Industrial Bank Vice President Zhang Min: Leverage the strengths of the wealth investment advisory team to help investors stay steady and secure in volatile markets.

On March 27, financial frontline news reported that Industrial Bank held a performance briefing for the year 2025. Vice President Zhang Min stated that while facing the overall trend of a recovering capital market, the volatility of the capital market is also increasing. Therefore, this year, Industrial Bank will primarily focus on two aspects: product systems and customer service, to promote the healthy development of wealth management business.

First, closely follow market rhythms to create a product system that is both precise and comprehensive. In a low-interest, high-volatility market environment, on one hand, it is necessary to strengthen the bottom line by improving the cash and fixed income product system, upgrading the “deposit+” matrix to achieve comprehensive coverage in the short, medium, and long term, ensuring that customers’ long-term funds can be safer and more stable. At the same time, optimize the features of the spare change wallet to make idle money management more efficient and flexible.

On the other hand, it is essential to empower by seizing opportunities for deposit activation, establishing an open shelf for the entire market, and building a pyramid-like structure of rights-bearing products. By enhancing income elasticity through micro-scale rights-bearing products, we can meet customers’ diverse and all-scenario asset allocation needs.

The second aspect is to directly face market volatility and provide professional and warm accompanying services. Firstly, use ample “spare change + deposits + insurance” products to build a secure foundation for customers’ assets, hedging against uncertainty with relatively certain returns. Secondly, promote long-termism, guiding customers to participate in the market with appropriate distribution and smooth out short-term fluctuations through long-term holdings. Finally, strengthen professional accompaniment, leveraging the advantages of Industrial Bank’s wealth advisory team, and using digital means to interpret market conditions in a timely manner, guiding diversified allocation, and helping customers remain stable and resilient amidst market fluctuations.

“In the future, we will continue to be customer-centric, solidify our foundation through product innovation, protect assets with professional services, seize market opportunities, and achieve dual growth in scale and revenue. Based on assisting customers in preserving and increasing the value of their assets, we will continuously enhance the brand of our wealth bank, achieving a unity of commercial value and social responsibility,” Zhang Min summarized.