In addition to deposits and loans, mainly fund business and intermediary business.

Company category

Business of financial institutions

Bank of China pays attention to all-round cooperation with financial institutions, and provides customers with more comprehensive services by recommending customers, sharing resources and jointly developing new products.

The Bank of China also conducts the clearing of dollars, euros and yen through its branches in new york, Frankfurt and Tokyo. The above-mentioned branches and Singapore branch are local tier-one clearing banks.

International settlement and trade financing business

International settlement business is the leading business of China Bank. Bank of China strengthens the linkage between domestic and overseas institutions, and realizes the rapid development of international settlement and trade financing business.

Financial business of other companies

China Bank provides payment and settlement services, mainly including bank draft, promissory note, cheque, remittance, bank acceptance draft, entrusted collection, collection and acceptance, centralized payment, cheque deposit and bill custody.

Personal intermediary business

Personal intermediary business of China Bank includes local and foreign currency remittance, personal settlement and sale of foreign exchange, foreign currency exchange, insurance agency and fund business, receipt and payment business, etc.

Personal settlement and sale of foreign exchange and personal international remittance are the traditional advantages of China banks. Bank of China has continuously expanded its acceptance outlets for settlement and sale of foreign exchange, strengthened cooperation with international remittance companies, and increased sources of foreign exchange business. Further subdivide the personal foreign exchange business market, integrate many foreign exchange products into "one-stop" service, and build the brand of "BOC Hui".

China Bank seized the good opportunity of the rapid expansion of the capital market and the rapid development of various emerging investment products, vigorously developed fund agency and insurance agency business, and realized the leap-forward growth of agency business income.

"BOC wealth management" service

Bank of China actively expanded its personal finance business and devoted itself to the professional construction of "BOC Finance". There are 366 financial centers with unified standards, more than 65,438+0,000 financial studios and numerous financial counters, forming a wide-ranging and multi-level financial service channel for individual customers; Established a professional wealth management team composed of more than 200 financial investment consultants and more than 2,500 wealth management managers to provide customers with professional services such as investment and wealth management solutions and investment and wealth management products; The exclusive VIP channel of BOC Wealth Management will be opened at airports in major cities in China to further improve the customer value-added service system of BOC Wealth Management.

Private banking business

China Bank provides high-net-worth individual customers with personal financial assets of more than US$ 6,543,800+,which has become a new development platform for personal financial services of China Bank. Bank of China's private banking customers and assets under management are growing rapidly, with obvious first-Mover advantage.

Bank card business

China Bank continues to strengthen the research and development, marketing, service and system construction of bank card products.

Channel construction

Bank of China has 10 and 145 outlets in China, which is an important strategic resource for Bank of China. China Bank comprehensively promoted the transformation project of outlets, endowed outlets with core functions by classification, optimized business processes, and implemented key performance indicators assessment.

Bank of China continued to increase investment in ATM and other self-service equipment, and further optimized the layout and functions of the equipment.

Capital business

Global investment

China Bank's global investment mainly includes foreign currency investment and local currency investment.

The foreign currency investments of China banks mainly include government bonds, institutional bonds, credit bonds, mortgage-backed bonds (MBS), asset-backed bonds (ABS) and money market loans.

Global transaction

Bank transactions in China are mainly divided into proprietary trading, market-making quotation trading and related valet trading.

In the market quotation business, Bank of China emphasizes the balance between business development and market liquidity risk control. In the inter-bank market, China Bank maintains a leading position in the fields of settlement and sale of foreign exchange, precious metals, RMB bonds and RMB swaps.

In trading agent, Bank of China actively seized the market opportunity of RMB interest rate rising and exchange rate fluctuation intensifying, and increased the promotion of hedging tools such as forward settlement and sale of foreign exchange and RMB structured interest rate swap, driving the growth of non-interest income.

asset management

Bank of China launched 33 1 local and foreign currency structured wealth management products. 8 products were launched in RMB Asset Management 16.

Debt capital market

China Bank further optimized its customer service, and launched financing consulting business during the year.

Fund trusteeship

China Bank seized the favorable opportunity of the rapid development of the capital market, vigorously expanded fund consignment, custody and various asset custody businesses such as annuity, social security, insurance, QDII, QFII, trust, special account wealth management and direct investment funds, strengthened risk management and internal control, continuously improved the information technology level and service quality of the consignment custody business, and realized the sustained and rapid growth of the fund consignment custody business.

Enterprise annuity management

In 2007, Bank of China successfully obtained the qualification of account manager of enterprise annuity, with dual qualifications of account manager and custodian, which created favorable conditions for the development of enterprise annuity business.