工银私人银行秉承"诚信相守，稳健相传"的经营理念，聚焦"国家所需、金融所能、客户所盼、工行所 长"，全面整合集团资源，组建近万人的服务团队，持续引领国内私人银行业务的发展。近年来，工银 私人银行围绕 "人、家、企、社"四重需求，不断完善综合化服务生态，在服务高质量发展中展现大行 担当，相伴企业家勇毅前行，共同奔赴"家企欣荣，财富向善"的美好愿景。 9月5日，《财资》（The Asset）公布"2025年AAA 私人资本大奖，暨私人银行、财富顾问、投资顾问和 解决方案，以及指数供应商大奖"评奖结果，我行凭借综合化的卓越服务，从众多同业机构中脱颖而 出，第九次荣获中国最佳私人银行大奖。 诚信相守 卓越财富管理 我们坚持"以客户为中心"，积极整合全市场不同投资工具、产品、服务，构建契合客户需求、具有工行 特色的、买方需求导向的服务模式；持续迭代"君子智投"智慧配置工具，生成专业配置报告超120万 份，为客户在流动性管理、资本保值增值、资产配置等方面提供综合性解决方案；逐步完善全集团配 置、全市场遴选的产品体系，建立共建、共享、共融的开放式产品生态，匹配客户多元化需求；锻造差 异化服务能力，提升客户服务体验。 稳健相 ...

Core Viewpoint - The private banking industry in China is shifting from "land grab" to "stock competition," focusing on retaining existing high-net-worth clients through unique non-financial services and experiences [3][20]. Group 1: Private Banking Clientele - To become a private banking client, individuals must have financial assets exceeding 6 million yuan, with some banks like China Merchants Bank raising the threshold to 10 million yuan [2]. - The number of high-net-worth individuals in China with investable assets over 10 million yuan reached 3.16 million by the end of 2022, with an average of 31.83 million yuan per person [6]. - Private banking clients often utilize services from multiple banks, with average personal assets typically exceeding 15 million yuan [3]. Group 2: Non-Financial Services - Non-financial services have become the core competitive advantage for private banks, with offerings including private jet bookings, Antarctic travel, and exclusive medical consultations [3][6]. - The demand for unique experiences has led to significant increases in client acquisition, as seen with CITIC Bank's "Youth Travel" service, which saw a 77.59% year-on-year increase in private banking clients [6]. - High-net-worth clients are increasingly valuing emotional and experiential benefits, which banks are leveraging to enhance client loyalty [7]. Group 3: Family Trusts and Wealth Management - Family trusts and family offices are becoming focal points for private banks, especially for ultra-high-net-worth clients with assets exceeding 20 million yuan [10]. - Over 70% of high-net-worth individuals are preparing for wealth transfer, with concerns about asset division and family disputes driving the demand for family trusts [10][11]. - The domestic family trust business is projected to reach a balance of 643.58 billion yuan by the end of 2024 [11]. Group 4: Customized Investment Products - Private banks are offering tailored investment products, including access to international asset management firms, with minimum investments often starting at 2 million yuan [14]. - High-net-worth clients are expected to increase their allocation to insurance and gold as part of their asset management strategies [15]. - Gold has seen a significant price increase, with some private banking clients reporting substantial gains from their investments in gold bars [16]. Group 5: Market Position and Client Contribution - As of the end of 2023, the asset management scale of Chinese private banks reached 24.6 trillion yuan, with private banking clients contributing significantly to overall bank assets [18]. - Private banking clients, who represent only 0.75‰ of retail clients, account for over 31% of the asset scale at China Merchants Bank [18][20]. - The competition for retaining private banking clients is intensifying, with banks focusing on preventing client attrition due to the limited loyalty of high-net-worth individuals [20].

Core Viewpoint - The article discusses the launch of the "2025 Elite Internship Program" by Industrial Bank's private banking division, aimed at providing internship opportunities at renowned companies for the children of high-net-worth clients, contingent on significant new fund deposits [1][3][10]. Group 1: Internship Program Details - The "2025 Elite Internship Program" offers internships at prestigious firms such as JPMorgan, CICC, Google, and Microsoft [3]. - Non-private banking clients of Industrial Bank must deposit over 10 million yuan in new external funds, while existing private banking clients need to deposit over 5 million yuan [6][10]. - Funds must remain in place during the internship period, indicating a restriction on fund transfers [6]. Group 2: Client Demographics and Financials - As of July 2023, Industrial Bank's private banking clientele numbered 66,800, managing a total financial asset scale of 835 billion yuan [13]. - The threshold for becoming a private banking client is a monthly average of comprehensive financial assets of at least 6 million yuan [13]. - In Q1 2025, Industrial Bank reported a revenue of 55.683 billion yuan, a year-on-year decrease of 3.58%, and a net profit of 23.796 billion yuan, down 2.22% year-on-year [17].