☆ Introduction
Personal large-denomination certificate of deposit refers to the book-entry large-denomination certificate of deposit issued by the Bank to personal customers and denominated in RMB.

☆ Notice of issuance
Notice on the Issuance of the First to Sixth Issues of Personal Large-denomination Certificates of Deposit in 2022.

☆ Channel
Our outlets, internet banking, mobile banking and telephone banking (95588) are available.

☆ Interest rate on deposits
Please see the product specifications of personal large-denomination certificates of deposit issued by the Bank.
In case of adjustment to national laws and regulations or regulatory policies, the adjusted product elements should prevail.

☆Operation guide
1. Product purchase: You may conduct the business of personal large-denomination certificate of deposit in an outlet based on valid identity documents. If you entrust another person to conduct the business, the identity certificate of the agent should also be provided. You can also purchase personal large-denomination certificate of deposit through internet banking and mobile banking channels registered over the counter.
2. Withdrawal: You can withdraw money at the outlet with your bank card or passbook. If the withdrawal exceeds RMB200,000 (inclusive), you must make an appointment with the withdrawal outlet at least one natural day in advance. If you want to withdraw in advance, you need to provide your identity card. If an agent is entrusted to conduct withdrawal business, the identity certificate of the agent should also be provided. For personal large-denomination certificates of deposit purchased through electronic channels of the Bank, you can also make withdrawal through internet banking and mobile banking channels registered over the counter.