Development: Improved Cross-border Financial Service Capability

    abcchinacsgsgh\NDR\2013 Interim NDR\CN_2013年中期业绩推介_v11.pptx International Business Development: Improved Cross-border Financial Service Capability Total Assets and Net Profit of Overseas Institutions US$100 MM  Accelerated the layout of overseas business. By end of 2015, ABC established 17 overseas

24. Slide 24: Green Finance: Major Sponsor and Forerunner in China

    abcchinacsgsgh\NDR\2013 Interim NDR\CN_2013年中期业绩推介_v11.pptx Green Finance: Major Sponsor and Forerunner in China Green Credit Green Bond RMB100 MM  In October 2015, ABC issued US$995 MM dual- currency green bonds which were listed on the London Stock Exchange. The funds raised will be invested in g

25. Slide 25: Financial Performance, Business Development, Future Outlook

    abcchinacsgsgh\NDR\2013 Interim NDR\CN_2013年中期业绩推介_v11.pptx Financial Performance Business Development Future Outlook 24 24

26. Slide 26: Future Outlook

    abcchinacsgsgh\NDR\2013 Interim NDR\CN_2013年中期业绩推介_v11.pptx Future Outlook Strive to become a modern financial 县域业务 service group with multi-functional strategic synergies Focus on “Sannong” and financial poverty Strictly control funding and operational costs relief efforts Stimulate vitality and in

27. Slide 27: Thank You! Q&A

    abcchinacsgsgh\NDR\2013 Interim NDR\CN_2013年中期业绩推介_v11.pptx Thank You! Q&A 26 26

Agricultural Bank of China — FY2015 Earnings Presentation on 6ix