The 15th Five-Year Plan emphasizes the need to expand financial products and services that meet the wealth management needs of residents, charting a clear direction for the industry to better serve the public. In line with the theme of safeguarding the steady growth of household wealth and nurturing patient capital, Bohai Wealth Management, a wholly-owned subsidiary of China Bohai Bank, remains committed to its fiduciary duty of managing assets on behalf of its clients. The company places customer interests and compliance at its core, integrating investor protection into every stage of product development, sales services, ongoing management, and financial education. Through professional and personalized service, it aims to protect the financial security of its clients and help build a standardized, orderly, and sustainable wealth management ecosystem.

Expanding Product Offerings: Professional Stewardship for Wealth Growth

Wealth management must first address the diverse and individualized needs of investors. Bohai Wealth Management continuously refines its product portfolio, offering a multi-category matrix that includes deposits and certificates of deposit, pure fixed-income products, fixed-income-plus strategies, and mixed and equity funds. By clearly defining product positioning and target client profiles based on risk appetite, investment horizon, and liquidity preferences, the company has shifted its approach from selling what it has to tailoring solutions to what clients truly need. Supported by four research pillars—macro and cyclical analysis, asset and factor research, strategy and structure evaluation, and market and behavioral insights—the firm strengthens its multi-asset and multi-strategy allocation capabilities alongside comprehensive risk management, aiming to enhance investor experience while controlling volatility. As of the end of June 2026, the company managed wealth management products totaling 277 billion yuan, serving over 1.6 million clients. With more than 130 distribution partners, sales outside the parent bank's channels have surpassed 100 billion yuan, significantly broadening the reach of inclusive wealth management services. Since its inception, the company has not experienced any major credit events, significant liquidity issues, or severe net value drawdowns. Its professional capabilities have also earned market recognition, including prestigious awards such as the Golden Pixiu Award, Golden Toad Award, Jiefu Award, Golden Hazel Award, Golden Reputation Award, Wind Asset Management Service Innovation Award, Golden Wealth Management Award, and Golden Bull Award. In the 2025 Puyi Standard closed-end fixed-income-plus product rankings for long-term stable growth, four of Bohai Wealth Management's products made the top 10, and six entered the top 20. In the 2026 Puyi Standard rankings, three products placed first, third, and fifth respectively, with five products among the top 20 in the market. Additionally, in the first quarter of 2026, the company secured the top position among joint-stock bank wealth management subsidiaries in the Golden Bull Asset Management fixed-income-plus investment capability ranking. This growth in scale, expanding client base, and professional accolades together demonstrate the company's commitment to supporting the stable preservation and growth of household wealth.

End-to-End Client Care: Establishing Order Across the Full Product Lifecycle

Maintaining order in the wealth management market hinges on adhering to suitability principles, clearly disclosing risks, and taking responsibility for the entire lifecycle of each product. Bohai Wealth Management has established a collaborative governance framework spanning its board of directors, senior management, consumer protection departments, and business lines. Client care is embedded throughout product design, issuance, and ongoing management, transforming client engagement from a one-time sales activity into a sustained fiduciary obligation. In the pre-sale phase, the focus is on ensuring clients choose the right products and understand them clearly. The company aligns products with clients' risk tolerance, fund duration, and investment objectives, while standardizing the review of marketing materials and external communications. It develops standardized tools—including posters, infographics, one-page summaries, videos, and lists of products on sale—that cover core product features, investment strategies, historical performance, performance benchmarks, target client groups, and risk warnings. Through investment manager roadshows and training for client managers, the company ensures that returns are never overemphasized at the expense of risk. In the first half of 2026, the company produced over 3,100 posters, published 66 promotional articles on its official WeChat account, and conducted 24 training sessions for distribution channel client managers, significantly boosting brand awareness. During the same period, it hosted more than 100 online roadshows for distribution channels, two on-site wealth management subsidiary events, two investor strategy briefings, and 17 marketing and investor education campaigns, providing full-lifecycle support to clients.

Innovative Financial Education: Making Money Management Knowledge Part of Daily Life

Promoting sound financial concepts and investment knowledge requires not only professional expertise but also the ability to engage the public in a way that is accessible, understandable, and practical. Bohai Wealth Management has built an investor education matrix that combines online and offline channels with both key events and routine engagement. Targeting key demographics such as the elderly and workers in new employment forms, the company conducts tiered educational programs at nursing homes, courier stations, communities, and commercial districts. These sessions cover suitability management, basic wealth management knowledge, consumer rights protection, and prevention of illegal fundraising, exposing common scams such as cash-back schemes and tourism-based pension fraud to help residents safeguard their retirement savings and hard-earned money. Online, the company uses interactive SVG scenario quizzes, short video skits, and illustrated articles to translate principles of suitability, risk identification, and long-term investing into everyday language. Through its official platforms, it consistently publishes market commentary and original educational content, shifting financial literacy from passive consumption to active participation. In the first half of 2026, the company organized five special offline education events reaching over 30,000 people, and four of its original educational articles were republished by authoritative industry platforms, gradually establishing a regular, scenario-based, and sustainable investor education ecosystem.

Looking ahead to the 15th Five-Year Plan period, Bohai Wealth Management will continue to uphold its people-centered financial philosophy, offering richer products, more standardized services, and deeper financial education to enhance residents' sense of gain, security, and trust in wealth management. By doing so, it aims to contribute professional expertise to the high-quality development of the wealth management industry.

Risk Disclaimer: Wealth management products are not deposits. All investments carry risks, and caution is advised. Past performance does not guarantee future results.