During the last few years, ICBC has lent more financial support for modern service sector. The strategic move is a response to the China's economic restructuring and transformation of the growth pattern. According to statistics, ICBC's balance of loans extended to modern service sector surged 41% from the beginning of the year to over RMB 1.1 trillion at the end of 2012. ICBC is the largest commercial bank in China in providing loans to this sector. Especially small-and-medium enterprises (SMEs) engaged in modern services, they remain a clear focus of ICBC. 89% of ICBC loans to 48,300 modern services companies went to small-and-medium enterprises with an outstanding loan balance of 78%.

Modern service sector is defined as a service sector with high added value, high technology and high growth. Modern services companies use modern technologies and management means to adapt to economic restructuring and consumption structure upgrade. Range of modern services includes both emerging services and modernization of conventional services. There are many sub-sectors under modern services industry who need different types of financial services due to their unique characteristics. In light of this, ICBC offers tailored solutions to every sub-sector. Even in the same sub-sector, ICBC offers customized solutions depending on areas and business characteristics of the companies. Modern logistics companies, for example, are the most typical production service companies. Logistic industry is moving to integrated logistics based on information technology. ICBC offers trade finance solutions to logistics companies and their companies in the upstream and downstream.

Currently, modern services companies under ICBC support cover many sub-sectors - wholesaling/retailing, commercial services, tourism, modern logistics, leasing, social services, medical and health, education/R&D, information services and software. Besides loans, ICBC also offers a range of comprehensive services including investment banking, electronic banking, settlement, cash management, corporate deposit, corporate annuity, bond underwriting, asset custody and personal banking.