Backed by the strong research expertise and extensive experience of our trustee service team, we have established solid investment concepts and full asset allocation capabilities, enabling us to develop EA investment plans based on customers’ risk tolerance. According to an EA market report released by Thomson Reuters, EA portfolios managed by CMB yield significantly higher returns than the market average.

Benefiting from independent research and continuous upgrades, our trustee service system delivers end-to-end management capabilities such as operation planning, file management, investment decisions, risk management, performance evaluations, information disclosure, and system maintenance. The system serves as a safe and efficient e-platform for compensation management products including EA plans.

Comprising global consultation, operation and management specialists in the area of pensions, our pension finance department continues to train professional product managers under a three-tier service model that involves central management by HQ, coordination by regional branches, and front-line service provision by sub-branches.

As a pioneer in China's pension market, we are more experienced than peer banks in terms of EA account management. Currently, we serve over one million employees as the pension account manager for thousands of companies. Our EA service targets a wide range of leading companies, including centrally-controlled and local state-owned enterprises and world-famous foreign-funded companies that span the coal, electric power, railway, automobile, transportation, and finance sectors. Our ‘Golden Life’ brand is highly regarded for its professional, efficient and superior services.

Our proprietary pension account management system enables us to respond rapidly and effectively to customer requirements and adapt well to national policy changes and our own business expansion strategies. Based on years’ experience of serving enterprises, we have continued to improve our pension account management system. Stable and efficient, our 4th-generation system is the industry pacesetter in terms of IT features thanks to the optimized combination of full features, robust performance and strong scalability.

Geared to the requirements of group enterprises, we offer a complete range of specialist services, including policy consultations, solution design, annuity actuarial services, management consultancy, process optimization, asset allocation, and operations assessment. Through our pension account management client, we have also extended the reach of our secure and efficient account management service to your desktop, allowing you to manage your pension account online.

With a focus on customers’ data access experiences, our pension account management system enables enterprises and employees to inquire about their pension funds through multiple channels anytime, anywhere.

Telephone	Call our national customer service hotline at 95555 or 8008308855.
All-in-One EA Card	Obtain an all-in-one EA card from CMB.
EA credit card	Obtain an EA credit card from CMB to receive a bank statement each month.
Online inquiry	Visit pension.cmbchina.com, our All-In-One-Net website for pensions.
Self-service terminal	Query and print your EA account information through our self-service terminals.
Other inquiries	CMB processes your inquiries on request.

Through comprehensive reports, we help customers fully assess their EA fund risks and performance. Currently, our assessment covers a wide range of around 200 indicators in 5 categories, including legal and investment risks, performance and risk/yield ratio.

We offer a comprehensive range of EA fund services such as compensation design, planning and filing, investment management and supervision, operating procedure design, and inquiries. We became China’s first SAS70-certified custody bank on November 20, 2007. As the world’s leading certification in the asset management field, SAS70 marks our compliance with international standards in terms of process planning, operating procedures, and internal risk control.

Safekeeping: We maintain the security and integrity of entrusted assets by isolating them from our bank assets and other entrusted assets; consolidating them in different locations; and separating the functions of asset storage, management, operation, and allocation.
Settlement: Connected to other banks, registration and securities platforms, and global payment and settlement systems, our powerful clearing network can settle trusted funds securely, promptly and accurately.
Supervision: We supervise investment activities relating to the trusted fund for compliance with laws and standards on behalf of the asset owner, trustor or trustee.
Service: We offer a broad range of value-added custody services such as financial accounting, asset valuation, performance assessment, and corporate action plans.
Straight through processing (STP): STP automates our custody services throughout the process.
Survey: Through online custody banking, we provide investors, asset managers, trustees, account managers, and regulators with full information.

1. Retains the EA board’s status as trustee to perform its duties;
2.Assists the EA board to improve decision-making and management processes based on our solid management experience and technical expertise as an auxiliary trustee agency, enriches the EA service, and adds value for the enterprise and its employees;
3.Helps build a mature auxiliary trustee management system and offers a complete range of auxiliary trustee services through a local and professional service team;
4.Assists the EA board to improve management and services in the following areas: strategic asset allocation, investment decision, process control, risk control, coordination, integrated management, and performance evaluation.

