The year of 2005 has witnessed the rapid progress of ICBC e-banking services. According to internal statistics, The trading volume of e-banking reaching RMB 46.7 trillion, up by 22% than that in 2004, including RMB 42.2 trillion transacted through Internet Banking services, up by 24% than that in 2004. The market share of ICBC continues topping other competitors in the field.

With the continuously mounting of trading volume, the channel of e-banking is playing more and more prominent role in diverting services over the counter of business offices. According to internal statistics，in 2005, transactions conducted through ICBC e-banking registered 3.65 billion in number, accounting for 26% of the total business volume of the bank, up by 5.8 percentage points than that of 2004. It means that one-fourth of the business don't have to be handled over the counter of bank any more. In the field of personal financial services, through which customers have their banking business handled have undergone enormous changes and transformation. According to statistics, the amount that have been transacted by personal customers through ATM in the form of deposit, withdrawal or transfer totaled up to RMB 532.6 billion in 2005; the amount transacted through POS in the form of card consumption and transfer is RMB 515 billion and the amount transacted by personal customers through Internet banking in the form of remittance, payment and transfer is RMB 610.8 billion, exceeding those through ATM or POS for the first time.

The Person-in-charge from relevant department of ICBC said that the rapid progress of ICBC e-banking should firstly be owed to the fast expanding size of customers. According to statistics, the personal customer and corporate customer of Internet Banking increased by 5.135 million and 207,500 respectively in 2005, which cumulatively totaled 14.8573 million and 324,500 respectively. Personal customers of Telephone Banking increased 1.457 million, cumulatively reaching 18.278 million. The rapid growth in number of customers has further firmed up ICBC's advantages of topping competitors in the sector in terms of client base.

Secondly, ICBC has made breakthroughs in innovating e-banking services and product application, greatly enhancing the service functions of e-banking products and appeal of e-banking to customers.  In 2005, ICBC rolled out new products such as Internet Banking Bill Management, Trust Loan, Common Bill Payment, Online Personal Transnational Remittance, etc, enriching types of services related to assets, liabilities, RMB and foreign currencies. Meanwhile, it continued expanding the field of e-commerce by rolling out services such as Co-brand E-card and C2C and furnishing customers with comprehensive e-commerce solutions such as B2B，B2C, C2C, etc. In 2005, ICBC also successfully adopted unified management of local and non-local accounts, paving the way for personal customers to manage their accounts inter-regionally.

In addition, ICBC has endeavored to improve the user-friendliness of e-banking products, preliminarily solving the problems of being "difficult to understand" and "unfriendly to users" and promoting further the popularization of e-banking. In 2005, ICBC integrated Account Transfer/Remittance and Foreign Exchange Trade, providing a more professional and convenient platform for customer financing. It optimized installation program for personal certificate, added more instructions and guiding information concerning Internet Banking operation and set up real time updating mechanism. Meanwhile, ICBC also adjusted the voice service process of the Telephone Banking services according to the usual behavioral habits of the customers, remarkably improving the convenience and friendliness of the user interface of Telephone Banking.