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 ...

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部份內容而產生或因倚 賴該等內容而引致的任何損失承擔任何責任。 哈爾濱銀行股份有限公司 * Harbin Bank Co., Ltd.* （於中華人民共和國註冊成立的股份有限公司） （股份代號：6138） 2024年年度業績公告 哈爾濱銀行股份有限公司（「本行」）之董事會（「董事會」）欣然宣佈本行及所屬子 公司（「本集團」）截至2024年12月31日止經審計年度業績。本業績公告列載本行 2024年年度報告全文，符合香港聯合交易所有限公司證券上市規則中有關年度業 績初步公告附載資料的要求。本集團編製的截至2024年12月31日止年度財務報表 已經香港立信德豪會計師事務所有限公司根據國際審計準則審計。董事會及董事 會審計委員會亦已審閱此年度業績。除特別註明外，本集團的財務數據以人民幣 列示。 本業績公告於本行的網站( www.hrbb.com.cn )及披露易( www.hkexnews.hk )發佈。 承董事會命 哈爾濱銀行股份有限公司 董事長 鄧新權 中國哈爾濱，2 ...

Financial Performance - Total assets of the company amounted to RMB 882.8378 billion as of June 30, 2024[7] - Total customer loans and advances reached RMB 352.2373 billion as of June 30, 2024[7] - Total customer deposits stood at RMB 671.3007 billion as of June 30, 2024[7] - Net interest income increased by 12.61% to RMB 4,978.7 million in the first half of 2024 compared to the same period in 2023[10] - Net profit attributable to shareholders of the parent company rose by 29.62% to RMB 763.1 million in the first half of 2024[10] - The cost-to-income ratio decreased by 4.97 percentage points to 27.27% in the first half of 2024[10] - The average return on equity increased by 0.68 percentage points to 1.50% in the first half of 2024[10] - The net interest margin remained stable at 1.36% in the first half of 2024[10] - Total assets increased by 8.55% to RMB 882,837.8 million as of June 30, 2024, compared to RMB 813,328.7 million at the end of 2023[11] - Customer loans and advances grew by 8.99% to RMB 352,237.3 million, up from RMB 323,182.7 million at the end of 2023[11] - Customer deposits rose by 4.48% to RMB 671,300.7 million, compared to RMB 642,505.6 million at the end of 2023[11] - Net profit for the first half of 2024 increased by 20.8% to RMB 845.9 million, up from RMB 700.4 million in the same period last year[16] - Net profit attributable to parent company shareholders surged by 29.6% to RMB 763.1 million, compared to RMB 588.7 million in the same period last year[16] - Interest income increased by RMB 861.2 million (6.0%) to RMB 15,204.6 million in the first half of 2024, driven by an increase in the average balance of interest-earning assets[26][32] - Net interest income rose by RMB 557.6 million (12.6%) to RMB 4,978.7 million, primarily due to growth in interest-earning assets and a decrease in interest expenses[26][27] - Net profit increased by RMB 145.5 million (20.8%) to RMB 845.9 million, with pre-tax profit growing by 46.8% to RMB 733.9 million[26] - Customer loans and advances interest income increased by RMB 57.7 million (0.7%) to RMB 8,268.4 million, supported by expanded credit scale and reduced financing costs[28][33] - Debt securities investment interest income surged by RMB 622.4 million (301.8%) to RMB 665.4 million, reflecting higher average balances and favorable rate changes[26][31] - Net interest margin remained stable at 1.36%, while the net interest spread slightly decreased to 1.45% from 1.47% in the previous year[29] - Total interest-earning assets grew by RMB 77.9 billion (11.9%) to RMB 734.4 billion, with customer loans and advances increasing by RMB 41.4 billion (14.2%)[28][32] - Interest expenses increased by RMB 303.6 million (3.1%) to RMB 10,225.9 million, mainly due to higher customer deposits and interbank borrowing[26][29] - Credit impairment losses rose by RMB 477.5 million (12.3%) to RMB 4,363.4 million, reflecting increased provisions for potential credit risks[26] - Operating expenses decreased by RMB 167.8 million (7.4%) to RMB 2,101.4 million, driven by cost optimization efforts[26] - The company's total customer loans and advances increased to RMB 333.145 billion in 2024, with an interest income of RMB 8.268 billion and an average yield of 4.99%[34] - Debt securities investment interest income rose by 14.1% YoY to RMB 5.037 billion in H1 2024, driven by an increase in the average balance of debt securities