地址為 為哈爾濱銀行股份有限公司（「本公司」）股本中每股面值人民幣1.00元的內資股╱H股 股 （附註2） 的登記持有人，茲委任大會主席 （附註3） 或 地址為 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） 將於2025年10月22日舉行的2025年第三次臨時股東大會的代表委任表格 本人╱吾等 （附註1） 為本人╱吾等的代表，代表本人╱吾等出席本公司訂於2025年10月22日（星期三）上午9時假座中國黑龍江省哈爾 濱市道里區上江街888號哈爾濱銀行總部大廈4001會議室舉行的2025年第三次臨時股東大會（「臨時股東大會」）及其 任何續會，並在臨時股東大會及任何續會上代表本人╱吾等投票及行使法律、法規及本公司章程賦予代表的一切權 利。 附註： 1. 請用正楷填上登記在本公司股東名冊上之股東名及地址。 2. 請填上以 閣下名義登記的股份數目。如未有填上股數，則本代表委任表格將被視為與全部以 閣下名義登記的本公司股份有關。 3. 如欲委任大會主席以外的人士出任代表，請刪除「大會主席」等字，並在適當空位上填上欲委任的代表的 ...

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通告的內容概不負責，對其準確性或完整性亦 不發表任何聲明，並明確表示，概不對因本通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） – 1 – 哈爾濱銀行股份有限公司 董事長 鄧新權 中國哈爾濱，2025年9月30日 * 哈爾濱銀行股份有限公司根據香港法例第155章銀行業條例並非一家認可機構，不受香港金融管理 局監督，亦不獲授權在香港經營銀行╱存款業務。 2025年第三次臨時股東大會通告 茲通告哈爾濱銀行股份有限公司（「本公司」）謹定於2025年10月22日（星期三）上 午9時假座中國黑龍江省哈爾濱市道里區上江街888號哈爾濱銀行總部大廈4001會議室 召開2025年第三次臨時股東大會（「臨時股東大會」），以審議並酌情通過下列決議案： 特別決議案 承董事會命 1. 審議並批准關於吸收合併重慶市大渡口融興村鎮銀行改建支行的議案 2. 審議並批准關於吸收合併重慶市沙坪壩融興村鎮銀行改建支行的議案 ...

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） (1) 關於吸收合併重慶市大渡口融興村鎮銀行改建支行的議案 (2) 關於吸收合併重慶市沙坪壩融興村鎮銀行改建支行的議案 此通函為重要文件 請即處理 閣下如對本通函任何方面或應採取之行動有任何疑問，應諮詢 閣下之股票經紀或其他註冊證券商、銀行 經理、律師、專業會計師或其他專業顧問。 閣下如已售出或轉讓名下所有哈爾濱銀行股份有限公司之股份，應立即將本通函連同代表委任表格送交買 主或承讓人，或經手買賣或轉讓之銀行、股票經紀或其他代理商，以便轉交買主或承讓人。 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通函之內容概不負責，對其準確性或完整性亦 不發表任何聲明，並明確表示，概不對因本通函全部或任何部份內容而產生或因倚賴該等內容而引致之任 何損失承擔任何責任。 及 2025年第三次臨時股東大會通告 本公司謹定於2025年10月22日（星期三）上午9時假座中國黑龍江省哈爾濱市道里區上江街888號哈爾濱銀 行總部大廈4001會議室召開臨時股東大會。召開臨時股東大會的通告載於本 ...

2025年上半年，哈尔滨银行(06138)积极融入国内国际"双循环"格局，跨境业务成绩斐然。与13个 "一带 一路" 沿线国家百余家金融机构合作，作为 CIPS 直接参与者推广跨境人民币支付，跨境清结算业务总 量大增。完善跨境金融产品体系，实现场景服务全覆盖，服务跨境客户数同比翻倍。坚持以创新服务跨 境金融业务，落地黑龙江省首笔边民互市贸易结算业务并获行业奖项。跨境业务的拓展，有助于优化收 入结构，提升品牌国际影响力，未来在政策与市场机遇下，有望进一步提升跨境金融市场竞争力。 ...

Group 1 - The core event is the celebration of the eighth Chinese Farmers' Harvest Festival, organized by Harbin Bank, focusing on "celebrating harvest, promoting culture, and revitalizing rural areas" [1] - Harbin Bank has established the "Farmers' Integrity Customer Festival" since 2019, using it as a platform to reward farmers and promote agricultural culture [2] - The bank's branches have engaged in various activities to provide financial services tailored to agricultural needs, enhancing the connection between the bank and local farmers [3] Group 2 - Harbin Bank is actively responding to the national strategy for building an agricultural powerhouse, creating a comprehensive financial service system covering the entire agricultural industry chain [4] - The bank has introduced innovative loan products to address agricultural development challenges, with a focus on supporting key agricultural processes and reducing financing costs for farmers [4] - As of June 2025, Harbin Bank's agricultural loan balance reached 32.21 billion yuan, with 16.53 billion yuan specifically for farmers, contributing to rural revitalization efforts [4]

