Debt business				Institution financing business				Intermediary business

Forex Interest-Bearing Asset Deposit

【Brief Introduction】

30% of working capital of a foreign-funded bank can be deposited in Chinese banks as interest-bearing assets. As a vibrant and dynamic joint-stock commercial bank, our bank attaches great importance to this business cooperation and makes a solemn commitment to provide foreign-funded banks with preferential interest rates and first-class service.

【Applicable Object】

Foreign-funded banks’ branches in China.

【Business Features】

Interest rates on large-amount forex deposits can be agreed on by both parties. Our bank can provide customers with deposit quotations for different terms from 6 months to 5 years, and interest rates on deposits can select floating interest rates or fixed interest rates as per customer needs.

Deposits of floating interest rates have a deposit term from 6 months to 5 years. Interest can accrue on the basis of the 3-month or 6-month LIBOR rate with a deduction of 12.5 basic points and be settled as per the floating period. This kind of interest rates on deposits can provide appropriate preferential treatment in accordance with overall business cooperation between the customer and our bank.

Deposits of fixed interest rates have a deposit term from 6 months to 5 years. Interest accrues on the basis of the middle rate of CHIBOR SWAP with a deduction of 20 basic points, and is paid once every six months.

【Notice】

Obtain preferential interest rates on deposits, at the same time obtain higher returns by combining our bank’s business of forex wealth management; no risk for this business.

RMB Interest-Bearing Asset Deposit

【Brief Introduction】

RMB interest-bearing assets of foreign-funded banks can exist in two forms: the first form is fixed deposits with a term of over six months; the second form is RMB treasury bonds.

【Applicable Object】

Foreign-funded banks’ branches in China that can handle RMB business.

【Business Features】

Fixed deposit: under the situation that interest rates on fixed RMB deposits can only follow the relevant provisions of the People’s Bank of China, our bank can provide returns through other business cooperation. E.g. our bank can provide RMB loans with more preferential interest rates to lower Institution financing costs of foreign-funded banks.

RMB treasury bond investment: our bank can provide foreign-funded banks with agency RMB bond settlement, serve as an agent to purchase RMB bonds on behalf of foreign-funded banks, and provide information consulting service, etc.

【Notice】

Obtain high returns through expert consultation on bond investment; no risk for fixed deposits and certain market risk for bond investment.

Interbank Placement

【Brief Introduction】

Interbank deposits refer to deposits made in our bank by non-bank financial institutions including all commercial banks, credit unions, finance companies, trust companies, etc.

【Applicable Object】

Non-bank financial institutions including all commercial banks, credit unions, finance companies, trust companies, etc.

【Business Features】

Due to our bank’s excellent reputation and outstanding business performance, non-bank financial institutions can rest assured to make interbank deposits in our bank to satisfy settlement requirements for business dealings with our bank and provide more channels for fund utilization.

Funds deposited in the bank by various non-bank financial institutions are used for settlement needs.

【Notice】

Satisfy requirements for fund settlement, provide channels of fund utilization, with no risk.

Negotiated Deposit

【Brief Introduction】

In accordance with existing provisions of the People’s Bank of China, negotiated deposits only aim at partial funds with particular characteristics. At present, such funds include insurance funds, social security funds, pension funds and funds of postal savings. Our bank handles negotiated deposits of the above funds in accordance with policy standards and the bank’s asset-liability management requirements.

【Applicable Object】

Insurance companies, social security councils, provincial-level corporate bodies handling social security funds and postal savings and remittance bureaus.

【Business Features】

Negotiated deposits of insurance companies have a term of above 5 years (5 years excluded) and the minimum deposit amount of RMB30 million Yuan, with the deposit term, interest settlement and payment methods and penalties for default determined by both parties through negotiation. Certificates of negotiated deposits of insurance companies can be used for Institution financing pledges.

Negotiated deposits of social security funds must be subject to approval by the People’s Bank of China. Social security councils can make negotiated deposits in our bank in accordance with relevant provisions. The deposit term is above 5 years (5 years excluded), the minimum deposit amount is RMB500 million Yuan and the interest rate is determined by both parties through negotiation.

Negotiated deposits of funds of individual pension insurance accounts are made in our bank by provisional-level corporate bodies handling social security funds. The deposit term is above 5 years (5 years excluded), the minimum deposit amount is RMB500 million Yuan, and the interest rate is determined by both parties through negotiation.

Our bank takes negotiated deposits of funds of postal savings to provide funds of postal savings with value maintenance and appreciation and increase their returns. The deposit term is 3 years (3 years exclude) and the minimum deposit amount is RMB30 million Yuan.

【Notice】

Provide preferential interest rates on deposits and guarantee value maintenance and appreciation of funds. Risk lies in fluctuation of market interest rates.