by RMB 55.124 billion[35] - Interest income from placements with the central bank decreased by 1.9% YoY to RMB 350.5 million in H1 2024, due to a reduction in the average balance by RMB 2.356 billion[36] - Interest income from placements with other financial institutions dropped by 12.1% YoY to RMB 674.4 million in H1 2024, as the average balance decreased by RMB 21.498 billion[37] - Interest income from finance lease receivables increased by RMB 281 million YoY to RMB 874.1 million in H1 2024, with the average balance rising by RMB 5.242 billion and the average yield increasing by 1.00 percentage point[38] - Total interest expenses increased by 3.1% YoY to RMB 10.226 billion in H1 2024, driven by a rise in the average balance of interest-bearing liabilities to RMB 760.114 billion[39] - Customer deposit interest expenses grew by 0.9% YoY to RMB 8.883 billion in H1 2024, with the average balance increasing by RMB 51.746 billion[40] - Interest expenses on interbank borrowings surged by 32.2% YoY to RMB 980.6 million in H1 2024, as the average balance rose to RMB 68.663 billion[42] - Net fee and commission income decreased by 41.7% YoY to RMB 207.6 million in H1 2024, primarily due to a decline in agency and custody fees[45] - Financial investment net income surged by 301.8% YoY to RMB 665.4 million in H1 2024, driven by increased gains from the disposal of financial assets[49] - Other operating net loss decreased by RMB 0.530 billion, a decline of 59.2% year-on-year, to RMB 0.366 billion in the first half of 2024[50] - Operating expenses decreased by RMB 1.678 billion, a decline of 7.4% year-on-year, to RMB 21.014 billion in the first half of 2024[51] - Employee costs decreased by RMB 0.362 billion, a decline of 3.9% year-on-year, to RMB 8.807 billion in the first half of 2024[53] - Credit impairment losses increased by RMB 4.775 billion, a growth of 12.3% year-on-year, to RMB 43.634 billion in the first half of 2024[54] - Total assets increased by RMB 695.091 billion, a growth of 8.5% compared to the end of the previous year, to RMB 8,828.378 billion as of June 30, 2024[56] - Customer loans and advances increased by RMB 290.546 billion, a growth of 9.0% compared to the end of the previous year, to RMB 3,522.373 billion as of June 30, 2024[58] - Corporate loans increased by RMB 17.781 billion, a growth of 9.7% compared to the end of the previous year, to RMB 2,017.860 billion as of June 30, 2024[60] - Small enterprise corporate loans accounted for 43.3% of total corporate loans, amounting to RMB 87.285 billion as of June 30, 2024[61] - Small business corporate loans increased by RMB 7.97 billion, a 10.0% growth, reaching RMB 87.28 billion as of June 30, 2024[62] - Personal loans decreased by RMB 2.39 billion, a 2.0% decline, primarily due to a 3.7% drop in personal consumer loans[63] - Investment securities and other financial assets grew by RMB 16.93 billion, a 4.9% increase, totaling RMB 364.38 billion as of June 30, 2024[65] - Financial assets measured at fair value through profit or loss decreased to 23.4% of total investment securities, down from 24.7% at the end of 2023[66] - Debt investments accounted for 98.5% of total investment securities, with bond investments making up 59.7% of the total[67] - Investments in debt instruments issued by financial institutions decreased by RMB 8.31 billion, a 5.5% decline, now representing 38.8% of total investment securities[68] - Government bonds increased to 65.3% of total bond investments, up from 53.6% at the end of 2023[69] - Cash and deposits with central banks surged by RMB 36.34 billion, a 56.9% increase, reaching RMB 100.19 billion as of June 30, 2024[70] - Total liabilities increased by RMB 68.44 billion, a 9.1% growth, reaching RMB 817.88 billion as of June 30, 2024[71] - Customer deposits grew by RMB 28.80 billion, a 4.5% increase, totaling RMB 671.30 billion as of June 30, 2024[72] - Total customer deposits increased to RMB 671.3 billion