2025年上半年，哈尔滨银行（06138）立足金融本源，将满足实体经济需求作为高质量发展的出发点和 落脚点。围绕黑龙江省"三基地、一屏障、一高地""4567"现代产业体系和金融"五篇大文章"，依托集团 经营机构分布优势，为实体经济发展提供金融支持。集团深耕科技、绿色等重点金融领域，加大制造业 中长期贷款、能源全产业链信贷投放，支持现代农业与县域经济，深化政府及国企项目合作，响应房地 产融资机制，强化同业合作与民企小微支持。截至2025年6月30日，集团的公司类贷款总额为2332.248 亿元，较上年末增长278.198亿元，占全部贷款总额的58.7%。其以实际行动践行金融企业社会责任，不 仅为实体经济注入活力，也为自身业务拓展、优化资产结构创造条件，有望持续受益于实体经济发展红 利。 ...

2025年上半年，哈尔滨银行(06138)立足金融本源，将满足实体经济需求作为高质量发展的出发点和落 脚点。围绕黑龙江省"三基地、一屏障、一高地""4567"现代产业体系和金融"五篇大文章"，依托集团经 营机构分布优势，为实体经济发展提供金融支持。集团深耕科技、绿色等重点金融领域，加大制造业中 长期贷款、能源全产业链信贷投放，支持现代农业与县域经济，深化政府及国企项目合作，响应房地产 融资机制，强化同业合作与民企小微支持。截至2025年6月30日，集团的公司类贷款总额为2332.248亿 元，较上年末增长278.198亿元，占全部贷款总额的58.7%。其以实际行动践行金融企业社会责任，不仅 为实体经济注入活力，也为自身业务拓展、优化资产结构创造条件，有望持续受益于实体经济发展红 利。 ...

Core Viewpoint - Harbin Bank reported a stable growth in its mid-year performance for 2025, focusing on asset and liability restructuring, risk management, and deepening service to the real economy, achieving improvements in scale, quality, structure, and efficiency [2][4]. Financial Performance - As of June 30, 2025, the total assets of the group reached RMB 9,275.275 billion, an increase of RMB 112.956 billion, or 1.23% from the end of the previous year [2]. - Total customer loans and advances amounted to RMB 3,975.663 billion, up RMB 184.724 billion, or 4.87% [2]. - Total customer deposits were RMB 6,950.559 billion, with a slight increase of RMB 13.765 billion, or 0.20% [2]. - The group achieved operating income of RMB 73.855 billion, a year-on-year increase of 2.59% [2]. - Net profit reached RMB 9.921 billion, up RMB 1.462 billion, or 17.28% year-on-year [2]. - Return on average total assets was 0.22%, up 0.02 percentage points year-on-year [2]. - Return on average equity was 2.07%, an increase of 0.57 percentage points year-on-year [2]. Asset Quality - The non-performing loan balance was RMB 112.697 billion, with a non-performing loan ratio of 2.83%, down 0.01 percentage points from the end of the previous year [3]. - The provision coverage ratio was 209.95%, up 7.36 percentage points [3]. - The loan impairment loss provision ratio was 5.95%, an increase of 0.20 percentage points [3]. Support for Real Economy - The group emphasized financial support for the real economy, focusing on sectors such as technology finance, green finance, and inclusive finance [4]. - Company loans totaled RMB 2,332.248 billion, representing 58.7% of total loans, with an increase of RMB 278.198 billion [4]. Inclusive Finance Initiatives - The group launched a new digital retail credit product "Qian Dao Jia," enhancing online management and digital operations for small and micro enterprises [5]. - Inclusive finance loans for small and micro enterprises reached RMB 169.18 billion, up RMB 16.2 billion year-on-year, with a balance of RMB 411.98 billion, growing at 11.72% [5]. Retail Banking Development - Retail deposits totaled RMB 5,099.701 billion, an increase of RMB 99.931 billion, or 2.0% [7]. - The group maintained a 19.58% market share in retail deposits in Harbin, ranking first in the local market [7]. Cross-Border Business Growth - The group established partnerships with over a hundred financial institutions in 13 Belt and Road countries, promoting cross-border RMB payment services [10]. - Cross-border settlement business volume saw significant growth, enhancing the quality of cross-border financial services [10]. Digital Transformation - The group is advancing its "Digital Harbin Bank" initiative, focusing on enhancing operational security and technology-driven capabilities [12]. - The group is committed to optimizing its international settlement systems and improving efficiency in cross-border financial services [11].

