哈尔滨银行党委书记、行长姚春和表示，数字化产品"钱到家"的推出，是金融机构与金融科技、实体经济与数字 经济深度融合的重要成果，包含经营贷、消费贷、个税贷、流水贷等多类细分形态，不仅融合了大数据风控、全 渠道服务、全场景营销，也实现了全流程线上化管理和全生命周期的数字化运营，必将提升哈行精准滴灌小微、 激活消费引擎的硬核能力。 新希望集团总部党委副书记、新希望金融科技首席执行官徐志华在致辞中说，成都新希望金融信息有限公司作为 世界500强新希望集团在数字科技领域的重大布局，将全力以赴做好与哈尔滨银行合作项目"钱到家"的交付、创 新、运维等各项工作，期待双方能够携手共进，在业务增效、服务创新、用户体验等方面共同探索金融科技的新 发展成果。 转自：新华财经 未来，哈尔滨银行将以"钱到家"品牌为重要支点，持续推进数字化能力建设与服务生态升级。在生态合作方面， 将深化与老字号品牌、核心企业的合作，围绕冰雪经济、绿色经济等特色产业，全力打造"消费－信贷－支付"闭 环场景，并推出"产业链专项贷"等定制化产品，为特色产业发展提供精准金融服务。在风控与服务优化方面，将 6月5日，哈尔滨银行与成都新希望金融信息有限公司签署战略合 ...

中企云链董事长刘江向记者表示，双方将立足"金融赋能、科技驱动、产业协同"融合发展路径，深度探 索"金融+科技+产业"创新模式，以数字化手段贯通产业链资金链，助力实体企业降本增效、提质升 级。 据了解，长期以来，哈尔滨银行始终将供应链金融作为服务实体经济、推动普惠金融高质量发展的关键 抓手，探索从单一产品销售向多元、一体化金融服务转型路径，推动产品、服务无缝嵌入企业上下游供 应链条，努力构建"链进链出"的金融服务新模式。 5月26日，哈尔滨银行携手中企云链股份有限公司（以下简称"中企云链"），召开"链中有我，聚力同 行"战略合作签约仪式。 根据双方签署的《2025年全面战略合作协议》，未来双方将依托数字化供应链金融平台，构建"核心企 业—金融机构—供应商"生态系统，打破产业端与资金端的信息不对称，实现业务全流程线上化及信息 共享，帮助产业链核心企业盘活应收账款、缓解财务压力，持续为实体经济高质量发展注入金融动能。 同时，双方将通过强化多渠道业务合作、资源共享，依靠金融科技创新，加快供应链金融业务的发展， 打造链属企业良性生态，促进实体经济转型升级，培育企业发展的新动能、新业态。 哈尔滨银行党委书记、行长姚春和向 ...

转自：新华财经 近日，黑龙江省首笔线上化边民跨境结算业务在哈尔滨银行佳木斯同江支行成功落地，标志着金融赋能沿边经济发展迈出坚实一步。 哈尔滨银行作为深耕边疆的金融主力军，积极响应市场需求，为进一步提升边民互市贸易的便捷性与高效性，创新推出边民互市贸易结算新方案，并联合黑 龙江省龙睿资产经营有限公司，依托"跨境数字金融平台"与"黑龙江省对外经贸集团数字化进出口综合服务平台"，围绕边民互市贸易场景，从场景全面性、 架构先进性、信息安全性、系统智能性、管理精细性五个维度探索边民服务优化路径，为边民打造"境外采购、跨境结算、申报通关、国内销售"一站式线上 服务体系，集成实现账户管理、收付款、清算、数据统计、申报、风险管理等功能，全面满足边民互市跨境金融服务需求。构建起边民互市贸易全流程数字 化服务体系，足不出户即可实现"零跑腿、秒到账"，彻底打通边民贸易金融服务"最后一公里"，努力提供更加合规、安全、便捷的线上跨境结算服务，积极 践行国有企业兴边富边的社会责任。 近年来，哈尔滨银行持续深耕数字化跨境金融服务，体系化布局，建设的"跨境数字金融平台"成为支持外贸新业态发展的"数字引擎"。该平台具备为跨境电 商、外贸综合服 ...

