In 2008, the Bank maintained its first position among domestic banks in terms of the number of cards issued, bankcard consumption, and bankcard deposit balance. The number of cards issued was 346 million, an increase of 9%; bankcard consumption reached RMB842,715 million; and bankcard-handling charge stood at RMB3,824 million, up 24.04%. At the end of 2008, the number of chartered merchants was 152,329, an increase of 92.73%. The Bank maintained a leading position among domestic banks in terms of the international card acquiring system EMV migration (from magnetic strip card to chip card). Its volume of transactions handled via the EMV terminals accounted for 86% of the total transaction volume of acquired international cards.

Debit Kins Card
The Bank established a debit card system to improve product and service quality, while continuing to maintain a leading position in the number of cards issued, bankcard consumption and income from bankcard services. At the end of 2008, the number of debit cards issued was 334 million, with annual consumption of RMB775,271 million.

Credit Kins Card
The Bank further improved its credit card system and product functions and services. More than 50 new credit card products, such as environmental protection card, Xcar card, central budget unit commercial card, personal commercial card, Ruyi card and platinum card have been launched. Asset business exploration has been strengthened. Such value-added services as collection and payment agency services and 516 consumption installment payment services were also launched. Through project interaction, targeted marketing and exploration of preferential merchants, the Bank has gradually changed the situations of over dependence on outlets, an undiversified marketing channel, driving a rapid growth of credit card market share. At the end of 2008, the number of credit cards issued reached 9,277,000, an increase of 185.28%; credit card consumption amounted to RMB52,372 million, up 229%. Consumption handling charge of credit cards grew by 273% to RMB250 million.

Quasi Credit Kins Card
The Bank has upgraded the quasi credit card system and optimized product functions. It has actively developed Farmers-Favored Kinscard products. At the end of 2008, the number of quasi credit cards issued was 2,715,900, with annual consumption of RMB15,072 million.