近日，哈尔滨银行(06138)发布2025年中期业绩，各项经营指标均实现稳健增长。上半年，哈尔滨银行 实现营业收入为73.855亿元，同比增长2.59%；实现净利润为9.921亿元，同比增加1.462亿元，增幅 17.28%；实现归属于母公司股东的净利润为9.154亿元，同比增加1.523亿元，增幅19.96%。此番业绩表 现，为后续发展奠定坚实基础，也向市场传递出积极信号。 ...

| 序 | 当事人名称 | 行政处罚决定 | 违法行为类型 | 行政处罚内容 | 作出行政处罚 | 作出行政 处罚 | 公示期限 (自公示之 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 급 | (姓名) | 书文号 | | | 决定机关名称 决定日期 日起计算） | | | 备注 | | | 阆中融兴村镇银 | 南银罚决字2. 违反账户管理规 给予警告并罚款 | 1. 违反金融统计管 理规定 | | 中国人民银行 2025年8 | | | | | | 行有限责任公司 | (2025) 1号是 | | 21.2 万元 | 南充市分行 | 月25日 | 3年 | | | | | | 3. 违反网络及数据 安全管理规定 | | | | | | （责任编辑：魏京婷） 公开资料显示，哈尔滨银行股份有限公司为阆中融兴村镇银行有限责任公司控股股东，持股比例90%。 以下为原文： 中国经济网北京9月2日讯 中国人民银行四川省分行网站今日公布的南充市分行行政处罚信息公示表（南银罚决字〔2025〕1号）显 示，阆中融兴村镇银行有限责任公司存在以下违法 ...

Core Viewpoint - The article highlights the successful implementation of large-scale soybean cultivation in Heilongjiang Province, facilitated by innovative agricultural financing solutions from Harbin Bank, which have significantly improved farmers' income and production efficiency [2][6][10]. Group 1: Agricultural Financing - Harbin Bank introduced the "Agricultural Property Rights Loan," allowing farmers to use future expected income as collateral, with loan amounts up to 10 million yuan [5][8]. - The loan process is designed to align with the agricultural production cycle, with repayments scheduled for the harvest period, thus easing financial pressure on farmers during the planting season [9][10]. - Since its launch in March, the "Agricultural Property Rights Loan" has been adopted by 10 branches, providing a total credit of 177 million yuan to 47 clients, with an average loan amount of 3.68 million yuan [10]. Group 2: Large-Scale Cultivation Benefits - The transition to large-scale soybean cultivation has led to increased yields, with average production exceeding 260 kg per mu, attributed to improved planting techniques and management [3][6]. - Farmers benefit from higher land rental prices, with the unified rental rate at 10,500 yuan per mu, significantly above the previous average of 7,000 to 8,000 yuan [4][6]. - The use of advanced agricultural machinery and technology, such as drones for pest control, has enhanced operational efficiency and crop management [15]. Group 3: Risk Management and Support - The collaboration with the Innovation Agricultural Property Rights Financing Company provides ongoing risk assessment and management throughout the cultivation process, ensuring that potential issues are addressed promptly [8][9]. - The growing agricultural insurance framework adds a layer of security for farmers, allowing them to use expected crop yields as collateral, thus reducing the risk for banks [9]. - Harbin Bank's tailored financial services for agricultural clients reflect a commitment to supporting the unique needs of the agricultural sector, enhancing the overall economic stability of rural areas [12][13].

股份發行人及根據《上市規則》第十九B章上市的香港預託證券發行人的證券變動月報表 I. 法定/註冊股本變動 | 1. 股份分類 | 普通股 | 股份類別 H | | | | 於香港聯交所上市 (註1) | | 是 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | 06138 | 說明 | | | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | | 法定/註冊股本 | | | 上月底結存 | | | 3,023,570,000 | RMB | | 1 | RMB | | 3,023,570,000 | | 增加 / 減少 (-) | | | 0 | | | | RMB | | 0 | | 本月底結存 | | | 3,023,570,000 | RMB | | 1 | RMB | | 3,023,570,000 | | 2. 股份分類 | 普通股 | 股份類別 | 其他類別 (請註明) | | 於香港聯交所上市 (註1) | | 否 | | | --- | --- | --- ...

