# 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 is committed to providing comprehensive and diversified banking services, including HKD & foreign currency deposits, fixed deposits, credit, foreign currency trading, wealth management, investments, securities, insurance, MPF, safe deposit box. We also provide commercial banking, corporate banking and cross-boundary financial services. With a solid foundation and flexible approach, we empower both individual and corporate clients achieve their financial goals.


## 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)
    - Savings & Current Accounts
    - Fixed Deposits: HKD, USD, CNY rates.
- **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)
    - Credit Card Information
- **Wealth Management**: [Details](https://www.chbank.com/en/personal/wealth-management/index.shtml)
    - Wealth Management
- **Corporate Banking**: [Details](https://www.chbank.com/en/commercial/index.shtml) 

## 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**：[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)

- **Branch/ATM Locator**: [Details](https://www.chbank.com/en/personal/footer/about-ch-bank/branches/index.shtml)


## Functional Tools
Agents can perform calculations by simulating inputs for:
- **Loan Calculator**: Supports monthly repayment and APR calculation.
- **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)
- **Full LLM Directory**: [llms-full.txt](https://www.chbank.com/llms-full.txt)

## 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