Bank card business ICBC is the largest credit card issuer in China and one of the issuers with the most complete range of credit card brands.

New products such as Euro Credit Card, Peony Express Business Card, Peony UnionPay Card, Peony Sports Card, and the new version of Peony Transportation Card have been launched successively; the establishment of channels such as business outlet service system and VIP customer service center has been promoted; the Bank has actively selected overseas institutions to issue cards as agents, and further strengthened cooperation with

Cooperation with international card organizations.

At the end of 2007, the number of credit cards issued was 23.38 million, with a consumption amount of 161.9 billion yuan, and it continued to maintain its leading market position in both card issuance volume and consumption amount.

The credit card overdraft balance was 8.241 billion yuan, an increase of 59.5%.

By the end of 2009, ICBC had issued more than 52 million credit cards, an increase of nearly 13 million in one year, an increase of 33%. It not only continued to be the number one credit card issuing bank in China, but also surpassed the American Discover Card within one year.

Three world-class credit card giants, American Express and Capital One, have perfectly achieved the "triple jump" and become the world's fourth largest credit card issuer after JPMorgan Chase, Bank of America and Citigroup.

Establish a personal financial service model with debit cards as the platform; leverage on the advantages of one card for multiple accounts and one card with multiple functions of the Peony Money Link Card to strengthen the integration of marketing channels; leverage the payment and settlement role of the Peony Money Link Card to divert counter pressure.

At the end of 2007, the number of debit cards issued was 187 million, an increase of 8.58 million, and the annual consumption volume was 454.3 billion yuan, an increase of 71.4%.

At the end of 2007, the number of bank cards issued exceeded 210 million, an increase of 21.49 million.

Bank card business income reached 4.537 billion yuan, an increase of 40.6%.

ICBC actively promotes the promotion and application of chip cards. As of the end of May 2012, ICBC had issued more than 5.5 million various chip cards, ranking first among domestic peers.

Among them, the number of chip credit cards issued reached 5.38 million, an increase of 1.11 million or 26% from the beginning of the year, and the number of chip debit cards such as Elite Club account chip cards was nearly 130,000.

At the same time, ICBC has also made great efforts to improve the chip card acceptance environment. More than 90% of ICBC's self-service machines can accept chip cards, laying a solid foundation for the further popularization of chip cards.

Compared with traditional bank cards using magnetic stripes, each chip card is equipped with a microcrystalline chip, which greatly increases the card's information storage capacity. It can not only realize all the financial functions of ordinary magnetic stripe bank cards, but also provide customers with

Personalized intelligent services such as offline transactions, contactless transactions, membership management and points management.

At the same time, the chip card has further upgraded its anti-counterfeiting technology and has higher security.

ICBC is one of the earliest commercial banks in China to start research and development of chip bank cards. It has long maintained its leading position in the industry in areas such as chip card technology research and development, industry cooperation, and card issuance scale.

As early as 1995, ICBC issued the country's first smart chip card approved by the People's Bank of China. At the end of 2005, it issued the country's first chip credit card. In 2009, it took the lead among domestic peers in comprehensively promoting chip cards.

By the end of 2010, ICBC had issued more than 9 million chip cards of various types, and 95% of the 450,000 POS machines could accept "magnetic strip plus chip".

While the number of chip card issuances and transactions continues to grow, the application areas of ICBC chip cards are also expanding, bringing many conveniences to residents' daily lives.

The industrial cooperation scope of ICBC chip cards has covered various characteristic fields such as transportation management, railway tickets, highways, commercial co-branding, social security and medical insurance.

Through industry cooperation, ICBC's various chip cards have achieved "one card for multiple uses". Cardholders can not only use it for consumer payments, but also enjoy life services such as aviation, railways, buses, highways, and social security.

Value-added services.

For example, in March 2009, the Industrial and Commercial Bank of China officially issued an innovative bank chip card product for the railway system - the "Guangshen Railway Financial Chip Card". Cardholders can "swipe their card and go" when taking the "Harmony" EMU on the Guangshen Railway.

Go", no need to queue up to buy tickets and wait for the bus.

The card has been widely welcomed by customers since its launch. In just one year, 100,000 cards were issued, with consumption reaching 1.5 billion.

The "one card, multiple functions" chip card launched by ICBC will become the direction of upgrading and upgrading of China's bank cards in the future.

Photo album source Electronic banking continues to maintain market leadership in channels, products, customers and market brands.

By the end of 2007, 4,013 branches had established e-banking service areas; the number of e-banking customers was 80.96 million; the transaction volume achieved leapfrog growth, reaching 102.88 trillion, an increase of 127.5%; the number of business transactions accounted for 10% of the entire bank's business

The number of transactions was 37.2%, and the role of diversion counter business was further enhanced.

In 2007, corporate online banking achieved a transaction volume of 85.74 trillion yuan, and personal online banking achieved a transaction volume of 4.15 trillion yuan, an increase of 133.8% and 205.1% respectively; personal and corporate online banking customers reached 39.08 million and 980,000 respectively.