Core Viewpoint - Harbin Bank is undergoing significant reforms and transformations in 2023, focusing on enhancing its balance sheet and income statement while actively serving the real economy and managing risks, leading to a gradual increase in investment value [1] Group 1: Financial Performance - In the first half of 2025, Harbin Bank achieved revenue of RMB 7.3855 billion, a year-on-year increase of 2.59%, and a net profit of RMB 992.1 million, up 17.28% [4] - The bank's total assets reached RMB 9,275.275 billion, growing by 1.23% from the end of the previous year, with customer loans totaling RMB 3,975.663 billion, an increase of 4.87% [4] - The non-performing loan balance was RMB 11.2697 billion, with a non-performing loan ratio of 2.83%, down 0.01 percentage points from the end of the previous year, and a provision coverage ratio of 209.95%, up 7.36 percentage points [4] Group 2: Service to the Real Economy - Harbin Bank is focusing its credit resources on key sectors such as manufacturing, technology, green finance, and small and micro enterprises, with a total of RMB 16.918 billion in inclusive small and micro enterprise loans issued during the reporting period, an increase of RMB 1.62 billion year-on-year [5] - The balance of agricultural loans reached RMB 32.2104 billion, supporting food production and rural revitalization efforts [5] Group 3: International Expansion and Competitive Advantage - The bank is actively participating in the "dual circulation" development pattern and the Belt and Road Initiative, establishing partnerships with over a hundred financial institutions in 13 Belt and Road countries [6] - Harbin Bank has seen a significant increase in cross-border financial services, with the number of cross-border clients doubling year-on-year [6][7] - The bank's stock price has shown recovery, supported by stable performance and improved asset quality, aligning with market demand for bank stocks with high safety margins and growth certainty [7]

贷款质量方面，截至2025年6月30日，哈尔滨银行不良贷款余额为112.697亿元，不良贷款率为2.83%， 较上年末下降0.01个百分点。拨备覆盖率为209.95%，较上年末上升7.36个百分点；贷款减值损失准备 率为5.95%，较上年末上升0.20个百分点，风险抵补能力保持基本稳定。 （哈尔滨银行） 2025年上半年，哈尔滨银行净利润为9.921亿元，同比增加1.462亿元，增幅17.28%；实现归属于母公司 股东的净利润为9.154亿元，同比增加1.523亿元，增幅19.96%。平均总资产回报率为0.22%，同比上升 0.02个百分点；平均权益回报率为2.07%，同比上升0.57个百分点。 8月29日，哈尔滨银行发布中期业绩公告，截至2025年6月30日，该行资产总额为9275.275亿元，较上年 末增加112.956亿元，增幅1.23%；客户贷款及垫款总额为3975.663亿元，较上年末增加184.724亿元，增 幅4.87%；客户存款总额为6950.559亿元，较上年末增加13.765亿元，增幅0.20%。 ...

全面构建零售业务与客户服务闭环 助力高质量可持续发展 零售金融业务加速数字化转型。零售金融业务定位于集团战略转型的重点，2025年上半年，集团加强数 字化客户关系管理，加速"线上+线下"全渠道协同与营销数字化转型，有力支撑大零售业务从单一化向 综合化转变。全面构建零售金融业务与客户服务闭环，深化有温度的零售服务品牌内涵，推动零售金融 业务可持续、高质量发展。截至2025年6月30日，集团零售存款本外币合计总额为人民币5099.701亿 元，较上年末增加人民币99.931亿元，增幅为2.0%；零售存款本外币合计平均结余为人民币5085.372亿 元，较上年增加人民币470.006亿元，增幅为10.2%。根据中国人民银行黑龙江省分行统计，报告期末集 团哈尔滨分行零售存款余额在当地市场份额为19.58%，零售存款余额位列当地市场第一位。 构建"金融+非金融"综合服务模式。集团始终践行以客户为中心的经营理念，构建"金融+非金融"综合服 务模式，持续提升团队实战能力及养老金融服务专业能力，满足老年客户、儿童客户、代发客户等多客 群非金融综合需求，提高零售金融服务质效。截至2025年6月30日，集团拥有零售客户1508. ...