The standard for our star rating: Our bank assigns stars through a comprehensive assessment of your assets, liabilities, intermediary business handling and risk factors at ICBC. At the same time, our bank also conducts a multi-dimensional analysis of your trading behavior, products held and channels used, etc., and calculates indicators such as your contribution, activity and risk factors in our bank.

You increase assets and liabilities (loans and maintain good repayment records) with our bank, use our bank cards for POS card consumption, and handle transfers and remittances, off-site deposits and withdrawals, and investments with our bank Businesses such as financial management can help improve your star level.

Related indicators and calculations

1. Financial assets

Financial assets indicators consist of two items: short-term assets and medium- and long-term assets. The indicators are calculated as Half-year average daily balance of financial assets.

(1) Short-term assets mainly include: current savings deposits, third-party custody, Linkong Express financial products, money market funds, and credit card deposits. Every 10,000 yuan of short-term assets can earn 135 star points.

(2) Medium- and long-term assets mainly include: time savings deposits (including fixed deposits and fixed deposits), provident fund deposits, financial products (excluding Link Express), funds (excluding money market funds), and treasury bonds , insurance, precious metals (including account precious metals, agency physical gold, branded gold), etc. You can get 100 star points for every 10,000 yuan of medium and long-term assets.

Attachment:

① Precious metal deferral is not included in the calculation of star point value. Here it is said that the deferred asset balance star value of precious metals is not accumulated

② Precious metals in US dollar accounts are calculated based on the highest price on the day (on Saturdays and Sundays, the highest price on Friday is taken) after being converted into RMB.

2. Personal debt

The personal debt indicator consists of three items: personal housing mortgage loans, other personal loans, and card overdrafts. The indicator calculation caliber is the half-year date of each personal debt. average balance.

(1) Each RMB 10,000 personal housing mortgage loan can obtain 100 star points.

(2) Other personal loan indicators include personal consumption loans, personal business loans and other types. Other personal loans can obtain 200 star points for every 10,000 yuan.

Attached note:

Provident fund loans do not currently calculate star points.

(3) The algorithm of personal loan star point value is calculated based on the paid interest, and the star point value is calculated based on the average interest rate. Since different customers enjoy different interest rates, the star points obtained also vary. For example: two customers have an average daily balance of mortgage loans of 1 million for half a year, but the customer with a 30% interest rate receives a lower star point value than the customer with a base interest rate.

(4) 200 star points can be obtained for every 10,000 yuan of credit card interest-bearing overdraft.

3. Intermediary business

The intermediary business indicator consists of three detailed items: investment and wealth management transactions, card consumption transactions, and settlement transactions. The indicator calculation caliber is the cumulative transaction amount in half a year. If the amount of a single transaction exceeds the standard upper limit for handling fees for that business, the upper limit will be used as the amount of the transaction and included in the indicator statistics. If a single transaction has enjoyed our bank's rate discount, the transaction amount will be converted according to the discount rate and then included in the indicator statistics.

(1) Investment and financial management categories

Transaction indicators mainly include: fund purchase and redemption (excluding monetary funds), purchase of financial products (excluding Linkong Express), and purchase of treasury bonds , insurance purchase, account precious metal purchase/sale, physical precious metal purchase/sale, branded gold purchase/repurchase. You can get 200 star points for every 10,000 yuan of investment and financial management transactions.

Attachment:

① The purchase and sale of account precious metals, physical precious metals (including deferred), and brand gold accumulate star points based on the transaction amount * 0.02.

② Foreign exchange trading is not included in the calculation of star point value.

③ Precious metals in US dollar accounts are calculated based on the highest price on the day (on Saturdays and Sundays, the highest price on Friday is used) after being converted into RMB.

④The deferred transaction amount of precious metals refers to the amount after leverage, not the margin.

(2) Card consumption

Transaction indicators mainly include Money Link cards, Elite Club account cards (including ICBC Wealth Management Elite Account Cards), credit cards, credit cards, and quasi-credit cards Cards and other types of transactions generated through POS card consumption. You can get 400 star points for every 10,000 yuan in transaction volume.

Attachment:

① The star points generated by the supplementary credit card transaction will be credited to the primary cardholder’s account.

② Currently, transactions such as house purchases and car purchases with POS cards are included in the star point value. House purchase and car purchase transactions are still included in the Star Points

③For foreign currency accounts in dual-currency credit cards, the Star Points value is calculated based on the foreign currency transaction amount converted into RMB.

(3) Settlement type

Transactions mainly include long-distance deposits and withdrawals, long-distance remittances, inter-bank remittances, etc. You can get 200 star points for every 10,000 yuan in settlement transaction volume.

Attached note:

①Currently does not include cross-border remittances.

②Star points will be calculated only for transactions in which customer handling fees are charged. Transactions that do not charge handling fees due to discounts and other reasons will not be calculated. The specific calculation method is based on the actual handling fee. The star point value obtained from each business is the actual handling fee multiplied by 2.