目前，30家A股、H股上市城商行的2024年报已披露完毕。从不良贷款率表现来看，截至2024年末，哈 尔滨银行的不良贷款率为2.84%，居上市城商行之首。值得关注的是，该行在2023年末的不良贷款率为 2.87%，同样为上市城商行最高。 截至2024年末，成都银行的不良贷款率最低，为0.66%，较2023年末下降0.02个百分点。厦门银行、宁 波银行、杭州银行、南京银行、苏州银行、江苏银行、徽商银行的不良贷款率均在1%以下。 2024年，有20家城商行的不良贷款率有所下降，5家城商行的不良贷款率上升，5家城商行的不良贷款率 较上年末持平。 | 银行名称 | 2024年末不良贷 | 2023年末不良贷 | 2024年末较2023年末 | | --- | --- | --- | --- | | | 款率 | 款率 | 变动 | | 哈尔滨银 | 2.84% | 2.87% | 下降0.03个百分点 | | 行 | | | | | 盛京银行 | 2.68% | 2.68% | 持平 | | 九江银行 | 2.19% | 2.09% | 上升0.10个百分点 | | 江西银行 | 2.15% | 2.17% | 下降 ...

中证智能财讯 哈尔滨银行（06138）4月28日披露2024年度报告。报告期内，公司实现营业总收入142.43亿元，同比增长7.56%；归母净利润9.2亿元，同比增 长24.28%；经营活动产生的现金流量净额为206.76亿元，同比下降55.13%；据报告显示，哈尔滨银行基本每股收益为0.03元，加权平均净资产收益率为 1.46%。 以4月28日收盘价计算，哈尔滨银行目前市盈率（TTM）约3.27倍，市净率（TTM）约0.06倍，市销率（TTM）约0.21倍。 公司主要从事吸收公众存款；发放短期、中期和长期贷款；办理国内外结算；办理票据承兑与贴现；发放金融债券；代理发行、代理兑付、承销政府债券； 买卖政府债券、金融债券；从事同业拆借；买卖、代理买卖外汇；从事银行卡业务；提供信用证服务及担保；代理收付款项及代理保险业务；提供保管箱服 务；办理地方财政周转金的委托贷款业务；外汇存款；外汇贷款；外汇汇款；外币兑换；同业外汇拆借；资信调查、咨询、见证业务；结汇、售汇业务；经 国务院银行业监督管理机构及其他相关监管机构批准的其他业务。 市盈率(TTM)历史分位(%) 001 900 99o33 94p22 80 70 ...

