Personal financial business is one of the strategic development priorities of Bank of China.

Bank of China continues to improve the management system and operating mechanism of personal financial business, establish a personal financial sector, and strengthen personal business line management; it focuses on promoting the transformation of branch operation methods, the construction of customer tiered service systems, and the reform of retail loan marketing methods and approval processes.

; Strengthen product and service innovation, optimize business structure and income structure, and expand profit sources.

Savings Deposit Business In response to the need to maintain and increase the value of personal financial assets, Bank of China proactively adjusts its business strategies and promotes the coordinated development of savings and financial management businesses.

For personal loan business, Bank of China vigorously promotes “direct customer-style” marketing services and promotes and improves the online centralized approval system.

Personal intermediary business Bank of China's personal intermediary business includes: local and foreign currency remittances, personal foreign exchange settlement and sales, foreign currency exchange, agency insurance and fund business, agency collection and payment business, etc.

Personal foreign exchange settlement and sales and personal international remittance business are the traditional advantageous businesses of Bank of China.

Bank of China continues to expand its acceptance outlets for foreign exchange settlement and sales, strengthens cooperation with international remittance companies, and increases sources of foreign exchange business.

Further segment the personal foreign exchange business market, integrate numerous foreign exchange products into "one-stop" services, and create the "BOC Exchange" brand.

Bank of China has seized the good opportunities arising from the rapid expansion of the capital market and the rapid development of various emerging investment products, vigorously developed fund agency sales, insurance agency and other businesses, and achieved leapfrog growth in agency business income.

"BOC Wealth Management" service Bank of China actively expands personal financial management business and is committed to the professional development of "BOC Wealth Management".

There are 366 unified standard financial management centers, more than 1,000 financial management studios and numerous branch financial management counters, forming a wide-coverage, multi-level financial management service channel for individual customers; a team of more than 200 financial management investment consultants has been established

and a professional financial management team composed of more than 2,500 financial managers to provide customers with professional services such as investment and financial management solutions and investment and financial management series products; exclusive VIP channels for "BOC Wealth Management" have been opened at airports in major domestic cities to further improve "BOC Wealth Management"

Customer value-added service system.

Private banking business Bank of China provides private, exclusive, wealth-creating and high-quality services to high-net-worth individual customers with personal financial assets of more than US$1 million, becoming a new development platform for Bank of China's personal financial business.

Bank of China's private banking customers and assets under management have grown rapidly, with obvious first-mover advantages.

Bank Card Business Bank of China continues to increase its efforts in the research and development, marketing, services and system construction of bank card products.

Channel Construction Bank of China's mainland institutions have 10,145 business outlets and are an important strategic resource for Bank of China.

Bank of China comprehensively promotes branch transformation projects, assigns core functions to branches by category, optimizes business processes, and implements key performance indicator assessments.

Bank of China continues to increase investment in self-service equipment such as ATMs, and further optimizes the equipment layout and functions.