China Construction Bank Corporation (0939)

Overview

Founded in 1954 and headquartered in Beijing, the People's Republic of China, China Construction Bank Corporation (CCB) stands as one of the premier banking institutions domestically and internationally. CCB offers a comprehensive suite of banking and related financial services catering to the nuanced needs of individual and corporate customers. Operating across multiple segments including Corporate Finance Business, Personal Finance Business, Treasury, and Asset Management Business, amongst others, the bank has established a broad and diversified service portfolio. Through its extensive network and innovative approach, China Construction Bank commits to facilitating economic growth and financial inclusion by providing accessible and tailored financial solutions, thereby reinforcing its pivotal role in the global financial landscape.

Products and Services

• Deposits

  CCB offers a variety of deposit services including foreign currency, all in one accounts, RMB, and corporate term and notification deposits. Corporate demand deposits as well as corporate deposits by agreement are also available, satisfying the diverse needs of both individual savers and corporate entities.

• Loan Products

  The bank's comprehensive loan offerings encompass personal business, car, and housing loans. For its corporate clientele, CCB provides SME loans, traditional credits, commercial drafts, buyer credits, and RMB credit line loans, tailored to support growth and operational sustainability.

• Credit Cards

  CCB issues credit cards with a range of benefits, catering to the various preferences and financial requirements of its customers, enabling convenient payment solutions domestically and abroad.

• Investment Products

  For those interested in personal investments, CCB offers physical gold investment opportunities and personal gold accounts. Their wealth management products also provide customers with diverse options to manage and grow their wealth effectively.

• Foreign Exchange Services

  CCB facilitates foreign exchange transactions, offering competitive rates for currency exchange to accommodate the international transaction needs of its clients.

• Securities and Savings Products

  The bank provides certificate treasury and savings bonds, securities deposit accounts, and comprehensive securities services. This includes bank-securities transfer and book-entry treasury bond over-the-counter transaction services, catering to the investment needs of its clients.

• Transactional and Payment Services

  CCB offers a spectrum of payment and collection services including collection, salary payments, third-party collection and payment, insurance agency, and remittance services, streamlining financial transactions for efficiency and convenience.

• International Settlement and Financing

  The bank plays a crucial role in facilitating international trade through its settlement and financing services, offering solutions that meet the global operational requirements of its clients.

• Institutional Services

  CCB serves a range of institutional clients with services designed for government agencies, social security, bank cooperation including bank-securities, bank-insurance cooperation, and services catering to the needs of non-banking financial institutions, reinforcing its position as a key banking partner in various sectors.

• E-Banking Services

  Understanding the importance of digital banking services, CCB provides comprehensive e-banking solutions, enabling customers to conduct transactions, manage accounts, and access financial services conveniently through digital platforms.