ICBC offers diversified RMB and foreign currency investment and wealth management services so that clients can obtain more fund incomes based on the sound liquidity.

1. T-bond Investment
ICBC can make T-bond transaction on behalf of client and handle relevant trusteeship and settlement business. The service is applicable to clients with demand on investment.
• Offer a moderate investment channel for client, can cash or realize the T-bond before maturity, impawn T-bond, issue deposit credit, or offer other services.
• Current yield is higher than the deposit yield in the same term.

2. Fund Investment
ICBC can make some investment business such as fund subscription, application and redemption. The service is applicable to clients with demand on investment.
• Client can make some investment business such as fund subscription, application and redemption through banking outlets and E-banking system of ICBC.

3. RMB Legal Person Investment Business
Through investment in domestic inter-bank debt instruments such as T-bonds, Central Bank notes, enterprise bonds and short-term financing bonds as well as some innovative investment instruments such as corporate trust financing projects and asset support securities, ICBC offers legal person investment business to clients with relatively high investment incomes. The service is applicable to clients with demand on investment.
• ICBC has launched various "Bond Trading" products, and offers one-to-one wealth management services in accordance with the demand of the client.

4. Physical Gold Transaction
ICBC offers physical gold transaction through Shanghai Gold Exchange, fund liquidation and physical delivery. The service is applicable to the clients with demand on investment, wealth management and presenting gifts.
• ICBC sets delivery warehouses appointed by Gold Exchange in 14 provinces and cities and offers physical gold delivery service for client in the period from T+3 to T+5.
• Offer consultancy service of price and trend of international gold market.

5. Foreign Currency Structured Deposit Business
With financial derivatives, ICBC links the deposit incomes with indicators like agreed interest rate, exchange rate, goods, stocks or credit so that client has chance to enjoy commission wealth management service with more incomes. The service is applicable to clients with certain ability of analysis on financial market.
• Interest rate of structured deposit is higher than that of common fixed deposit.
• ICBC can customize personalized financial products for client and offer real-time market information.

6. Overseas Investment Business
Entrusted by domestic investor, ICBC invests in overseas market with provided financial products in accordance with the investment plan and method agreed in advance, and the earning and risk are undertaken by investor alone or shared by investor and bank in terms of the agreed method. The service is applicable to the legal person clients that want to invest in international financial product market with RMB and have certain risk resistance ability.
• Through overseas investment products, client has chance to invest in international financial market with RMB and find a new overseas investment channel.
• ICBC has launched a QDII overseas investment product in recently——"Oriental Pearl" that offers strong gain and return potentials to investors. As to bonds, ICBC mainly invests in Asian bond market.