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ICBC 2013 Business Overview

[Corporate Banking]

In 2013, the Bank actively responded to changes in the external environment and continuously pushed forward transformation and structural improvement of corporate banking business by centering on customers and markets, hence maintaining the trend of stable development of corporate banking business. It promoted all-product marketing and comprehensive services, strengthened the connection between domestic and foreign currencies, of home and abroad and between commercial banking and investment banking services and expanded businesses including bond underwriting, asset management, syndicated loans, M&A, entrusted loan and financial leasing, so as to satisfy the demand for diversified financial services of various corporate customers. In addition, the Bank strengthened product and service innovation, advanced the building of differentiated marketing service system, appointed more customer managers and held more training sessions, so as to promote its service for high-quality customers, continuously expand target customer groups, improve customer structure and enhance pricing level. As at the end of 2013, the Bank had 4,735 thousand corporate customers, representing an increase of 357 thousand over the end of the previous year. Among them, 136 thousand corporate customers had loan balances with the Bank. According to statistics from PBC, at the end of 2013, the Bank ranked first in the banking industry in terms of corporate loans and the balance of corporate deposits, with a market share of 11.5% and 12.0%, respectively.

Corporate Deposits and Loans
Facing with economic, financial and regulatory environments and changes in the macro-control policies of China, the Bank strengthened capital constraint and maintained moderate aggregate amount increase and balanced pace of lending. It actively supported reasonable credit demands of the real economy and key national projects under construction and continuing construction. Besides, the Bank increased loans extended to advanced manufacturing, modern service industry, new urbanization area, basic industries, energy and resources, energy saving and environmental protection industries, M&A, agro-related sectors and other areas, and supported the "Going Global" efforts of Chinese-funded enterprises. It strictly controlled credit risks in key areas and total financing amount of overcapacity industries. The Bank also accelerated the upgrading of trade finance business to the model of supply chain finance and actively supported SMEs by innovatively providing financing plans to the electronic supply chain. It promoted the development of resource-supporting structured financing business and "project+financing" business and carried out overseas M&A loan business in fields such as energy, minerals and machinery. The Bank was awarded the title of "Best Corporate Bank in China" by Global Finance. At the end of 2013, the balance of corporate loans reached RMB7,046,515 million, representing an increase of RMB713,937 million or 11.3% over the end of the previous year.

The Bank vigorously expanded new customers, strengthened marketing to industrial chain cluster, urban circle cluster and specific customer cluster, and consolidated its advantages in customer base, hence maintaining stable deposits. It promoted all-product marketing and leveraged on its advantages in diversified financial services such as corporate wealth management, cash management, E-banking and assets custody to sharpen its market competitiveness in corporate deposits business. Responding to interest rate liberalization, the Bank improved its interest rate management system, refined the differentiated pricing mechanism for key customers and enhanced the pricing level for deposits. As at the end of 2013, the balance of corporate deposits amounted to RMB7,503,497 million, representing an increase of RMB595,252 million or 8.6% when compared to the end of the previous year.


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