To meet domestic individual investors' needs for investment in energy and precious metals, ICBC has recently launched two innovative products -- account-based natural gas and account-based precious metals index. Personal customers can access the businesses through ICBC Internet banking and mobile banking. Through Internet banking, customers need to click "All" to enter "Precious Metals, Foreign Exchange and Account-based Commodities" and select "Account-based Energy" or "Account-based Precious Metals Index". In mobile banking, customers should log on and enter the "Investment and Wealth Management" section and select corresponding items for transaction.

Account-based natural gas is a trading and investment product launched by ICBC for selling or buying natural gas share in RMB or US dollar, with quotation referring to the natural gas contract price at the New York Mercantile Exchange. It is a new option for individuals to invest in energy products besides account-based crude oil. Account-based precious metals index is developed using ICBC's account-based gold, silver, platinum and palladium products as an index component based on certain methods. It comprehensively reflects the price changes of various precious metals, and investors can directly make index trading based on the bilateral quotations made available by ICBC. It provides an alternative tool for individual investors to buy portfolio products, make diversified investment, and spread trade risks.

In recent years, ICBC has focused on strengthening the innovation and development of investment and trading products, and launched five account-based trading product systems: account-based precious metals, account-based foreign exchange, account-based energy, account-based base metals and account-based agricultural products. ICBC's account-based trading products feature low threshold, high variety, extensive channels, and real-time clearing, enriching individual investment and trade channels. Statistics show that since the beginning of ICBC's account-based trading businesses, the cumulative turnover has exceeded RMB 3 trillion, serving more than 20 million customers.