Through effective integration of CITIC Group’s internal and external resources, CITIC Bank has gradually built a comprehensive private banking product line with a wide range of products that meet the diversified financial needs of customers. A private banking customer service team, consisting of investment consultants and wealth consultants, taps into asset allocation methodologies to help customers build and dynamically manage portfolios. Its major offerings include cash management products, fixed income products, equity investment products, alternative investment products, family trusts, and discretionary investment management.

CITIC Bank has also created five major membership clubs (Investors Club, Health Care Club, Future Leaders Club, Enjoyable Life Club, and Travellers Club) for private banking clients. With professional consultation, value-added services and special events, CITIC Bank has built a unique platform of differentiated services for its clients. In addition, CITIC Bank also launched a ‘Diamond Concierge’ exclusive service for premium customers, aimed at providing the ultimate experience with one-on-one exclusive service which covers the diversified needs of each client and supports communication via WeChat, telephone, SMS and email, among other channels.

In the future, CITIC’s private bank will continue to adhere to a customer-centric service concept as well as enhance customer experience in products, services, and events. In terms of products, great efforts have been made to establish brands including ‘CITIC Wealth Index’ and ‘CITIC Selects’ which offer a general asset allocation system and dynamic adjustment strategies. Meanwhile, by utilising key products and businesses such as family trusts and discretionary investment management, the bank assists in facilitating family wealth growth for its clients. And in terms of service, it has actively ramped up its private banking centres in branches and cultivated professional product managers, wealth consultants, investment consultants, and specialist teams providing services according to the 1+1+N model. Regarding events, the bank constantly enriches special activities with the support of its ‘standardised + personalised’ system. Furthermore, CITIC has continuously developed its private banking brand and upgraded its management skills as part of the comprehensive ‘financial + non-financial’ service plan on offer to private banking customers.

中信银行通过有效整合中信集团内外部资源，逐步构建了私人银行专属、完整的产品线，产品种类丰富，产品线完善，满足客户多样化的理财需求。由投资顾问、财富顾问所组成的私人银行客户服务团队，运用资产配置的理念与方式方法，协助客户构建、动态管理产品组合。中信银行私人银行的产品体系主要包括：现金管理类产品、固定收益类产品、权益投资类产品、另类投资产品、家族信托、全权委托等。

中信银行为私人银行客户打造了投资者、健康养生、未来领袖、悦动人生、旅行家五大俱乐部，从金融和非金融两个维度，通过专家咨询、增值服务和市场活动，为私人银行客户搭建差异化服务平台。除此之外，中信银行还针对超高端私人银行客户推出“钻石管家”专属服务，创新打造极致客户服务体验，实现1对1专属服务，0时差及时响应，7*24小时无间断，专注提供个性化服务，涵盖客户多样化需求，微信、电话、短信邮件随时沟通。

未来，中信银行私人银行将继续秉承“以客为尊”的客户服务理念，从产品、服务、活动等维度提升客户体验。在产品方面，着力打造“中信财富指数”与“中信产品精选”等品牌，为私行客户提供大类资产配置体系及动态调整策略；同时，利用家族信托、全权委托等重点产品与业务，帮助私行客户实现家族财富的增长。积极推进分行私人银行中心建设，打造专业的私人银行产品经理、财富顾问、投资顾问和专家团队，为私人银行客户提供1+1+N的服务模式。不断丰富市场和品牌活动内容，搭建“标准化+个性化”的活动体系。不断强化中信私人银行品牌，提升私人银行业务经营能力，为私人银行客户提供“金融+非金融”的全方位服务方案。

As one of the pioneers in China’s private banking industry, CITIC Bank has been adhering to the brand proposition of ‘protecting the warmth (信守温度)’ since its private banking business was launched in 2007 and continuing with the idea of ‘protecting the warmth with faith (用信念守护传承的温度)’. After years of exploration and practise, the bank strives to achieve a harmonious balance between customer asset return and investment risk management. As of now, the number of CITIC’s private banking customers has exceeded 36,800, with a three-year CAGR of 28%, while assets under management have exceeded RMB 500 billion with a three-year CAGR of 24%. The bank leads the industry in terms of growth numbers and the size of its client base, and exhibits great momentum going forward.

作为中国私人银行业的先行者之一，中信银行自2007年开展私人银行业务以来，秉承“信守温度”的品牌理念，坚持“用信念守护传承的温度”。经过多年积极探索与实践，努力实现客户资产收益与投资风险的和谐平衡。截至目前，中信银行私人银行客户人数已突破3.68万人，近三年复合增长率28%；管理资产规模超过5000亿元，近三年复合增长率24%。客户数量和规模增长速度位于同业领先水平，呈现出良好的增长态势。