1. Corporate Banking
1. Commercial Banking:
Provide flexible, tailor-made services, including loans, trade finance, cash management, trust and proxy services, factoring and letters of credit for international trade.
2. Capital Markets:
a. Corporate Finance Division: Offer tailor-made services based on clients¡¦ specific funding and financial management needs, including syndicated and structured loans, planning of financial structure, and advisory services on domestic or overseas IPOs and secondary offerings.
b. Financial Markets Division: Design and trade securities, derivatives, and structured products; provide customers with investment and hedging advice to help them minimize risk.

2. Retail Banking
1. Wealth Management:
Provide target clients with financial planning and advisory services regarding asset allocation, as well as access to CFHC¡¦s large variety of financial products.
2. Secured Lending:
Provide individuals with residential mortgages, extend loans to small businesses, and design repo-related products and services for other corporate clients.

3. Consumer Finance:
1. Credit Cards
Aside from credit cards, offer stored value cards and VISA-Debit cards as well. Running both issuing and acquiring business.
2. Unsecured Lending
Provide full range of unsecured loans, such as mail loans for cardholders, personal loans (both term and revolving) for public, and cash cards.