as of June 30, 2024, up from RMB 642.5 billion at the end of 2023, with personal deposits accounting for 70.2% of the total[73] - Interbank deposits and borrowings rose by 26.2% to RMB 584.074 billion as of June 30, 2024, compared to the end of 2023[74] - Repurchase agreements surged by 208.4% to RMB 328.876 billion as of June 30, 2024, from the previous year-end[74] - Issued debt securities increased by 6.2% to RMB 252.002 billion as of June 30, 2024, compared to the end of 2023[75] - Total equity grew by 1.7% to RMB 649.623 billion as of June 30, 2024, with equity attributable to the parent company increasing by 1.6% to RMB 625.956 billion[76] - Off-balance sheet commitments totaled RMB 33.6648 billion as of June 30, 2024, up from RMB 31.7225 billion at the end of 2023[78] - Operating income for the six months ended June 30, 2024, is RMB 7,198.7 million, with Heilongjiang region contributing RMB 5,270.4 million (73.2%)[95][97] - Credit impairment losses for the six months ended June 30, 2024, total RMB 4,363.4 million, with the Heilongjiang region accounting for RMB 2,714.6 million[95] - Total assets as of June 30, 2024, are RMB 882,837.8 million, with the Heilongjiang region contributing RMB 681,086.2 million[95] - Total liabilities as of June 30, 2024, are RMB 817,875.5 million, with the Heilongjiang region accounting for RMB 619,926.0 million[95] - Operating profit for the six months ended June 30, 2024, is RMB 733.9 million, with the Heilongjiang region contributing RMB 1,014.7 million[95] - The company's operating expenses for the six months ended June 30, 2024, are RMB 2,101.4 million, with the Heilongjiang region accounting for RMB 1,541.1 million[95] - The company's operating income for the Heilongjiang region increased from RMB 5,093.3 million (76.5%) in 2023 to RMB 5,270.4 million (73.2%) in 2024[97] - Retail financial business revenue reached RMB 36.418 billion, accounting for 50.6% of the company's total revenue[103] - Corporate financial business revenue increased to RMB 27.229 billion, accounting for 37.8% of total revenue[98] - Corporate financial business achieved pre-tax profit of RMB 94.5 million, accounting for 12.9% of the company's total pre-tax profit, with operating income of RMB 2.7229 billion, a YoY increase of RMB 546.8 million, accounting for 37.8% of the company's total operating income[109] - Corporate deposits balance reached RMB 199.8271 billion as of June 30, 2024, with enhanced deposit stability[111] - Corporate loans totaled RMB 201.786 billion as of June 30, 2024, a 9.7% increase from the beginning of the year, accounting for 57.3% of total loans[112] - Non-interest income from corporate financial business reached RMB 35.3 million[113] - The "Bank Acceptance Bill Online Instant Discount" business under e-Rongtong achieved cumulative discounts of RMB 4.182 billion, with a discount balance of RMB 4.133 billion, an increase of RMB 3.968 billion from the beginning of the year[114] - Financial markets business achieved revenue of RMB 7.022 billion[115] - Interest income from bond investments reached RMB 3.9415 billion, with price difference income of RMB 652.3 million[116] - Investment fund balance stood at RMB 39.7956 billion, with interest income from interbank placements and loans at RMB 540.1 million[117] - Debt instruments issued by financial institutions, excluding fund investments, amounted to RMB 101.6923 billion[118] - Self-raised wealth management funds totaled RMB 25.361 billion, with outstanding self-raised wealth management products at RMB 33.486 billion[119] - Small credit balance reached RMB 203.4488 billion, accounting for 57.8% of total customer loans[120] - Small enterprise corporate loans increased by 10.0% to RMB 87.2846 billion, with a non-performing loan ratio of 3.05%[122] - Personal consumption loan balance stood at RMB 77.9379 billion[123] - Cross-border financial business asset allocation reached RMB 11.841 billion, with on-balance sheet