Liabilities business: RMB deposit; forex deposit; savings traveller's cheque; forex loan; inter-bank RMB and forex deposit; issuance of financial bond.

Assets business: short-, medium-, and long-term RMB and forex working capital loan, fixed assets loan, forex sub-loan; housing development loan; special-purpose loan; consumer loan including auto loan, personal major durable commodity loan, personal housing loan; trust loan and designated loan; instrument discount; T-bonds, policy-related financial bonds underwriting; inter-bank RMB and forex loan; project loan assessment and credit rating.

Intermediary business: RMB cash and transfer settlement; international settlement; agent services (agent collection and payment, corporate bond brokerage services, issuance of stocks and T-bills, clearing, cash and trust services); gold spot transactions, transaction clearing, physical delivery, gold leasing, gold project financing; gold clearing transactions; corporate annuity services; financial bonds brokerage; insurance brokerage; securities and precious items trust services; safe renting; policy-related or other financial brokerage services; RMB and forex bank card business; financial advisory (credit survey; asset appraisal; financial advisory; industry information network services; issuance of RMB deposit statement); forex intermediary services (import L/C; import agent collection; outbound remittance; L/C notification; negotiation; collection; inbound remittance; settlement; forex sale; traverller's cheque; agent forex trade; acceptance and discount of forex instruments; forex guarantee; forex deposit statement; underwriting of forex non-stock securities; agent forex non-stock securities trade; forex exchange; working capital account for projected funded by international financial institutions); financing and performance guarantee; merchants banking (financing consultancy and syndicate loan arrangement; corporate financial advisory; corporate overseas IPO); personal finance; investment fund management, trust and sale; other trustee and trust asset management; corporate credit rating; and other intermediary services.