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 ...

Financial Performance - 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[14]. - Harbin Bank's total customer deposits increased by a certain percentage compared to the previous year, reflecting strong customer confidence and market position[14]. - The bank's financial performance indicators show a positive trend, with significant growth in both assets and deposits year-over-year[14]. - Net interest income for 2023 reached RMB 9,549.0 million, an increase of 6.02% compared to RMB 9,007.2 million in 2022[22]. - Total operating income was RMB 13,241.7 million, reflecting a growth of 2.88% from RMB 12,870.5 million in the previous year[22]. - Net profit attributable to shareholders of the parent company increased by 33.38% to RMB 740.0 million from RMB 554.8 million in 2022[22]. - The bank's total assets grew by 14.11% to RMB 813,328.7 million, up from RMB 712,733.1 million in 2022[25]. - The non-performing loan ratio decreased slightly to 2.87% from 2.89% in the previous year[25]. - The provision coverage ratio improved to 197.38%, up from 181.54% in 2022, indicating stronger asset quality management[25]. - The capital adequacy ratio increased to 13.71%, up from 11.91% in the previous year, reflecting enhanced capital strength[25]. - The bank achieved an operating income of RMB 13.2417 billion, which is a year-on-year growth of 2.9%[38]. - Net profit for the year was RMB 888.1 million, representing a significant increase of 24.6% year-on-year[28]. - The average return on total assets for 2023 was 0.12%, showing an increase compared to the previous year[49]. - The bank's net interest margin was 1.56%, a decrease of 0.02 percentage points year-on-year, while the net interest yield was 1.43%, down 0.12 percentage points[53]. - The company reported a total credit impairment loss of RMB 6.9579 billion for the year, compared to RMB 6.5841 billion in the previous year[155]. Customer Loans and Deposits - Customer loans and advances totaled RMB 323,182.7 million, a 13.63% increase from RMB 284,414.9 million in 2022[25]. - The total amount of customer loans and advances was RMB 323.1827 billion, an increase of RMB 38.7678 billion, reflecting a growth of 13.6% year-on-year[49]. - Customer deposits totaled RMB 642.5056 billion, marking a 15.2% increase from the end of the previous year[38]. - The total amount of small enterprise corporate loans reached RMB 79.316 billion, an increase of RMB 18.296 billion, representing a growth rate of 30.0% compared to the previous year[108]. - The total amount of microloans reached RMB 197.866 billion, representing 61.2% of the total customer loan amount[195]. - The total amount of corporate loans was RMB 184.0051 billion, reflecting a growth of 14.3% compared to the beginning of the year, and accounting for 56.9% of total loans[182]. Awards and Recognition - Harbin Bank ranked 183rd in the "2023 Global 1000 Banks" list published by The Banker and 41st in the "2023 Top 100 Chinese Banks" by the China Banking Association[15]. - The "Beautiful Life Account" product won the "Best Deposit Product Award" at the 2023 Asia Banker China Awards[15]. - Harbin Bank has been recognized for its contributions to rural financial services, receiving multiple awards for its initiatives in this area[15]. - Harbin Bank was awarded the "Best Rural Service Bank" in the 2023 "Golden Dragon Award" by Financial Times in December 2023[6]. - Harbin Bank was recognized as a "Pioneer Bank in Social Responsibility" at the 21st China Economic Finance Storm Awards in December 2023[6]. Risk Management and Asset Quality - The non-performing loan balance was RMB 9.2596 billion, with a non-performing loan ratio of 2.87%, a decrease of 0.02 percentage points from the previous year[50]. - The provision coverage ratio was 197.38%, an increase of 15.84 percentage points year-on-year, indicating improved asset quality management[50]. - The bank focused on risk management by optimizing industry, regional, and customer structures, enhancing approval quality and efficiency[137]. - The overall asset quality remains stable, with efforts to manage high-risk customer groups and enhance the recovery of non-performing assets[145]. Digital Transformation and Innovation - The bank's commitment to innovation is evident in its ongoing research and development of new financial technologies and products[15]. - The digital management capabilities have been significantly improved, with a focus on user-centered design and integration of technology into business operations[41]. - The bank is focusing on digital transformation and enhancing customer relationship management to support the sustainable development of retail financial services[165]. Market Expansion and Strategy - Harbin Bank is actively pursuing market expansion strategies, including the establishment of new branches and financial service companies[14]. - The bank's strategy includes increasing financial support for infrastructure projects and the manufacturing sector in Heilongjiang province[143]. - The company aims to enhance its financial services to the real economy and strengthen its competitive position as a city commercial bank[42]. Corporate Social Responsibility - The company has implemented a comprehensive risk management approach, integrating it into strategic development and performance management processes[40]. - The company has established a dedicated department for inclusive finance to enhance services for small and micro enterprises, ensuring effective support for their financial needs[198]. - The company provided a total of RMB 188 billion in "stabilization" loans, helping over 2,000 enterprises stabilize more than 10,000 jobs[199].

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 ...

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 2022 本公司經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。 哈爾濱銀行股份有限公司 1 二零二二年年度報告 目錄 | --- | |---------------------------------------------------| | | | 目錄 1 | | 目錄 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 16 | | 董事會報告 20 | | 股份變動及股東情況 98 | | 企業管治報告 104 | | 監事會報告 138 | | 重要事項 141 | | 董事、監事、高級管理人員、員工和機構基本情況 145 | | 財務報告 ...

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） 2022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2022年12月31日止經審計年度業績。本業績公告列載本行 2022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2022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。本行董事會及 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。 本行2022年年度報告的印刷版本將於2023年4月寄發予本行H股股東，屆時亦可 ...

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 2021 本公司經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。 哈爾濱銀行股份有限公司 1 二零二一年年度報告 目錄 | --- | --- | |----------------------------------------------|-------| | | | | 釋義 2 | | | 公司簡介 4 | | | 會計數據和財務指標摘要 11 | | | 董事長致辭 14 | | | 董事會報告 17 | | | 股份變動及股東情況 102 | | | 企業管治報告 108 | | | 監事會報告 142 | | | 重要事項 145 | | | 董事、監事、高級管理人員、員工和機構基本情況 | 150 | | 財務 ...