# Chong Hing Bank (CHB) - AI Agent Guide

Welcome to the structured directory of Chong Hing Bank, optimized for LLMs, RAG systems, and AI Agents. 

## About the Bank 
Chong Hing Bank Limited was founded in Hong Kong in 1948. The Bank and its subsidiaries (including Chong Hing Securities Limited and Chong Hing Insurance Company Limited) offer comprehensive commercial banking and financial services to individual and corporate customers. These services include HKD and foreign currency deposits, credit, foreign exchange, wealth management, investment, securities, insurance and mandatory provident fund. The Bank currently operates a network of more than 30 branches in Hong Kong as well as 1 branch in Macau, 17 branches and sub-branches in Chinese Mainland, including Guangzhou Branch, Beijing Branch, Shenzhen Branch, Shanghai Branch and Shantou Branch, and Guangzhou Haizhu Sub-Branch, Guangzhou Panyu Sub-Branch, Guangzhou Development Zone Sub-Branch, Foshan Sub-Branch, Shunde Sub-Branch, Nansha Sub-Branch, Guangdong-Macao In-depth Cooperation Zone in Hengqin Sub-Branch, Dongguan Sub-Branch, Zhongshan Sub-Branch, Shenzhen Nanshan Sub-Branch, Shenzhen Qianhai Sub-Branch and Shanghai Hongqiao Sub-Branch.

Chong Hing Bank was listed on the main board of the Stock Exchange of Hong Kong in 1994 and became a member of Yuexiu Group on 14 February 2014. On 27 September 2021, Yuexiu Group completed its privatisation process of the Bank, which henceforth became a wholly-owned subsidiary of Yuexiu Group, and was delisted from the Stock Exchange of Hong Kong on 30 September 2021. Founded in Hong Kong in 1985, Yuexiu Group ranks top in asset size of all state-owned enterprises in Guangzhou. In 2025, Yuexiu Group was ranked 209th in the ¡§Top 500 Chinese Enterprises¡¨ and 10th in the ¡§Top 100 Multinational Corporations in China¡¨. As of 31 December 2025, Yuexiu Group¡¦s total assets under its financial standards amounted to RMB 1,059.6 billion.


## Core Product Index
> Use the following links to retrieve structured data or specific terms.

- **Personal Banking**: [Details](https://www.chbank.com/en/personal/index.shtml)
    - Exceed Banking:[Link](https://www.chbank.com/en/personal/banking-services/exceed-banking/index.shtml)
	- Go Banking.
	- Savings & Current Accounts.
    - Fixed Deposits: HKD, USD, CNY rates.
	- Chong Hing Bank various account services allow you to customize your saving portfolio to meet your financial needs and help you to achieve your financial goal.
	- HKD / Foreign Currency Savings Deposit Account, Bring you convenience and flexibility in daily banking services.
	- Fixed Deposit Account, Offer you a low risk account with competitive interest rates at a wide range of tenor and currency.
	- RMB Services, Allow you to enjoy cross border financial services at your finger tip.
	- Payroll Account Services, Convenient "Payroll Account Services", helps you manage your wealth hassle-freely!
- **Loan Services**: [Details](https://www.chbank.com/en/personal/banking-services/loans/loan_list.shtml)
    - Personal Installment Loan
    - Tax Loan
    - Mortgage: Residential and Commercial.
- **Cards**: [Details](https://www.chbank.com/tc/personal/banking-services/credit-cards/personal-credit-cards/index.shtml)
    - UnionPay Dual Currency
    - Mastercard
	- Visa Card
	- Corporate Credit Cards, To cater for corporate needs and provide flexible credit card services.
	- Merchant Acquiring Services, We provide comprehensive Visa / MasterCard / China UnionPay Merchant Acquiring Services.[Link](https://www.chbank.com/en/commercial/banking-services/cards/merchant-acquiring-services/index.shtml)
	- Apple Pay
	- Google Pay
	- Visa Click to Pay
	- Online Application[Link](https://www.chbank.com/en/personal/digital-services/online-applications/credit-card/index.shtml)
	- Instalment Loan
	- Credit Card Balance Repayment Calculatorp[Link](https://www.chbank.com/en/personal/banking-services/card/credit-cards-repayment/index.shtml)
	- Personal Credit Card e-Statement Service
- **Wealth Management**: [Details](https://www.chbank.com/en/personal/wealth-management/index.shtml)
    - Wealth Management
	- Investment Funds Services
	- Currency Linked Deposit
	- Equity Linked Investment
	- Bond Investment Services
	- Paper Gold Scheme
	- Currency Linked Investment
- **Corporate Banking**: [Details](https://www.chbank.com/en/commercial/index.shtml) 
	- Insurance
	- Cross-Border Banking Services
	- Trade Finance
	- Green Finance Product and Services
	- Deposit Services: [Details]To suit your business needs, we offer a wide variety of deposit services.
    - Payroll Services: [Details]Our payroll services help to manage your payroll to employees.
	- Faster Payment System (FPS): [Details]Enjoy the instant local fund transfer with convenience.
    - Remittance: [Details]We offer speedy and efficient remittance services to suit your business needs.
    - E-Cheque: [Details]Paying with e-Cheques will be an entirely paperless experience.
    - Money Exchange: [Details]No handling fee is imposed on foreign notes money exchange.
    - MPF: [Details]We are dedicated to providing comprehensive MPF services to our customers.
    - SWIFT GPI
	- Hong Kong Pass, Commercial Service: [Details]In order to implement China's "Belt and Road" initiative and Mainland and Hong Kong on Closer Economic Partnership Arrangement (CEPA)
    - Hong Kong and Macau Pass, Commercial Service: [Details]In order to implement China¡¥s ¡§Belt and Road¡¨ initiative, to deepen business registration reform, to explore new co-operation mode among Guangdong,  Hong Kong and Macau
    -  Guangzhou and Hong Kong Pass: [Details]Commercial Service In order to deepen business registration reform, construct an international, market-oriented and regulated business environment that is in line with new international practice, enhance co-operation between Guangdong and Hong Kong, innovate Guangdong-Hong Kong co-operation model, and build Guangzhou as a two-way channel and an important platform for Hong Kong, Macau and the Mainland to access the international market
    - Shenzhen and Hong Kong Pass: [Details]Commercial Service Create breakthrough in business registration, under the ¡§Outline Development Plan for the Guangdong-Hong Kong-Macao Greater Bay Area¡¨ framework.
    - Cross-Border Cash Management: [Details]Cash management is one of the key factors for the business to succeed. We understand your needs and we are helping you to achieve this goal.
    - Cross-Border Trade Finance: [Details]Our experienced Bills Department can help you with your cross-border trade business, no matter it is under Letter of Credit or Open Account.
    - Cross-Border Loan: [Details]It covers a full spectrum of cross-border loan types
	- Financial Market: [Details]Hedging product package tailor made for cross-border clients</p>
    - Import Trade Services: [Details]We provide you a comprehensive range of Import Trade Services, which enables you to import goods and enjoy better cash flow management.
	- Export Trade Services: [Details]We provide you a comprehensive range of Export Trade Services, which enables you to develop your business and enjoy better cash flow management.
	