assets increasing by RMB 6.442 billion, a growth of 125% compared to the end of the previous year[124] - Agricultural loan balance reached RMB 15.0061 billion, an increase of RMB 708.2 million from the beginning of the year[126] - Over RMB 12 billion in loans for spring plowing were issued, with new agricultural entities accounting for over 92% of the loan distribution[127] - The company's subsidiary, Ha Yin Consumer Finance, had a registered capital of RMB 1.5 billion, with the company holding a 53% stake[129] - Ha Yin Financial Leasing, another subsidiary, had a registered capital of RMB 2 billion, with the company holding an 80% stake[130] - In the first half of 2024, the company conducted 25 credit-related transactions with Ha Yin Consumer Finance, totaling RMB 6.3 billion, with a balance of RMB 6.55 billion[131] - The company conducted 15 credit-related transactions with Ha Yin Financial Leasing, totaling RMB 12.6 billion, with a balance of RMB 5.6 billion[132] - Total general related-party transactions amounted to RMB 3.835 billion, involving 135 transactions, primarily in credit, services, deposits, and other categories[133] - Credit-related transactions totaled RMB 1.36 billion across 9 transactions, including a RMB 100 million credit guarantee with Heilongjiang Student Entrepreneurship Financing Guarantee Co., Ltd[133] - Service-related transactions with Harbin Bank Consumer Finance amounted to RMB 54 million across 3 transactions[134] - Deposit-related transactions totaled RMB 2.231 billion across 121 transactions, with RMB 590 million from individual-related parties and RMB 2.12 billion from institutional-related parties[134] - The company's 30 village banks had total assets of RMB 28.069 billion, with loans decreasing by 0.51% to RMB 12.422 billion and deposits increasing by 5.41% to RMB 22.814 billion[135] - Harbin Bank Financial Leasing (Harbin Bank Leasing) reported total assets of RMB 27.135 billion, with RMB 10.724 billion in leasing business during the reporting period[136] - Harbin Bank Consumer Finance (Harbin Bank Consumer Finance) had total assets of RMB 21.48 billion, a 0.50% increase, with loan balances rising 1.02% to RMB 20.474 billion and revenue increasing 17.55% to RMB 690 million[138][139] Credit Risk and Asset Quality - Non-performing loan ratio remained stable at 2.87%, unchanged from the end of 2023[17] - Provision coverage ratio improved by 1.24 percentage points to 198.62% as of June 30, 2024[17] - Loan impairment provision ratio increased by 0.05 percentage points to 5.71% as of June 30, 2024[17] - Non-performing loan balance as of June 30, 2024, was RMB 10.1187 billion, with a non-performing loan ratio of 2.87%, unchanged from the end of the previous year[20] - Provision coverage ratio increased by 1.24 percentage points to 198.62% as of June 30, 2024, compared to the end of the previous year[20] - Total customer loans and advances reached RMB 352.2373 billion as of June 30, 2024, with normal loans accounting for 90.9% of the total[81] - Total loans increased to RMB 352.237 billion as of June 30, 2024, up from RMB 323.183 billion at the end of 2023, with a non-performing loan (NPL) ratio of 2.87%, unchanged from the previous year[83] - Corporate loans grew to RMB 201.786 billion, an increase of RMB 17.781 billion from the end of 2023, with the NPL ratio decreasing by 0.08 percentage points to 2.42%[83] - Retail loans totaled RMB 116.164 billion, with the NPL ratio rising to

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部份內容而產生或因倚 賴該等內容而引致的任何損失承擔任何責任。 哈爾濱銀行股份有限公司 * Harbin Bank Co., Ltd. （於中華人民共和國註冊成立的股份有限公司） （股份代號：6138） 截至2024年6月30日止六個月中期業績 哈爾濱銀行股份有限公司（「本行」）之董事會（「董事會」）欣然宣佈本行及所屬子 公司（「本集團」）截至2024年6月30日止六個月之未經審計合併中期業績。本業績 公告列載本行2024年中期報告全文，符合香港聯合交易所有限公司證券上市規則 中有關中期業績初步公告附載資料的要求。本集團編製的截至2024年6月30日止 六個月的簡要合併財務報表已經香港立信德豪會計師事務所有限公司根據國際審 閱準則審閱。本行董事會及審計委員會亦已審閱此中期業績。除特別註明外，本 集團的財務數據以人民幣列示。 本業績公告於本行的網站( www.hrbb.com.cn )及披露易( www.hkexnews.hk )發佈。 截至2024年6月30日止六個 ...

