Ministerul Educaiei i Cercetrii Universitatea Babe-Bolyai Cluj Napoca Facultatea de tiine Economice i Gestiunea Afacerilor

Students: Adam Mihail Ardelean Marcel-Vasile Avram Liviu-Rzvan 2nd year, International Affairs, group 1

Table of contents
General information Historical information Companys structure Products Customer service Corporate Social Responsibility Bibliography

Industrial and Commercial Bank of China was incorporated on January 1, 1984 with headquarters in Beijing. In 2013, it ranked number 1 on Forbes Global 2000 list of worlds biggest public companies.

President Yang Kaisheng Chairman of the Board Directors Jiang Jianqing of Chairman of the Board of Supervisors Zhao Lin

Corporate culture
Mission: Excellent for you Excellent services for clients, maximum returns for shareholders, real success for our people, great contribution to society. Vision: A global leading bank with the best profitability, performance and prestige. Value: Integrity leads to prosperity Brand image: A reliable bank thats always by your side.

Company profile
The bank provides extensive financial products and services for 4,38 million corporate customers and 393 million personal customers by virtue of its service network consisting of about 17000 domestic institutions, 383 overseas institutions and 1680 correspondent banks worldwide. It strives to realize the integration of economic and social responsibilities, establishing the image of a large responsible bank in the aspects of supporting economic and social development, protecting environment and resources, and participating in community services.

Industrial and Commercial Bank of China was incorporated on January 1, 1984 with headquarters in Beijing. The Bank was wholly restructured to a joint-stock limited company on October 28, 2005. On October 27, 2006, the Bank was listed on both the Shanghai Stock Exchange and The Stock Exchange of Hong Kong Limited. In August 2008, ICBC became the second Chinese bank since 1991 to gain federal approval to establish a branch in New York City. In 2013, it ranked number 1 on Forbes Global 2000 list of worlds biggest public companies.

The Board of Directors of the company consists of 16 director including 4 executive directors, 6 non-executive directors and independent non-executive directors. The Board of Supervisors consists of 7 supervisors, namely shareholder supervisors, 2 external supervisor and 3 employe supervisors.

Personal Loan
This is an ICBC value-added service for customers to use personal loan conveniently. Customers use this service to apply for personal loan online and use the loan revolvingly.

Aplication conditions
1. Chinese citizens (excluding residents in Hong Kong, Macau and Taiwan), with full civil capacity; 2. Live where the lending branch is located, has permanent residence or valid proof of residence; 3. Hold legal ID document or certificate of domicile (or valid certificate of residence), certificate of marital status (or proof of not married); 4. Good credit history, willing to repay; 5. Stable source of income and ability to repay all principal and interest of loan when due;

6. Clear purpose of loan specified in the State's law, rules and regulations. Borrowers are not allowed to invest the loan in securities market, futures market, equity capital, real estate project, or use the loan to acquire illicit income, or for any other purpose expressly restricted under the State's law, rules and regulations; 7. Legal, valid and reliable collateral (pledge) recognized by ICBC; 8. A personal settlement account opened in ICBC; 9. Other conditions stipulated under the category of loan applied

Documentation required
1. Original and copy of the ID card, certificate of domicile (permanent residence booklet or other valid proof of residence) and certificate of marital status of the borrower and spouse; 2. Proof of personal income: personal tax payment, salary and wages, investment income, or proof of average financial assets in ICBC or in other bank within the last 6 months; 3. Proof or declaration of loan purpose; 4. Certificate of the ownership of the collateral (pledge); original of the appraisal report if appraisal is required on the mortgaged property; 5. Other documents stipulated by ICBC.

CHIP Card
Chip cards are now in use throughout the world due to their high protection and "one card, multiple uses". In China, as chip cards are getting popular and widely accepted, ICBC acts first to launch singlechip debit cards for cardholders to enjoy more secure, more convenient services. The chip embedded in an ICBC single-chip debit card is the only way for cardholders to conduct contact or contactless transactions, by debit or electronic cash.

ICBC single-chip debit cards can be used at ICBC outlets, ATM, CUP ATM, POS and self-service devices (devices, terminals or readers for PBOC 2.0-standard chip cards). ICBC single-chip debit cards are the most advanced bank cards in China offering the maximum security and highest convenience in three types: ICBC Wise Gold Card, ICBC Elite Club Card and ICBC Moneylink Card.

Types of costumers:
In transaction progress:
High qualified personal which can talk composure and explicit by the customers; Customers privacy; After transaction services:

Accounts security: Promptly response to customers problems; Informing abous customers accounts or
credits.

Enhancing responsibility management

Promoting international communication

Supporting the real economy

Committed to being people-oriented

Protecting customers' rights

Promoting ecological progress

Chief Risk Officer Wei Guoxiong

The wind power plant project supported by Inner Mongolia Branch

A pump storage power station project supported by Henan Branch

Helping to improve people' s wellbeing

Devoted to public good undertakings

"wherever ICBC is, our care goes"

Bibliography

Industrial and Commercial Bank of China: www.icbc-ltd.com URL: http://www.icbcltd.com/ICBCLtd/en/ Industrial and Commercial Bank of China: Corporate Social Responsibility Report 2012 URL: http://www.icbc-ltd.com/SiteCollectionDocuments/ICBC/Resources/ICBCLTD//2013/ 2012.pdf Relbanks: World Top Banks 2012 report URL: http://www.relbanks.com/worlds-topbanks/assets Forbes: Red bank rising URL: http://www.forbes.com/global/2012/0507/global-2000-12largest-companies-china-red-banks-rising.html Federal Reserve: Industrial and Commercial Bank of China Limited Beijing, Peoples Republic of China URL: http://www.federalreserve.gov/newsevents/press/orders/orders20080805a1.pdf China Daily: ICBC URL: http://www.chinadaily.com.cn/china/200707/24/content_5442270.htm