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Which is better, CCB or ICBC Suzhou Branch?
1, China Construction Bank was established in 1954 10 10. The head office is located at No.25, Financial Street, Beijing. It is a large state-owned bank managed by the central government and a national deputy ministerial unit.
2. China Industrial and Commercial Bank (ICBC) was established in June 65438 +654381October +01October. The head office is located at 55 Fuxingmennei Street, Beijing. It is a large state-owned bank managed by the central government and a national deputy ministerial unit.
One,
1. Industrial and Commercial Bank of China (hereinafter referred to as "ICBC") was established on 1984 1. As the largest commercial bank in China, China Industrial and Commercial Bank has stepped into the track of coordinated development of quality, efficiency and scale after more than 20 years of reform and development. At the end of 2003, the total assets were nearly 5.3 trillion yuan, accounting for nearly one-fifth of the total assets of banking financial institutions in China.
China Industrial and Commercial Bank has the largest customer base in China, with about 654.38 billion individual customers and 865.438 billion corporate accounts. More than 20,000 outlets and nearly 390,000 employees all over the country provide customers with high-quality and efficient services. By the end of 2003, the balance of deposits and loans of ICBC was 4,606.2 billion yuan and 3,392.9 billion yuan respectively, and the annual operating profit was 63.5 billion yuan.
2. Since the beginning of 2 1 century, the competitiveness of ICBC's overseas institutions has been significantly improved. 20 1 1, and the average return on equity of ICBC's overseas institutions is 12.4%, which exceeds some big banks in Europe and America. The per capita assets are 65.438+0.4 billion yuan, and the per capita net profit is 870,000 yuan, which exceeds the average level of the whole bank and has high operating efficiency. Functions cover deposits, loans, remittances, bank cards, online banking, international settlement, trade financing, financial markets and other fields. After several years of unremitting efforts, FOVA system has been successfully put into production in 34 overseas institutions, covering all overseas institutions except ICBC (Asia).
3. ICBC credit card penalty calculation method: Peony dual-currency credit card will be charged at 5% of the unpaid minimum amount, with the minimum amount of 1 yuan or 1 HK$ or 1 Euro, and the maximum amount of 500 yuan RMB 500 or 1 Euro. Peony RMB credit card is charged at 5% of the outstanding minimum amount, with a minimum of/kloc-0 yuan and a maximum of 500 yuan. The late payment fee for ICBC's credit card is charged on a monthly basis, and the proportion charged each time is 5% of the outstanding minimum repayment amount. ICBC has the right to stop using the card if it fails to repay the minimum repayment amount in full before the due repayment date for two or more consecutive times. If there is no repayment ability and the debt cannot be paid off in a short time, the cardholder will contact ICBC to negotiate an extension of repayment. Credit cards have their advantages and disadvantages. They can enjoy an interest-free period of dozens of days, but once it is overdue, it will have a series of consequences. So everyone must grasp it well and don't be overdue.
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