哈爾濱銀行股份有限公司 ( 於中華人民共和國註冊成立的股份有限公司 ) 股份代號 : 6138 年度報告 2023 本公司經國家金融監督管理總局（原中 國銀行保險監督管理委員會）批准持有 B0306H223010001 號金融許可證，並經 哈爾濱市市場監督管理局核准領取統一社 會信用代碼為 912301001275921118 號 營業執照。本公司根據香港銀行業條例 （香港法例第 155 章）並非一家認可機構， 不受香港金融管理局監管，及不獲授權在 香港經營銀行╱接受存款業務。 二零二三年年度報告 目錄 哈爾濱銀行股份有限公司 1 | 釋義 | 2 | | --- | --- | | 公司簡介 | 4 | | 會計數據和財務指標摘要 | 9 | | 董事長致辭 | 12 | | 行長致辭 | 15 | | 董事會報告 | 19 | | 股份變動及股東情況 | 101 | | 企業管治報告 | 107 | | 監事會報告 | 143 | | 重要事項 | 146 | | 董事、監事、高級管理人員、員工和機構基本情況 | 150 | | 財務報告 | 172 | | 備查文件目錄 | 324 | 2 哈爾濱銀行股 ...

Financial Performance - Harbin Bank Co., Ltd. reported its audited financial results for the year ending December 31, 2023[1]. - Net interest income for 2023 was RMB 9,549.0 million, an increase of 6.02% compared to RMB 9,007.2 million in 2022[13]. - Total operating income reached RMB 13,241.7 million, reflecting a growth of 2.88% from RMB 12,870.5 million in the previous year[13]. - Net profit attributable to shareholders increased by 33.38% to RMB 740.0 million, up from RMB 554.8 million in 2022[13]. - The company's cost-to-income ratio rose to 42.01%, an increase of 2.60 percentage points from 39.41% in 2022[13]. - The average return on equity improved to 0.35%, up from 0.04% in the previous year, marking a significant increase[13]. - The net profit for 2023 was RMB 8.881 billion, an increase of RMB 1.756 billion, marking a growth of 24.6% year-on-year[28]. - The net profit attributable to shareholders of the parent company was RMB 7.400 billion, up by RMB 1.852 billion, indicating a growth of 33.4%[28]. - The total operating income for the year ended December 31, 2023, was RMB 13.2417 billion, representing an increase from RMB 12.8705 billion in 2022[126]. Asset and Liability Management - As of December 31, 2023, the total assets of Harbin Bank amounted to RMB 813.3287 billion, with total customer loans and advances at RMB 323.1827 billion and total customer deposits at RMB 642.5056 billion[9]. - Total assets reached RMB 813.3287 billion, an increase of 14.1% compared to the previous year[17]. - Total loans amounted to RMB 323.1827 billion, growing by 13.6% year-on-year[17]. - Total deposits increased to RMB 642.5056 billion, reflecting a growth of 15.2% from the previous year[17]. - The total liabilities of the bank amounted to RMB 749.4405 billion, an increase of RMB 100.0280 billion, representing a growth of 15.4% compared to the previous year[91]. - The balance of interbank borrowings was RMB 46.2738 billion as of December 31, 2023, an increase of RMB 5.2874 billion, reflecting a growth of 12.9%[95]. - The total amount of debt instruments issued by financial institutions decreased to RMB 149.8011 billion, a decline of RMB 6.0979 billion, with its proportion in total investment securities dropping from 52.9% in 2022 to 43.1% in 2023[88]. Risk Management - The bank's internal management mechanisms have been optimized, enhancing risk management and compliance[18]. - The company implemented strict risk control measures for new business, optimizing risk admission standards and policies[106]. - The bank's proactive risk management approach aims to control new overdue loans and enhance recovery efforts for non-performing assets[118]. - The bank has implemented measures to strengthen credit risk management, including optimizing internal rating systems and enhancing collateral risk valuation processes[177]. - Liquidity risk management is prioritized, with a commitment to early identification and control of potential liquidity risks, ensuring sufficient funding for obligations[178]. - The bank conducts regular analysis of economic conditions and financial market trends to assess potential liquidity risk sources and their impact on operations[178]. - The bank aims to maintain a sufficient level of high-quality liquid assets to meet both normal and