Financial Performance - Net interest income for 2024 reached RMB 9,836.9 million, an increase of 3.01% compared to RMB 9,549.0 million in 2023[20]. - Total operating income increased by 7.56% to RMB 14,243.2 million in 2024 from RMB 13,241.7 million in 2023[20]. - Net profit attributable to shareholders of the parent company rose by 24.28% to RMB 919.7 million in 2024, up from RMB 740.0 million in 2023[20]. - The total assets of the company increased by 12.65% to RMB 916,231.9 million in 2024, compared to RMB 813,328.7 million in 2023[23]. - The net profit for 2024 was RMB 1.0824 billion, showing a significant increase of 21.88% compared to the previous year[27]. - The operating income for 2024 was RMB 14.2432 billion, representing a year-on-year growth of 7.56%[27]. - The company achieved a pre-tax profit of RMB 651.4 million and a net profit of RMB 1.0824 billion, representing a year-on-year increase of 21.9%[67]. - The company reported a total credit impairment loss of RMB 8,073.1 million for the year, compared to RMB 6,957.9 million in the previous year[163]. Asset and Loan Growth - As of December 31, 2024, the total assets of Harbin Bank amounted to RMB 916.2319 billion[13]. - The total customer loans and advances reached RMB 379.0939 billion as of December 31, 2024[13]. - Total customer deposits were RMB 693.6794 billion at the end of 2024[13]. - The loan balance stood at RMB 379.0939 billion, reflecting a growth of 17.30% year-on-year[27]. - Customer loans and advances totaled RMB 379,093.9 million in 2024, reflecting a growth of 17.30% from RMB 323,182.7 million in 2023[23]. - The total amount of customer loans and advances was RMB 379.0939 billion, an increase of RMB 55.9112 billion or 17.3% year-on-year[110]. - The total amount of personal loans was RMB 117.7799 billion, with an NPL amount of RMB 5.8556 billion, resulting in an NPL ratio of 4.97%[149]. Risk Management and Loan Quality - The non-performing loan ratio decreased to 2.84% in 2024 from 2.87% in 2023[23]. - The provision coverage ratio improved to 202.59% in 2024, up from 197.38% in 2023[23]. - The bank's non-performing loan (NPL) ratio was 2.84% as of December 31, 2024, a slight decrease from 2.87% in the previous year[140]. - The provision coverage ratio increased to 202.59%, up by 5.21 percentage points compared to the end of 2023[138]. - The overdue loans accounted for 13.6% of total loans as of December 31, 2024, a decrease of 1.2 percentage points compared to the previous year[157]. - The company implemented proactive risk management strategies, focusing on controlling new overdue loans as a key operational priority[157]. Digital Transformation and Innovation - The company plans to enhance its digital banking capabilities, including the launch of cross-border clearing and new mobile banking services by 2025[45]. - The bank has implemented a digital transformation in risk management to enhance risk identification and decision-making processes[138]. - The bank's digital transformation efforts are focused on enhancing customer experience and optimizing product functionality through technology[176]. Market Position and Recognition - The company ranked 183rd in the "2024 Global Bank 1000" list by The Banker and 282nd in the "2024 Global Bank Brand Value 500" list by Brand Finance[14]. - The company achieved 42nd place in the "2024 Top 100 Chinese Banks" list published by the China Banking Association[15]. - The company received the "2024 Digital Financial Gold List Mobile Banking Channel Integration Innovation Award" from CFCA and other organizations[15]. - The "Ice Shield Anti-Fraud Platform" won the "2024 Banking Risk Control Excellence Product Award" at the CIFS Fifth China Banking Digital Summit[15]. Customer and Deposit Growth - Retail deposits amounted to RMB 499.977 billion, representing a growth of 12.33% compared to the end of the previous year[43]. - The average balance of customer deposits reached RMB 667.803 billion in 2024, compared to RMB 629.5179 billion in 2023, indicating a growth of 6.1%[85]. - The bank achieved a market share of 19.65% in retail deposits in Harbin, maintaining the top position for seven consecutive years[174]. Corporate and Financial Services - The total balance of corporate deposits as of December 31, 2024, was RMB 193.7024 billion, indicating enhanced deposit stability[185]. - The total amount of corporate loans reached RMB 205.405 billion, an increase of RMB 21.3999 billion from the beginning of the year, accounting for 54.2% of the total loan amount[188]. - The pre-tax profit from corporate financial services was RMB 249.3 million, accounting for 38.3% of the company's total pre-tax profit[182]. - The operating income from corporate financial services was RMB 5.3151 billion, an increase of RMB 673.5 million compared to the same period last year, representing 37.3% of the company's total operating income[182]. Strategic Initiatives and Future Plans - The company plans to continue expanding its market presence and enhancing its product offerings in the upcoming year[19]. - The company aims to achieve a balanced development of scale, structure, quality, and efficiency, transitioning from scale-driven growth to value creation[46]. - The company plans to optimize its asset portfolio and credit structure while expanding funding sources to stabilize net interest margin and yield in 2025[60]. - The company aims to enhance capital management and ensure capital levels remain above regulatory requirements in 2025[62].

