In recent years, ICBC has consistently accelerated the innovation and development of its asset management business to improve its value creation capability, and facilitate the preservation and appreciation of customers' asset value, and growth of customers’ income from assets. Statistics shows that in 2014 the Bank generated returns on wealth management (WM) and investment worth over RMB 68 billion for its customers, representing a year-on-year growth of around 20%.

An ICBC official said that in generating WM returns to customers, the Bank also made significant progress in the innovation of its WM service. First, around 80% of its WM products shifted from a term-specific to a net-value nature. Compared with term-specific products, the Bank's net value-based products such as Zeng Li, Zun Li and Wen Li can better reflect its asset management capabilities. Without a fixed term, such products allow customers to purchases at any time based on their own demand and have a flexible control over their funds, thus further boosting the WM convenience for customers. Second, it launched over 10 new innovative products, including e-Link, asset custody WM express, Wen Li series, Tong Li series, quantitative investment and T-bond futures, among which, the “e-Link” product released on the back of Internet finance is the only WM product in the market that can be redeemed and confirmed real-time by customers around the clock. Its liquidity notably outdoes other similar products available in the market and is well received by customers. Third, by seizing the investment opportunities from the mixed ownership reform, the Bank successfully invested in a number of projects, including the mixed equity ownership reform of Sinopec. Four, it laid a solid foundation for its overseas asset management business, issued publicly offered funds in Europe, and further developed both QFII and RQFII businesses.

Moreover, ICBC has actively promoted the development of inclusive WM services (including issuing a number of exclusive county-specific WM products and launching the super POS terminals at regions not yet covered by its outlets), making its best endeavors to serve customers in West China, county-level and remote areas. In terms of purchase channels for WM products, the Bank has realized Internet-based sales of all WM products which are in compliance with regulatory requirements, and further broadened service channels by selling such products via its e-commerce platform “eBuy” and other online venues.