Core Viewpoint - Harbin Bank reported a net profit of 915 million yuan for the first half of 2025, marking a year-on-year increase of 19.96%, despite facing challenges such as a declining net interest margin and a relatively high non-performing loan ratio [1][2][6]. Financial Performance - The bank achieved an operating income of 7.386 billion yuan, up 2.59% year-on-year, and a net profit of 999.2 million yuan, reflecting a 17.28% increase [2]. - The average return on total assets was 0.22%, an increase of 0.02 percentage points year-on-year, while the average return on equity rose to 2.07%, up 0.57 percentage points [2]. - Interest income decreased significantly, with net interest income at 4.413 billion yuan, down 11.4% year-on-year [2]. Asset Quality - The non-performing loan ratio stood at 2.83%, only slightly down by 0.01 percentage points from the previous year, which is notably higher than the average of 1.76% for city commercial banks [1][6]. - The bank's non-performing loan balance was 11.27 billion yuan, with a provision coverage ratio of 209.95%, up 7.36 percentage points year-on-year [6]. Capital Adequacy - As of June 30, 2025, the core tier 1 capital adequacy ratio was 8.52%, down 0.16 percentage points from the end of the previous year, indicating pressure on capital replenishment [7]. - The total assets reached 927.528 billion yuan, a 1.23% increase from the end of the previous year, while customer loans and advances rose by 4.87% to 397.566 billion yuan [5]. Future Outlook - The bank anticipates continued pressure on net interest margin and net interest yield due to external uncertainties and intense competition [3]. - Harbin Bank plans to enhance its capital management and diversify its profit channels to improve its internal capital generation capacity [7].

Core Viewpoint - Harbin Bank is enhancing its digital customer relationship management and accelerating the transformation of its "online + offline" multi-channel collaboration, supporting the shift of its retail business from a singular focus to a comprehensive approach [1] Group 1: Digital Transformation and Retail Business Development - The bank is building a closed loop for retail financial services and customer service, deepening the brand connotation of warm retail services, and promoting sustainable and high-quality development of retail financial business [1] - As of June 30, 2025, the total retail deposits (in both domestic and foreign currencies) reached RMB 509.9701 billion, an increase of RMB 9.9931 billion, representing a growth rate of 2.0% compared to the end of the previous year [1] - The average balance of retail deposits (in both domestic and foreign currencies) was RMB 508.5372 billion, which is an increase of RMB 47.0006 billion, reflecting a growth rate of 10.2% year-on-year [1] Group 2: Market Position - According to the statistics from the People's Bank of China Heilongjiang Branch, as of the reporting period, Harbin Bank's retail deposit balance accounted for 19.58% of the local market share, ranking first in the local market [1]

Core Viewpoint - Harbin Bank is conducting a system upgrade on September 25, 2025, which will temporarily suspend various banking services to enhance customer experience [1] Group 1 - The system maintenance will occur from 0:00 to 1:00 on September 25, 2025 [1] - During the maintenance period, services such as credit card applications, inquiries, activations, transaction notifications, and certain loan services will be unavailable [1] - Customers are advised to make necessary arrangements in advance due to the service interruptions [1]

Core Viewpoint - Harbin Bank is enhancing its digital customer relationship management and accelerating the transformation of its "online + offline" multi-channel collaboration and marketing, supporting the shift of its retail business from a singular focus to a comprehensive approach [1] Group 1: Digital Transformation and Retail Business Development - The bank is building a closed loop for retail financial services and customer service, deepening the brand connotation of warm retail services, and promoting sustainable and high-quality development of retail financial business [1] - As of June 30, 2025, the total retail deposits (in both domestic and foreign currencies) amounted to RMB 509.971 billion, an increase of RMB 9.9931 billion, representing a growth rate of 2.0% compared to the end of the previous year [1] - The average balance of retail deposits (in both domestic and foreign currencies) was RMB 508.5372 billion, an increase of RMB 47.0006 billion, with a growth rate of 10.2% year-on-year [1] Group 2: Market Position - According to the statistics from the People's Bank of China Heilongjiang Branch, as of the reporting period, Harbin Bank's retail deposit balance held a market share of 19.58% in the local market, ranking first in retail deposit balance [1]

以9月18日收盘价计算，哈尔滨银行目前市盈率（TTM）约4.02倍，市净率（TTM）约0.08倍，市销率（TTM）约0.3倍。 市净率(LF)历史分位(%) (100 900 80 70 60 52a01 50 44.42 40 HPR 365 34x84 30 29:35 20 17o24 10 0 2019-12-37 | '-12-37 ' 22-12-37 J-72-37 制图数据来自恒生聚源数据库 公司业务包括吸收公众存款；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。 历年营收、净利同比增长情况(%) 120 - % 90 60 30 7.56 4.47 2.88 259 0 3.43 -15.66 -3 ...