本报记者黄力辉 在哈尔滨市道里区爱建商圈的核心地带，有一座深受老年群体喜爱的公园，这里是他们日常健身、遛 弯、娱乐和会友的理想场所。与之紧邻的哈尔滨银行安发支行，凭借优越的地理位置和贴心的服务，成 为老年客户办理养老金融业务的首选之地。随着数字化进程的加快，社保、养老金等服务逐步实现线上 办理，为大众带来了诸多便利。然而，仍有不少老年人面临智能设备操作困难的问题，无法独立完成网 上认证等步骤。他们不得不往返社区奔波办理相关业务，这不仅增加了出行负担，还可能导致养老金领 取受阻。 （文章来源：证券日报） "我们帮助老年人操作，让大爷大妈少跑冤枉路，解决他们养老金认证方面的困难，哈尔滨银行已在各 网点自助设备上开通这一服务，进一步拓宽认证渠道，确保退休人员到自家附近的哈尔滨银行就能领取 养老金，十分方便。"哈尔滨银行安发支行工作人员何昱昊对记者说。 哈尔滨银行安发支行的做法，正是哈尔滨银行众多网点服务老年群体的一个缩影。 该支行营业部经理潘建全补充道："类似的社保卡高频业务，跨省也能办理。为了方便在异地养老旅居 的黑龙江老乡，我们在沈阳、大连、天津、成都、重庆等地的分支机构都设立了社保卡服务网点。同时 还开通了惠 ...

普惠金融方面成效显著，全年投放普惠型小微企业贷款295亿元，服务小微企业19万户，贷款利率较上 年下降0.61个百分点。同时，涉农贷款余额达284.801亿元，其中备春耕贷款超120亿元，有力支持了乡 村振兴战略实施。 跨境金融取得重要进展，成功获批优质企业外汇收支便利化试点资格，并上线CIPS港币直参系统，成 为国内第二家具备该资格的城商行。通过搭建跨境数字金融平台，该行为"一带一路"企业提供了一站式 金融服务。 在服务实体经济方面，该行公司类贷款总额2,054.050亿元，重点支持了制造业、科技金融、绿色金融等 领域发展。其中，制造业贷款增长28.27%，科技金融贷款增长41%，绿色金融贷款增速更达249.46%， 体现了对实体经济的精准支持。 2024年，哈尔滨银行(06138.HK)经营业绩表现亮眼，多项指标实现稳健增长。 截至报告期末，哈尔滨银行资产规模持续扩大，全行资产总额达9,162.319亿元，较上年增长12.65%。 盈利能力显著提升，实现净利润10.824亿元，同比增长21.88%。在规模效益双增长的同时，资产质量持 续优化，不良贷款率降至2.84%，拨备覆盖率提升至202.59%，风险抵 ...

多领域发力，助力实体经济稳健前行。报告期内，集团立足金融本源，将为实体经济服务作为出发点和 落脚点。依托公司经营机构分布优势，围绕黑龙江省"三基地、一屏障、一高地"、"4567"现代产业体 系、"五篇大文章"，紧跟"成渝经济圈""京津冀一体化"等国家重点战略发展部署，为实体经济发展提供 金融支持。强化行业研究，加大科技金融、绿色金融、普惠金融、养老金融、数字金融重点领域信贷投 放；全面支持制造业转型升级，重点加大中长期制造业贷款投放力度，挖掘具有高附加值、产业链占据 核心地位的优质企业；加大对能源领域信贷投放，在保障传统能源安全的基础上，充分利用新能源发展 潜力；集中优势资源支持黑龙江省现代农业发展，依托农业产业链联动，在"龙头企业+基地+农户"一 体化生产经营模式中嵌入产业链金融；重点加大对基础设施建设项目融资支持，特别是电力、供热、交 通等民生领域；快速响应房地产融资协调机制工作要求，助力房地产市场平稳健康发展；强化同业金融 合作，积极推动银团业务开展，深化金融服务；持续加强客户走访，积极组织多种形式的银企对接，重 点强化对民营企业、小微企业的融资支持。截至2024年12月31日，集团的公司类贷款总额为人 ...

