1. Expand the loan business: ICBC can expand the loan business by increasing the loan investment, raising the loan interest rate and increasing the loan amount, so as to increase the loan interest income.

2. Develop deposit business: ICBC can attract more deposits and increase deposit interest income by raising deposit interest rate, introducing deposit products to attract customers and strengthening deposit marketing.

3. Increase fee income: ICBC can increase non-interest income by increasing fee income, such as credit card fee and bank card fee.