Bank of China offers comprehensive, high-quality, efficient and convenient professional interbank financial services to both domestic and overseas financial institution clients. The specific products available include:

Assets：

1. Term deposits at domestic interbank institutions 

This service involves BOC depositing renminbi and foreign currency funds at banking institutions under agreed terms, including interest rate, duration and amount.

2. Loans to domestic non-banking financial institutions  

BOC provides RMB and foreign currency financing to non-banking financial institutions, based on agreed terms, interest rates and amount, to meet their operational and working capital needs.

3. Syndicated loans to domestic non-banking financial institutions  

As a form of loans to non-banking financial institutions and under the category of interbank lending, BOC collaborates with other banks to provide loans to domestic non-banking financial institutions. These institutions must be legally permitted to engage in this business under current laws and regulations. The loans are provided based on the same lending terms, under a single agreement, and through the process of syndication organization and underwriting.

4. Commitment-based interbank lending  

It refers to an arrangement where BOC and domestic interbank institutions enter into an agreement specifying a term and a lending limit. If the interbank institution needs liquidity support within the agreed term, BOC will provide a certain loan amount according to the terms of the agreement. The specific support method, amount, pricing and risk management shall be implemented in line with the agreement.

5. Overdraft on interbank current accounts 

When the balance in the interbank current account held by a banking financial institution at BOC is insufficient to cover payments, BOC provides temporary fund advances to the client within the approved overdraft limit to ensure timely payments and settlements.

Liabilities:

1. Demand deposits of financial institutions 

These are RMB and foreign currency demand deposits held by domestic financial institutions at BOC, including general demand deposits and margin demand deposits.

2. Term deposits of financial institutions

These are RMB and foreign currency term deposits held by domestic financial institutions at BOC, including general term deposits, margin term deposits, and large-denomination deposit certificates for financial institutions, as well as capital margin and agreement deposits of insurance companies, and margin deposits of insurance brokerage or professional insurance agent institutions.

3. Large-denomination deposit certificates for financial institutions 

These are book-entry large-denomination deposit certificates denominated in RMB, issued by BOC to insurance companies and other financial institution clients recognized by regulatory authorities as eligible to invest in this product. They are bank deposit-type financial products and fall under the category of general deposits.

4. Call deposits of financial institutions  

These refer to deposits where institutions such as insurance companies do not agree on a fixed term at the time of deposit. To withdraw the funds, the depositor must notify BOC in writing in advance, specifying the scheduled withdrawal date and amount. Such deposits are divided into RMB one-day call deposits and seven-day call deposits. For one-day call deposits, notification of the intended withdrawal must be given one day in advance; for seven-day call deposits, the notification must be given seven days in advance.

5. Agreement deposits of insurance companies  

These refer to agreement deposits handled by BOC for domestic-funded insurance corporations, wholly foreign-owned insurance companies, Sino-foreign joint venture insurance companies, and branch offices of foreign insurance companies. These deposits feature longer terms; higher minimum deposit amounts; and terms such as interest rates, tenures, interest settlement and payment methods, and default penalty standards that are agreed between BOC and the client. The minimum term requirements and minimum deposit amounts shall be implemented in accordance with the regulations of the People's Bank of China.

Intermediary Business:

1. Acting as an agent for bank bills acceptance  

2. Acting as an agent for interbank clearing  

3. Acting as an agent for interbank cash services  

4. Acting as an agent for domestic foreign currency payment and settlement  

5. Bond custody business  

6. Domestic custody business for qualified foreign investors (QFIs)  

7. Distribution of asset management products to financial institution investors  

Intermediary business refers to the agency business activity where BOC, entrusted by financial institutions that are supervised and managed by the State Council's financial regulatory authorities and hold financial licenses, promotes and sells financial products legally issued by cooperative institutions. This distribution is conducted through BOC's channels, including business outlets and electronic channels.