Full coverage: Based on an industry-leading access model via the mobile digital certificate, our auxiliary EA trustee service delivers enhanced information security and matches all the requirements of EA boards for EA fund management.
E2E process: Underpinned by a mature EA service process that has been developed over ten years, our EA service caters to all EA management requirements. Powered by a cutting-edge auxiliary trustee service management system that incorporates workflow management and messenger capabilities, we support a full range of EA fund payment and investment activities to optimize customer management, information and capital flows.
Holistic control: Driven by a prudent strategy and to strictly control risks in operations, management and investment, we provide customers with a complete set of management and control services and a full range of supervisory services and performance assessments for EA boards during the entire investment process.

Based on our auxiliary trustee management system, our EA board-based auxiliary trustee service is designed to assist EA boards to fully and effectively perform their duties as trustees.
EA consultation: enables customers to set up an EA board and its offices, formulate and improve the board’s articles of associations, and advise the board on government policies in terms of its duties.
EA plan improvement: assists customers assess and improve their original EA plan based on business needs. This service also aims to help customers establish the principles of their EA plan, identify the factors that may affect the plan, outline the plan’s framework, conduct EA estimation and analysis, advise on fee payment and collection methods, and provide customized EA solutions.
Investment performance assessment: tracks, monitors and assesses the investment manager based on a series of quantitative indices, and regularly submits reports to the EA board.
Investment advice: provides investment advice, risk alerts and countermeasures based on internal and external changes, such as changes to government policy for EA fund investments and capital markets. The investment advice process also assists the EA board to formulate suitable strategies for asset allocation and investment.
Daily operations support: Backed by years of experience in EA operations and solid service expertise, our auxiliary trustee management system enables EA boards and agencies to verify payment information, change employees’ personal information, collect EA payments, and transfer personal information in the office within their operation scope. 
Management report preparation: provides a consolidated EA management report that examines the performance of various investment portfolios or different investment managers.
Fund management supervision: assists the EA board to evaluate and supervise the activities of the fund manager, fund trustee, and investment manager. The service includes rating the trustee and investment manager and analyzing the functionality of the account management system.

Our Pension Finance Department has developed a powerful auxiliary EA trustee management system based on years of research, auxiliary trustee consultations, and experience in EA operations. By addressing the bottlenecks affecting the conventional management model, the system enables the EA board to intelligently control risks in EA operations and management, and serve as the EA fund operator, manager and decision-maker.
With full flexibility and strong security features, the system supports standard and customized operations.
Our system provides the following distinctive capabilities:
1. Enhanced EA security through login authentication and strict access right control
1) Access via the mobile digital certificate
Powered by cutting-edge encryption technology that builds on digital signatures and strong communication channels protected by cryptography, our mobile digital certificate authenticates user identity and secures data transmissions. By isolating authentication data from hard disks, the system significantly reduces the risk of data theft. The U-Key access model applies the highest Internet security levels to safeguard the operation and management activities of EA board members.
At the end of 2007, our digital authentication system passed the security certification test conducted by the State Cryptography Administration, marking us the first and only bank with a nationally certified security system.
2) Strict access rights control
Our auxiliary EA trustee management system assigns different powers to different users to prevent unauthorized operations. The system grants different operation, inquiry and management powers to different managers, and defines the access rights in EA plans and subsidiaries for managers at different levels. 
In addition to maintaining the independence and security of EA information, the solution gives different access rights to different users.
2. Both standard and individualized settings
1) Internet-based client settings
Based on IE interfaces, the system revolutionizes the traditional client access model by granting users access through a PnP mobile digital certificate for EA operation and management.
The system does not require installation, supports automatic upgrades, and enables access anytime anywhere.
2) Smart data transfer
Breaking away from the industry practice of complex and repetitive configurations, our system transmits data based on file templates and smart field configurations. As well as providing a standard template for data collection from private ports, the solution supports various data formats defined by different EA management agencies, thus increasing data collection and transfer efficiency.
3) One-stop service based on complete functionality
The EA board plays a central role in an EA plan as its duties and powers span the entire process of EA management from daily operations, data storage, maintenance, supervision and the evaluation of each fund management agency to strategic asset allocation and portfolio risk control. Comprising a range of functional modules, the system offers a one-stop service for EA boards in the areas of EA fund management, operations, and investment decisions.