Advantages: 1. Generally speaking, the attitude is generally very good; 2. The service and related supporting measures are relatively standardized and strict; 3. The store decoration is good; 4. The store is not too crowded with people handling business and the waiting time is short; 5. Most importantly

The important thing is that they operate very cautiously, so customers' deposits are more secure.

Disadvantages: On the one hand, they are not willing to give up profits. For example, all regular interest rates of ICBC and some other banks are now increased by 20%.

Bank of Communications does not. There is a big difference between what the advertisement says and the reality. For example, they will not increase the price for the 5-year term. Although the price will increase for the 3-year term, early withdrawal is not allowed in the middle.

On the other hand, we cannot suffer a loss.

In fact, as far as attitude is concerned, it is relative and superficial. Smart people will not take it seriously.

A good attitude only counts as good training and decoration.

This is why in general, the attitude is good, but if the customer does not repay the money in time, the attitude will be owed. The reason is that the customer does not dare to suffer losses.

This may be the reason why Bank of Communications has fewer and fewer stores and is becoming more and more biased.

Bank of Communications was founded in 1908 (the 34th year of the reign of Emperor Guangxu). It was one of the four early banks in China and one of the early note-issuing banks in China.

Bank of Communications adheres to the business philosophy of "development is the hard truth and the first priority; quality is the hard constraint and the first responsibility; efficiency is the hard task and the first goal", and always attaches equal importance to business development and risk control, and implements the following policies:

An incentive and restraint mechanism with economic capital performance assessment as the core; a comprehensive risk management system has been established; the organizational structure reconstruction and vertical transformation of business management have been promoted; and a data centralization project that is at the leading level in the country has been built.

At the same time, in accordance with the requirements of "mutual understanding and mutual accommodation, mutual benefit, long-term cooperation, and common development", Bank of Communications and HSBC have close and fruitful cooperation. Advanced concepts, technologies, and products are continuously introduced, which will greatly improve Bank of Communications' operations.

The level of management has had a very positive impact.

Excellent financial services.

Bank of Communications gives full play to its own advantages and continuously explores and innovates in the fields of financial products, financial instruments and financial systems, forming a business system with comprehensive product coverage and advanced scientific and technological means, through "one-to-one" services at traditional outlets and a full range of modern electronic services.

The combination of channels provides customers with comprehensive and thoughtful professional services in the fields of corporate finance, private finance, international finance and intermediary business.

Bank of Communications focuses on providing high-quality services to mid-to-high-end customers, and provides high-value-added services and products to high-end and mid-end customers under the brands of "Ward Wealth" and "BoCom Wealth Management" respectively.

It has a number of brands represented by "Foreign Exchange Treasure", "Ward Wealth Account", "BoCom Wealth Management Account", "Yuntong Wealth", "Pacific Card", "National Connect", "Zhan Ye Tong" and "Fund Supermarket".

The first batch of brand products enjoy a high reputation in the market, and the market share ranks among the best in the industry.

The "Chinese's Global Card" - Pacific Dual Currency Credit Card, launched in cooperation with strategic partner HSBC, currently has 7.77 million registered cards.

In terms of comprehensive operations, Bank of Communications established Bank of Communications Schroder Fund Management Company in August 2005 as a joint venture with Schroder Group, the world's top asset management company. It was one of the first banking fund companies in China; in 2007, Bank of Communications merged and reorganized

Hubei International Trust and Investment Co., Ltd., with regulatory approval, initiated the establishment of BoCom Financial Leasing Co., Ltd., and established BoCom International Holdings Co., Ltd. and its subsidiaries, BoCom International Asia Co., Ltd., BoCom International Securities Co., Ltd., and BoCom International Securities Co., Ltd. in Hong Kong.

Yin International Asset Management Co., Ltd. has taken solid steps in the field of comprehensive operations.

In 2008, Bank of Communications successfully invested in Changshu Rural Commercial Bank and initiated the establishment of Dayi Bank of Communications Xingmin Rural Bank.

Good financial condition.

Seizing the favorable opportunity to enhance its brand and market image after its successful overseas listing, Bank of Communications has accelerated its business expansion, fully demonstrated its operational vitality, achieved healthy, rapid and coordinated development of various businesses, increasingly enhanced its comprehensive strength, and its financial position is at the leading level among its domestic peers.

As of the end of 2008, Bank of Communications' total assets were 2.68 trillion yuan; the capital adequacy ratio was 13.47%; the return on average assets (ROAA) was 1.19%; the return on average equity (ROAE) was 20.10%; and the impaired loan ratio was 1.92

%.

Bank of Communications ranks 66th among the world's 1,000 largest banks in terms of total assets, and 54th in terms of Tier 1 capital.

The profound cultural heritage has created the 100-year glory of the Bank of Communications, and the 100-year-old Bank of Communications has embarked on a new journey.