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Feb 18, 2008

English Chinese translation sample-personal banking

(Edited by freelance Chinese translator li – English to Chinese translation or Chinese to English translation services- financial translation)

III. Personal Banking
ICBC owns the largest personal banking customer base in China, with its main business maintaining a leading role. According to the People's Bank's statistics, by the end of 2006, ICBC's personal loan and deposit balance ranked No. 1 among all the commercial banks in China, respectively taking a market share of 15.0% and 19.7%.


By the end of 2006, the balance of personal savings deposit was RMB 3.314350 trillion, with an increase of RMB 208.052 billion, or by 6.7%. With the development of personal financing service and the activity of the capital market, personal savings deposit tended to grow more slowly. ICBC implemented “The Standardized Personal Credit Marketing Project”, introduced such new products as direct personal house loan, proposed ten measures in upgrading personal credit service and developed steadily personal business loan -- all these facilitated new increase in personal loans. By the end of the year, the domestic personal loans balance reached RMB 576.109 billion, with an increase of RMB 61.067 billion, or by 11.9%.


Motivated by personal financing service, personal intermediary service increased rapidly in 2006 and achieved a net service charge and commission income of RMB 9.489 billion, a y-on-y increase of 58.3%. The personal financing products issued in Chinese and foreign currencies in 2006 totaled RMB 75.49 billion, and increased 2.98 times, which enabled ICBC to become the first Chinese commercial bank officially providing Chinese residents with financial agent services abroad. The personal financing products sold by ICBC in the year amounted to RMB 320.7 billion, an increase of 98.3%,covering the issuing and dealing of government bond and Open-ended Funds, and bank insurance agent service. As the biggest distributing bank, ICBC's sales of Certificate T-Bond took 31.2% of the market volume,its trial sales of Deposit (e-form) T-Bond took 42.18% of the market volume,and its sales of Open-ended Funds reached the total amount of RMB197.3 billion, an increase of 2.8 times. ICBC initiated in the domestic market the “Defined Fund Investment Plan” and the first foreign currency fund, achieved a centralized bank-insurance cooperation system, and completed an annual sales record of premium for bank insurance products of RMB 45.9 billion, an increase of 46%. Elite Club Account service had an overall upgrade, and by the end of the year, there were 2.36 million clients with the account, an increase of 25.5%. Among the customer managers there were 2,078 financial specialists and this is a leading figure in the trade. ICBC has improved the remittance services, and launched new functions such as roaming remittance and foreign currency remittance. It achieved in 2006 a personal settlement volume of RMB 8.52 trillion, an increase of 19.3%.


In 2006, ICBC's bank card consumption amount and cross-trade transaction volume remained first among the banks. It issued 188.63 million cards, an increase of 29.9%, with an annual consumption amount of RMB370 billion, an increase of 53.5%. Among the cards issued 10.47 million were credit cards, with an annual consumption amount of RMB 105 billion, thus ICBC was the largest credit card issuing bank in China, with its total bank card intermediary service income of RMB3.228 billion, an increase of 37.6%. It launched sequentially the 2006 World Cup Theme Card, The Euro Credit Card, the ICBC Corporate American Express Card, the Peony UnionPay Card, and other new products, ranking itself among the banks issuing the most comprehensive credit card brands.


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