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中国工商银行股份有限公司通过持续努力和稳健发展，已经迈入世界领先大银行行列，拥有优质的客户基础、多元的业务结构、强劲的创新能力和市场竞争力。业务跨越六大洲，境外网络扩展至41个国家和地区，通过17,122个境内机构、338个境外机构和2,007个代理行以及网上银行、电话银行和自助银行等分销渠道，向509万公司客户和4.65亿个人客户提供广泛的金融产品和服务，形成了以商业银行为主体，综合化、国际化、信息化的经营格局，继续保持国内市场领先地位。2014年，获评英国《银行家》“全球最佳银行”，蝉联《银行家》全球1000家大银行榜首及美国《福布斯》杂志全球企业2000强全球最大企业。

经营概况

2014年末，总资产206,099.53亿元，比上年末增加16,922.01亿元，增长8.9%；总负债190,726.49亿元，比上年末增加14,333.60亿元，增长8.1%；全年实现净利润2,762.86亿元，增长5.1%，平均总资产回报率(ROA)为1.4%，加权平均净资产收益率(ROE)为19.96%，核心一级资本充足率为11.92%，一级资本充足率为12.19%，资本充足率为14.53%。营业收入6,588.92亿元，增长11.7%，其中利息净收入4,935.22亿元，增长11.3%，非利息收入1,653.70亿元，增长13%；营业支出2,922.80亿元，增长18.5%，其中业务及管理费1,762.61亿元，增长6.6%，成本收入比下降1.28个百分点至26.75%。

牡丹卡

中国工商银行发行的银行卡统一命名为牡丹卡。“牡丹卡”是中国工商银行注册的第一个金融产品商标。

1987年10月，工商银行广州分行正式发行了全行第一张地区性信用卡，并命名该卡为“红棉卡”。红棉卡以红棉花（广州市花）和稻穗（广州简称穗）为卡标，以广州海珠桥为底图，分为金卡和银卡两种，金卡以金色为底色，银卡以灰色为底色。红棉卡具有储蓄、转账和透支功能，在广州和市辖番禺县的范围内通存通取、转账和消费。

中国工商银行于1989年10月15日正式发行牡丹信用卡，同年底加入万事达卡国际组织（MASTERCARD），1990年初加入威士国际组织（VISA）。1989年2月，工商银行确定以“牡丹”为工商银行信用卡名称，取牡丹花国色天香、富贵吉祥，以表达对持卡人的美好祝愿；借“牡丹花花中之王”的地位，寓意“牡丹卡卡中之冠”的前景，表达了工行人志在夺冠的勇气和信心。首张牡丹卡以深铜色为底案，烫金的牡丹花，雍容华贵，具有大行风范；主要功能包括信用消费、存取现金和转账结算，分为金卡和银卡两种。1989年10月15日，工商银行在北京、天津、上海和广州正式发行牡丹信用卡；之后15天左右，第一笔持卡人签约的消费单回到北京分行，这宣告了牡丹卡首发成功。随着牡丹卡的推出，红棉卡作为地方性的信用卡也逐步转换成牡丹卡。

Through continuous efforts and steady development, industrial and Commercial Bank of China Co., Ltd. has entered the ranks of the world's leading banks, with high-quality customer base, diversified business structure, strong innovation ability and market competitiveness. Its business spans six continents, and its overseas network has expanded to 41 countries and regions, through 17122 domestic institutions, 338 overseas institutions and 2, 007 agent banks, online banking, telephone banking, self-service banking and other distribution channels provide a wide range of financial products and services to 5.09 million corporate customers and 465 million individual customers, forming a comprehensive, international and information-based business pattern with commercial banks as the main body, and continue to maintain the leading position in the domestic market. In 2014, it was awarded "the best bank in the world" by the British banker, the top 1000 banks in the world by the banker and the top 2000 global enterprises by Forbes magazine. Business overview by the end of 2014, the total assets were 20609.953 billion yuan, an increase of 1692.201 billion yuan, or 8.9% over the end of the previous year; the total liabilities were 19072.649 billion yuan, an increase of 1433.360 billion yuan, or 8.1% over the end of the previous year; the net profit for the whole year was 2, 76.286 billion yuan, up 5.1%, with an average return on total assets (ROA) of 1.4%, weighted average return on net assets (ROE) of 19.96%, core tier one capital adequacy ratio of 11.92%, tier one capital adequacy ratio of 12.19%, and capital adequacy ratio of 14.53%. The operating revenue was 658.892 billion yuan, an increase of 11.7%, of which the net interest income was 493.522 billion yuan, an increase of 11.3%, the non interest income was 165.370 billion yuan, an increase of 13%; the operating expenditure was 292.28 billion yuan, an increase of 18.5%, of which the business and management fees were 176.261 billion yuan, an increase of 6.6%, and the cost income ratio decreased by 1.28 percentage points to 26.75%. The bank card issued by industrial and Commercial Bank of China is named peony card. "Peony card" is the first financial product trademark registered by industrial and Commercial Bank of China. In October 1987, Guangzhou Branch of industrial and Commercial Bank of China officially issued the first regional credit card of the whole bank and named it "red cotton card". Red cotton card takes red cotton (Guangzhou city flower) and rice spike (Guangzhou abbreviated as spike) as the card mark, and Guangzhou Haizhu bridge as the base map. It is divided into gold card and silver card. Gold card takes gold as the base color, and silver card takes gray as the base color. The red cotton card has the functions of saving, transferring and overdraft. It can deposit, transfer and consume within the scope of Guangzhou and Panyu County under the jurisdiction of Guangzhou. Industrial and Commercial Bank of China officially issued peony credit card on October 15, 1989, joined MasterCard at the end of the same year and visa at the beginning of 1990. In February 1989, industrial and Commercial Bank of China decided to take "Peony" as the name of the credit card of industrial and Commercial Bank of China to express its best wishes to the cardholders. Taking the position of "the king of peony flowers", it implied the prospect of "the top of peony card", and expressed the courage and confidence of the workers in winning the title. The first peony card is based on the deep copper color. The bronzed peony is elegant and has the style of great business. Its main functions include credit consumption, cash deposit and withdrawal and transfer settlement, which are divided into gold card and silver card. On October 15, 1989, industrial and Commercial Bank of China officially issued peony credit cards in Beijing, Tianjin, Shanghai and Guangzhou. Then, about 15 days later, the first purchase order signed by the cardholder returned to Beijing Branch, which announced the success of the first peony card launch. With the introduction of peony card, red cotton card as a local credit card is gradually converted into peony card.

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