During 1999, the acquired branch structure of China Investment Bank was formally integrated in the Bank's control framework. This expanded network now allows for better oversight of project development and funds management. It has also allowed the Bank to reduce its reliance on the regional branches of other state banks for on-lending assistance and project monitoring, which was required in the past due to the Bank's limited branch structure and staff size.

The six credit management departments, formerly with geographical responsibilities, have been merged into one central department, with direct coordination and supervision responsibility over the underwriting and project monitoring functions conducted at the 27 branches.

Within the Head Office operations, project appraisal responsibility was segregated from final project approval authority. The establishment of the appraisal administration department ensures that proper attention is given to each project on an objective basis.

The Bank established separate responsibility for its market and financial analysis departments on a centralized basis. By segregating certain analytical functions, a broader view of project feasibility and viability is achieved, resulting in improved loan quality.