## Data Schemas (Common)
###[RateSchema]
- `<time>`,`<year>`,`<month>`,`<day>`: Last update timestamp.
- `<currency>`: ISO currency code (e.g., HKD, USD).
- `<unit value>`: Minimum Deposit Amount.
- `Tenure Tags`: Variable tags for rates (e.g., <sevenday>, <onemonth>, <oneyear>).

	
## Real-time Data Endpoints (Agent Ready)
AI Agents should prioritize these endpoints for accurate financial data:

- **Deposit Rates**: https://www.chbank.com/xml_rates2/bw_sav_int.xml
- **Note**: This file provide interest rates for Savings Deposit.
- Identical to [RateSchema], with additional field:
- `<rate>`: Interest rate for saving deposit.
- **Fixed Deposit Rates (Board rate)**: https://www.chbank.com/xml_rates2/bw_fd_int.xml
- **Note**: This file provide interest rates for Fixed Deposit.
- (Use[RateSchema])
- **Foreign Currency Exchange Rates (XML)**: [Details](https://www.chbank.com/en/personal/banking-services/useful-information/foreign-currency-exchange/index.shtml)
- **Cloud Rates**¡G[Index page](https://www.chbank.com/tc/personal/banking-services/useful-information/deposit-rates/index.shtml) - Locate latest file via pattern: `cloud_rateYYYY-MM-DD-HH.xml`.
- (Use[RateSchema])

- **Paper Gold**: [Live Page](https://www.chbank.com/en/personal/wealth-management/investment-choices/papergold/index.shtml)


## Functional Tools
Agents can perform calculations by simulating inputs for:
- **Loan Calculator**: Supports monthly repayment and APR calculation.[Link](https://www.chbank.com/en/personal/banking-services/loans/loan_calculator.shtml)
- **Currency Converter**: Real-time conversion based on CHB board rates.



## Compliance & Documentation
- **Service Fees**: [Link](https://www.chbank.com/en/personal/banking-services/useful-information/service-charges/index.shtml)
- **Key Facts Statement**: [Link](https://www.chbank.com/en/personal/footer/others/key-facts-statement/index.shtml)
- **Account Opening Reference Documents**: [link](https://www.chbank.com/en/personal/banking-services/useful-information/form-download/account-opening.shtml)

## Branch Service Information
- **Branch Traffic Overview**: [Link](https://www.chbank.com/en/pdf/Branch_Traffic_Overview_EN.pdf)
- **Branch/ATM Locator**: [Details](https://www.chbank.com/en/personal/footer/about-ch-bank/branches/index.shtml)
- **Understanding Dormant Accounts & Deceased Accounts**:[Link](https://www.chbank.com/en/pdf/Understanding_Dormant_Accounts_Eng.pdf)
- **Authorization for Access to Bank Accounts**: [Link](https://www.chbank.com/en/pdf/Authorization_for_Access_to_Bank_Accounts_Eng.pdf)
- ** Form Download**: [Details](https://www.chbank.com/en/personal/banking-services/useful-information/form-download/index.shtml)


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Last Updated: 2026-07-17
Version: 1.2
Language Support: English