Industrial and Commercial Bank of China adjusts the product risk level of the Ruyi Gold Savings Business to R2 - Medium-Low Risk

Beijing Business Daily News (Reporter Meng Fanxia, Zhou Yili) announced on May 12 that Industrial and Commercial Bank of China (ICBC) issued a notice stating that, due to recent factors causing market instability, to further protect the rights and interests of individual investors, the bank will adjust the product risk level and customer risk tolerance level for the Ruyi Gold Savings Business.

Starting from Beijing time May 19, 2026, the product risk level for the Ruyi Gold Savings Business will be adjusted to R2 - Medium-Low Risk, and the corresponding customer risk tolerance level will be adjusted to C2 - Steady and above; individual customers opening accounts for Ruyi Gold Savings Business, actively saving, or adding new fixed-term savings plans must undergo risk tolerance assessment through channels such as ICBC branches, online banking, or the ICBC App, complete the bank’s unified risk assessment questionnaire, obtain an assessment result of C2 - Steady and above (no need to retake if previous assessment results are available and still valid), and sign the Ruyi Gold Savings Risk Disclosure Statement (no need to re-sign if already signed). Customers who have already opened Ruyi Gold Savings accounts and wish to withdraw physical assets, redeem, execute, modify, or terminate fixed-term savings plans within the validity period, or cancel Ruyi Gold Savings accounts, are not subject to the above conditions.

ICBC reminds customers to enhance their risk awareness and to handle Ruyi Gold Savings Business rationally based on their financial situation and risk tolerance.