Financial Performance - Harbin Bank Co., Ltd. reported its audited financial results for the year ending December 31, 2024[4]. - Net interest income for 2024 reached RMB 9,836.9 million, a 3.01% increase from RMB 9,549.0 million in 2023[24]. - Total operating income increased by 7.56% to RMB 14,243.2 million in 2024, compared to RMB 13,241.7 million in 2023[24]. - Net profit attributable to shareholders of the parent company rose by 24.28% to RMB 919.7 million in 2024, up from RMB 740.0 million in 2023[24]. - The total assets of the company increased by 12.65% to RMB 916,231.9 million in 2024, compared to RMB 813,328.7 million in 2023[27]. - The total equity attributable to shareholders of the parent company increased by 2.53% to RMB 63,161.9 million in 2024, compared to RMB 61,604.3 million in 2023[27]. - The net profit for 2024 was RMB 1.0824 billion, showing a significant increase of 21.88% compared to the previous year[31]. - The average return on equity for 2024 was 0.69%, an increase of 0.34 percentage points compared to the previous year[59]. Asset and Loan Growth - As of December 31, 2024, the total assets of Harbin Bank reached RMB 916.2319 billion, an increase of 12.65% compared to the end of the previous year[31]. - The loan balance stood at RMB 379.0939 billion, reflecting a growth of 17.30% year-on-year[31]. - Customer loans and advances totaled RMB 379,093.9 million, reflecting a 17.30% increase from RMB 323,182.7 million in 2023[27]. - The bank's corporate loans reached RMB 205.4050 billion, an increase of RMB 21.3999 billion or 11.6% year-on-year[116]. - The balance of loans for strategic emerging industries reached RMB 5.628 billion, showing a significant growth of 398.05% year-on-year[46]. - The balance of technology finance loans was RMB 11.767 billion, reflecting a year-on-year increase of 41%[46]. - The balance of green finance loans reached RMB 10.832 billion, with a remarkable growth of 249.46% compared to the previous year[46]. Non-Performing Loans and Risk Management - The non-performing loan ratio decreased to 2.84% in 2024 from 2.87% in 2023[27]. - The provision coverage ratio improved to 202.59% in 2024, up from 197.38% in 2023[27]. - The amount of non-performing loans was RMB 10,757.0 million, compared to RMB 9,259.6 million in 2023[144]. - The bank's individual loan non-performing loan ratio was 4.97%, up from 3.93% in 2023[147]. - The overdue loans accounted for 13.6% of total loans as of December 31, 2024, a decrease of 1.2 percentage points compared to the previous year[161]. - The company plans to enhance its risk management strategies to further reduce overdue loans and improve asset quality[161]. Regulatory Compliance and Transparency - The financial statements were audited by Hong Kong Lixin Dehao Accounting Firm Limited according to international auditing standards[4]. - The company emphasizes its commitment to transparency and compliance with the Hong Kong Listing Rules[12]. - The company is not recognized as an authorized institution under the Hong Kong Banking Ordinance and is not regulated by the Hong Kong Monetary Authority[6]. - The annual report is available on the company's website and the Hong Kong Stock Exchange's disclosure platform[5]. Digital Transformation and Innovation - The company aims to enhance its digital capabilities by launching various digital banking services and platforms by 2025[49]. - The company received the "2024 Digital Financial Gold List Award" for the "Mobile Banking Channel Integration Innovation Award" and was recognized as a "Model Bank for Green Financial Practices" in 2024[19]. - The company's "Cross-Border Digital Financial Platform" won the "2024 15th Financial Product and Service Innovation Award" in December 2024[19]. - The bank's digital transformation efforts are focused on enhancing customer experience and optimizing product functionality[180]. Customer Deposits and Retail Banking - The deposit balance was RMB 693.6794 billion, which is a 7.96% increase from the previous year[31]. - Retail deposits reached RMB 499.977 billion, an increase of 12.33% from the previous year[47]. - The bank achieved a market share of 19.65% in retail deposits in Harbin, maintaining the top position for seven consecutive years[178]. - The number of retail customers increased to 14.9077 million, a growth of 260,100 customers compared to the previous year[176]. Awards and Recognition - The company ranked 183rd in the "2024 Global Bank 1000" list published by The Banker and 282nd in the "2024 Global Bank Brand Value 500" list by Brand Finance[18]. - The company was awarded the "Outstanding Regional Private Banking Service Award" and "Outstanding Wealth Capability Service Bank" by Puyin Standard in October 2024[19]. - The company was recognized as a "Demonstration Unit for Modern Bank Business Network Service Certification" by the Beijing National Financial Technology Certification Center in December 2024[19]. - The company has been included in the "National Inclusive Finance Typical Case (2024)" selection by the China Association of Small and Medium Enterprises[19].