stressed operating conditions[178]. Customer and Market Engagement - The bank established 386 operating institutions across seven major administrative regions in China by the end of 2023[9]. - The total number of branches established by Harbin Bank reached 17 in major cities and 30 village banks across 14 provinces and municipalities[9]. - The number of retail customers reached 14,647,600 by the end of 2023, an increase of 363,300 customers compared to the previous year[136]. - The bank maintained a market share of 19.1% in retail deposits in Harbin, ranking first in the region for six consecutive years[137]. - The total sales of personal wealth management products, including wealth management, funds, and insurance, amounted to RMB 47.43 billion during the reporting period[141]. - The company issued a total of 18.0965 million debit cards by December 31, 2023, with an increase of 310,800 cards during the reporting period[140]. Awards and Recognition - Harbin Bank's "Beautiful Life Account" product won the "Best Regional Financial Deposit Product Award" at the 2023 Asian Banker Awards[9]. - The bank was recognized as the "Best Rural Service Revitalization Bank" in the 2022 Financial Times "Gold Dragon Awards" and received multiple awards for its digital transformation initiatives[10]. - The bank's unified intelligent risk control platform was awarded at the China Digital Finance Annual Conference in 2023[10]. Corporate Social Responsibility - The total social welfare expenditure of the company reached RMB 17.2031 million, with green credit balance amounting to RMB 3.1 billion by the end of 2023[194]. - The company engaged in 168 community service activities, benefiting over 60,000 individuals through various volunteer projects during the reporting period[196]. - The company responded to disaster relief efforts by providing aid to over 1,234 households affected by flooding in Heilongjiang Province[196]. - The company issued RMB 50 million in working capital loans to environmental enterprises, using carbon reduction as collateral, marking the first such loan in the province[196]. Governance and Compliance - The board of directors and the audit committee reviewed the annual results, ensuring accuracy and compliance with regulations[1]. - The company holds a financial license approved by the National Financial Regulatory Administration, indicating its compliance with local regulations[2]. - The company has established a clear legal risk prevention process, enhancing its legal compliance training and internal control culture[189]. - The company has implemented a comprehensive anti-money laundering management mechanism, including the creation of an anti-money laundering center to improve work efficiency[191].

| --- | --- | --- | --- | |---------------------------------------------------------------------|-------|-------|-------| | | | | | | ( 於中華人民共和國註冊成立的股份有限公司 ) 哈爾濱銀行股份有限公司 | | | | | 股份代號 : 6138 | | | | | 中期報告 2023 | | | | | | | | | 目 錄 哈爾濱銀行股份有限公司 二零二三年中期報告 | --- | --- | |----------------------------------------|-------| | | | | 釋義 | 2 | | 公司簡介 | 3 | | 會計數據和財務指標摘要 | 7 | | 管理層討論與分析 | 10 | | 股份變動及股東情況 | 78 | | 董事、監事、高級管理人員及員工基本情況 | 83 | | 重要事項 | 91 | | 組織架構圖 | 95 | | 財務報告 | 96 | | 備查文件目錄 | 200 | 本公司經國家金融監督管理總局（ ...

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責對其準確性或 完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部份內容而產生或因倚賴 該等內容而引致的任何損失承擔任何責任。 Harbin Bank Co., Ltd. 哈爾濱銀行股份有限公司 * （於中華人民共和國註冊成立的股份有限公司） （股份代號：6138） 截至2023年6月30日止六個月中期業績公告 哈爾濱銀行股份有限公司（「本行」）之董事會（「董事會」）欣然宣佈本行及其附屬 公司（「本集團」）截至2023年6月30日止六個月之未經審計合併中期業績。本業績 公告列載本行2023年中期報告全文，符合香港聯合交易所有限公司證券上市規則 中有關中期業績初步公告附載資料的要求。本集團編製的截至2023年6月30日止 六個月的簡要合併財務報表已經香港立信德豪會計師事務所有限公司根據國際審 閱準則審閱。本行董事會及審計委員會亦已審閱此中期業績。除特別註明外，本 集團的財務數據以人民幣列示。 本業績公告於本行的網站(www.hrbb.com.cn)及披露易(www.hkexnews.hk)發佈。 截至2023年6月30日止六個月之中 ...