1. Institutional Banking
(1) Commercial Banking:
Provide flexible, customer-oriented services, including loans, transaction based financing, cash management, and trade finance.
(2) Investment Banking:
Offer tailor-made services based on clients¡¦ fund raising and financial management needs, including syndicated and structured finance, trust and proxy, and planning of financial structure as well as advisory services on domestic or overseas IPOs and secondary offerings.
(3) Capital Markets:
Assist clients in hedging potential risks and offer them derivative products in standardized or structured form, while making continual efforts to develop a variety of new products. It is also engaged in proprietary trading and securities lending to develop a more extensive product line.

2. Retail Banking
(1) Wealth Management:
Provide high net worth individuals with financial planning and advisory on asset allocation as well as access to CFHC¡¦s financial products of great variety.
(2) Secured Lending:
Provide residential mortgages and other secured loans.
(3) Services to Small Business:
Provide small enterprises with such services as deposits and loans as well as cash management as they mature and grow.

3. Consumer Finance:
Offer unsecured lending services and payment services, including credit cards, stored value cards, and VISA Debit cards.