1. Corporate and consumer banking includes accepting deposits, deposit and withdrawal accounts, credit cards and other credit services. We are a major provider of housing loans to meet the financial needs of commercial customers with a turnover of up to 20 million yuan. We also sell investment, retirement funds, general insurance and life insurance products through the branch network.

2. Wealth management includes our capital gains, investment management and life insurance business in Australia and New Zealand. Wealth management designs, manufactures and provides services for wealth management products so that customers can build, manage and protect their wealth. These products include managed investment, life insurance, retirement funds and discount brokerage services. We also provide custody and settlement services for institutional clients and fund managers.

3. Western Pacific Institutional Bank (WIB) provides financial services for corporate and institutional clients, and provides help and advice on cash, funds, capital and market risk management for companies and institutions in Australia and New Zealand.

4. New Zealand Retail provides comprehensive retail and commercial services to customers all over New Zealand. It is the main banking service provider for local small and medium-sized enterprises, and also provides banking services for the New Zealand government.

Pacific Bank provides comprehensive deposit, loan, deposit and withdrawal accounts and international trade facilitation services for individuals and commercial customers. In some areas, we also provide finance companies and car loans.