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# 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)
    - 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!
- **Lending 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
- **Wealth Management**: [Details](https://www.chbank.com/en/personal/wealth-management/index.shtml)
    - Wealth 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)

- **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)
- **Account Opening Reference Documents**: [link](https://www.chbank.com/en/personal/banking-services/useful-information/form-download/account-opening.shtml)



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Last Updated: 2026-04-13
Language Support: English