With major state-owned banks currently offering a one-year fixed deposit rate of just 0.95%, a 10,000 yuan deposit earns less than 100 yuan in interest after a full year—not enough to cover a single meal for a family of three. As deposit yields continue to decline, household savings are accelerating their shift toward non-deposit financial products like wealth management and insurance. In response to this industry trend, major commercial banks in China are prioritizing large-scale wealth management as a core transformation track, viewing it as a key lever for upgrading retail business. According to informed sources, to precisely match the increasingly diverse and evolving wealth management needs of residents, CBHB (09668) has integrated large-scale wealth management into its core strategic layout, carving out a unique transformation path suited to its own development. This approach steadily drives efficiency, quality, and stable growth in its retail wealth management business.

Expanding the Matrix to Create More "Baskets" for "Eggs"

A classic consensus in the wealth management circle is: "Don't put all your eggs in one basket." The core idea is to diversify and reduce investment risk through multi-asset allocation, and achieving this requires having a sufficiently rich and suitable set of investment "baskets." For banks, winning customer trust and meeting their wealth allocation needs hinges on building a robust and reliable financial product system, ensuring every client's funds are safely placed and steadily grow. This is the core competitiveness of bank wealth management. CBHB consistently adheres to a customer-centric approach, continuously refining its full-category wealth product configuration capabilities. Its business covers multiple areas including wealth management, funds, insurance, trusts, and precious metals. The bank has completely abandoned the traditional mindset of single-product promotion. Leveraging a comprehensive and diverse product line, it builds layered, balanced, and personalized asset allocation plans for clients with varying risk appetites and capital sizes. Strategically, CBHB has clearly designated large-scale wealth management as the main direction for its retail banking, restructuring service processes and updating business concepts around clients' full life-cycle wealth management needs, laying a solid foundation for long-term business upgrades.

Precise Matching to Find the Right Wealth Product for You

In the current retail banking market, the differentiation in clients' wealth management needs is becoming increasingly pronounced. To secure a market position and deliver quality service, banks must adapt to local conditions and leverage their unique strengths to build distinct advantages. Currently, CBHB's wealth management agency sales scale is steadily climbing, and its product shelf continues to expand, with nearly 500 wealth management products on offer. These fully cover mainstream investment tenors and product types, catering to the investment needs and rhythms of various clients. Its wholly-owned subsidiary, Boyin Wealth Management, serves as the core support for the parent bank's wealth management product system. It primarily offers cash management and fixed-income products, precisely capturing the demand for deposit diversion. Amid volatile market conditions, it provides clients with stable and reassuring investment options. On the product supply side, CBHB continuously deepens its capabilities in personalization, differentiation, and customization, adhering to a core investment strategy of "fixed income as the base, multi-asset allocation." It dynamically optimizes its product layout in response to market trends. Additionally, the bank has established deep cooperation with 16 leading wealth management companies, including CCTIB Wealth Management, Everbright Wealth Management, SPDB Wealth Management, and CEB Wealth Management, integrating top industry resources to comprehensively meet the refined asset allocation needs of different client groups. Beyond providing quality products, CBHB has simultaneously upgraded its supporting services, positioning wealth management service iteration as a core driver of retail business growth, and continuously enhancing its wealth management brand. Relying on its rich product matrix, the bank implements a refined customer segmentation and management model, precisely reaching different client groups, effectively boosting customer activity and long-term engagement stickiness. Risk control is the bottom line for wealth management services. CBHB consistently adheres to strict risk control lines and a prudent investment philosophy, with its industry reputation steadily rising. The market perception that "to buy wealth management, go to CBHB" is deeply ingrained. Boyin Wealth Management has successively won multiple authoritative industry awards, including the Golden Bull Award, Golden Wealth Management Award, and Golden Toad Award. These accolades are both a high recognition of its professional research and service capabilities and strong evidence of its growing brand influence and market reputation. In investor companionship services, CBHB adheres to the original intention of "safeguarding client wealth and growing together." It implements tiered investor education: providing basic wealth management knowledge for the general public to build financial literacy; delivering real-time market analysis and product performance reports for advanced investors to support informed decision-making; and focusing on risk prevention education for elderly clients to protect their property safety. Whenever significant market volatility occurs, the bank promptly releases professional analysis and scientific response suggestions, guiding clients toward rational investment and minimizing losses from irrational redemptions, fulfilling its brand service promise with professionalism and responsibility.

Precise Empowerment to Diligently Safeguard Public Wellbeing

The continuous upgrade of financial products and services relies on precise client insight and deep empowerment from digital technology. CBHB focuses on two core areas: refined customer group management and intelligent marketing. It injects new momentum into its wealth business through digital transformation, serving residents' needs for wealth preservation and appreciation, and diligently safeguarding their wellbeing. At the customer group management level, the bank deeply analyzes the wealth characteristics, investment preferences, and capital needs of different groups, continuously improving its specialized product system. For new clients and payroll customers, it offers daily open and cash management products suitable for daily liquidity management. Focusing on retirement planning groups, it creates exclusive pension wealth management products that align with needs for stable preservation and long-term planning. Its flagship products, "Cai Shou You Lue" and the "Fixed Income Plus" series, comprehensively cover investors with conservative, balanced, and aggressive risk preferences. This full-category layout lays the foundation for clients' diversified asset allocation. In terms of digital services, CBHB leverages an intelligent service system to create a personalized, "thousand-person, thousand-face" service experience. Based on each client's asset status, investment habits, and needs, it precisely pushes relevant financial products and wealth management information. Simultaneously, it continuously iterates and optimizes its mobile banking app, simplifying online processes and improving interface interaction for efficient business handling. This allows clients to complete various wealth management operations from home, enjoying convenient, efficient, and worry-free online financial services. The bank consistently prioritizes client service experience, using refined digital services to earn client trust and solidify long-term relationships. Standing at the new starting point of being one of the "Nine Major Banks" in retail banking, CBHB adheres to the principles of finance serving the people, benefiting the people, and being convenient for the people. It strictly maintains compliance management and stable development as core bottom lines. By continuously integrating top industry resources, refining its product system, upgrading service models, and enhancing professional capabilities, the bank persistently provides a more professional, thoughtful, and comprehensive full life-cycle wealth management service for its broad client base.