"Prosperity Gold" Courtesy Certificate of DepositCourtesy
Distinctive Financial Products Embodying the “Culture of Gifting”
Prosperity Wealth | COD-backed FX Instruments
The IB "Prosperity Gold" courtesy certificates of deposit encompass both the "Prosperity Wealth" and the "COD-backed FX Instruments" themed courtesy certificates of deposits. Tailored to significant life events and courtesy occasions, they integrate elements of familial bonding, humanitarian concerns, and traditional culture, emphasizing their essence as unique financial products rooted in the “culture of gifting”.
In addition to wealth management and social courtesy functionalities, the "Prosperity Gold" courtesy certificates of deposits carry a collectible value, aligning perfectly with diversified needs such as gifting to close ones or keeping as souvenirs.
Prosperity Wealth
A "Creative Financing" Time Deposit Implying Profound Sentiments
For every special moment, save a piece of your affection.
Prosperity Wealth - Sleeve & Deposit Introduction
Gifts of prosperity flow like the spring breeze, and peach blossoms bring radiant blush.
Design Philosophy
The sleeve of the certificate of Prosperity Wealth deposit is intricately hand-illustrated with traditional fine-brush techniques, portraying “blooming peach blossoms”. Set against a celebratory red backdrop, it highlights golden peach blossoms symbolizing prosperity and auspicious omens, encapsulating sincere blessings.
The certificate of Prosperity Wealth deposit, infused with the traditional element of "blossoming peach trees", emphasizes the deep sentiment of gifting. Coupled with wire-binding techniques, a custom "Save Affectionate Messages" page is crafted, conveying emotions and feelings through handwritten wishes.
Prosperity Wealth - Product Introduction
Built upon the foundation of a Fixed Deposit product, it amalgamates China's traditional culture of filial piety and gifting. These certificates of time deposits and their sleeves are aesthetically designed and possess collectible significance, bearing blessings and conveying respect.
Product Type
Fixed Deposit (Product Code: 000001960)
Target Clients
Regular bank time deposit customers
Product Highlights
High Liquidity: Enables early withdrawal and can be pledged.
Secure: Principal and interest are guaranteed, covered under deposit insurance.
Application Guide
1. Minimum Deposit Amount: Starting from CNY 50.
2. Deposit Tenure: Options include 3 months, 6 months, 1 year, 2 years, 3 years, and 5 years.
3. Applicable Instruments: Courtesy certificates of deposit, and debit cards.
4. Interest Settlement Rules:
1) Upon Maturity: Interest paid based on the product interest rate set on the account opening day.
2) Early Withdrawal: Interest paid based on the listed interest rate on the withdrawal day.
5. Account Opening Channels: Branch counters, personal online banking, the Industrial Bank Mobile Banking APP, smart kiosks.
COD-backed FX Instruments
Foreign Currency Time Deposit Aligning with Global Assets
Save a portion of affection accompanying your life voyage.
COD-backed FX Instruments - Sleeve & Deposit Introduction
Embrace COD-backed FX instruments, your companion that facilitates your journey ahead.
Design Philosophy
The sleeve for the COD-backed FX instruments certificates of deposit employs a blue shade symbolizing both the sky and the sea. It integrates hand-drawn illustrations of the world map and globally renowned architectures. 'Little IB', personified as an astronaut, traverses the world freely accompanied by COD-backed FX instruments.
COD-backed FX Instruments - Product Introduction
Built upon the foundation of a fixed deposit product, this product is tailored to meet the demands of foreign currency time deposits.
Product Type
Fixed Deposit (Product Code: 000001198)
Target Clients
Employees of foreign-funded enterprises, cross-border workers, overseas students, international tourists, and more.
Product Highlights
High Liquidity: Enables early withdrawal and can be pledged.
Secure: Principal and interest are guaranteed, covered under deposit insurance.
Application Guide
1. Minimum Deposit Amount: $10 USD/€10 EUR/£50 GBP/$100 HKD/$10 CAD/$10 AUD.
2. Deposit Tenure: Options of 3 months, 6 months, 1 year, and 2 years (limited to specific currencies).
3. Applicable Instruments: Courtesy certificates of deposit, and debit cards.
4. Interest Settlement Rules:
1) Upon Maturity: Interest paid based on the product rate set on the account opening day.
2) Early Withdrawal: Interest paid based on the listed interest rate on the withdrawal day.
5. Account Opening Channels: Branch counters, personal online banking, the Industrial Bank Mobile Banking APP, smart kiosks.
A Tradition Transmitted through Etiquette
Embracing Every Moment with IB's Commitment
For every special moment, save a piece of your affection.
Scan the QR code to initiate the process immediately.
Please note: The interest rate for courtesy certificates of deposit is determined by the actual rate published by IB on the purchase day. For detailed information, kindly consult your nearest IB branch.