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 中期報告 2025 目 錄 哈爾濱銀行股份有限公司 二零二五年中期報告 | 釋義 | 2 | | --- | --- | | 公司簡介 | 4 | | 會計數據和財務指標摘要 | 8 | | 管理層討論與分析 | 11 | | 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 | 90 | | 組織架構圖 | 94 | | 財務報告 | 95 | | 備查文件目錄 | 200 | 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。 釋義 在本報告中，除非文義另有所指，下列詞語具有如下涵義。 | 「《公司章程》」 | 指 | 《哈爾濱銀行股份有限公司章程》 | | --- ...

2025年9月15日，哈尔滨银行发布公告称，根据中国人民银行2025年支付清算系统维护窗口的安排，清 算总中心、城银清算将于2025年9月21日（周日）0:00至6:00开启支付清算系统维护窗口。受此影响， 在上述时间段内，暂停运行小额支付系统、网上支付跨行清算系统、城商行支付清算系统服务。您通过 手机银行、网上银行发起的跨行转账业务以及通过他行向哈尔滨银行转账业务，均将受到影响。 ...

中国经济网北京9月16日讯 哈尔滨银行（06138.HK）日前发布截至2025年6月30日止六个月中期业 绩。2025年上半年，哈尔滨银行实现营业收入73.86亿元，同比增长2.59%；实现净利润9.92亿元，同比 增长17.28%；实现归属于母公司股东的净利润9.15亿元，同比增长19.96%。 | | 截至2025年6月30日 | | 截至2024年12月31日 | | | --- | --- | --- | --- | --- | | | 金額 | 佔總額百分比 | 金额 | 佔總額百分比 | | | | | (人民幣百萬元,百分比除外) | | | 正常類 | 362,496.9 | 91.2% | 346,268.5 | 91.4% | | 闘注類 | 23,799.7 | 6.0% | 22.068.4 | 5.8% | | 次級類 | 1.575.2 | 0.4% | 1.322.6 | 0.3% | | 可疑類 | 419.0 | 0.1% | 1,337.8 | 0.4% | | 損失類 | 9.275.5 | 2.3% | 8.096.6 | 2.1% | | 客戶貸款及墊款總額 | 39 ...

Core Viewpoint - Harbin Bank (06138) has demonstrated significant advancements in its inclusive finance business in the first half of 2025, launching innovative products such as "Money to Home" and "Agricultural Flash Loan" to enhance service efficiency through digital means [1] Group 1: Inclusive Finance Business Performance - The bank's micro and small enterprise loan disbursement reached 16.918 billion yuan, an increase of 1.62 billion yuan compared to the same period last year [1] - The outstanding balance of micro and small enterprise loans was 41.198 billion yuan, with a growth rate of 11.72% [1] - The average pricing of loans disbursed during the year was 5.83%, a decrease of 0.87 percentage points from the previous year, indicating a continued effort to lower financing costs for small enterprises [1] Group 2: Agricultural Loan Services - The outstanding balance of agricultural loans reached 32.2104 billion yuan, while the balance of loans to farmers was 16.5322 billion yuan [1] - The bank's services have expanded to cover most rural markets in 11 cities of Heilongjiang Province and parts of rural areas in Chengdu, Chongqing, Shenyang, Tianjin, and Dalian outside the province [1] - These efforts are aimed at significantly supporting local county economic development and the prosperity of rural financial markets, contributing to comprehensive rural revitalization [1] Group 3: Strategic Approach and Market Impact - The bank employs differentiated and bulk services to precisely meet the needs of micro, small enterprises, and the agricultural sector, alleviating financing difficulties while expanding its customer base [1] - This strategy enhances customer loyalty and opens new business growth points and profit spaces, demonstrating the bank's commitment to social responsibility [1]

Core Viewpoint - Harbin Bank (06138) has demonstrated significant advancements in its inclusive finance business in the first half of 2025, launching innovative products such as "Money to Home" and "Agricultural Flash Loan" to enhance service efficiency through digital means [1] Group 1: Financial Performance - The bank's inclusive small and micro enterprise loan issuance reached 16.918 billion yuan, an increase of 1.62 billion yuan compared to the same period last year [1] - The outstanding balance of these loans was 41.198 billion yuan, reflecting a growth rate of 11.72% [1] - The average pricing of loans issued during the year was 5.83%, a decrease of 0.87 percentage points from the previous year, indicating a continued effort to lower financing costs for small and micro enterprises [1] Group 2: Agricultural Loans - The outstanding balance of agricultural loans reached 32.2104 billion yuan, with the balance of loans to farmers at 16.5322 billion yuan [1] - The bank's services have expanded to cover the majority of rural markets in 11 cities of Heilongjiang Province and parts of rural areas in Chengdu, Chongqing, Shenyang, Tianjin, and Dalian outside the province [1] Group 3: Strategic Initiatives - The bank is focusing on differentiated and bulk services to precisely meet the needs of small and micro enterprises and the agricultural sector, alleviating financing difficulties while expanding its customer base [1] - This approach not only enhances customer loyalty but also opens new business growth points and profit spaces, supporting local county economic development and the prosperity of rural financial markets [1]

■本报记者 黄力辉 田耿文 夏秋之交，"冰城"哈尔滨气候宜人。8月31日，"哈尔滨银行2025哈尔滨马拉松"赛事活动成功举行，吸 引了海内外3.5万名跑友参赛。 办一场赛，游一座城。美团数据显示，赛事前后一周，赛道周边餐饮酒店搜索量同比上涨一倍至三倍。 比赛过程中，参赛选手在纵情奔跑的同时，还欣赏到沿途欧陆风情的老建筑，品尝马迭尔冰棍、红肠、 大列巴等特色美食，真正实现了"景中有赛，赛中有景"。 作为哈尔滨马拉松的倡导者、推动者与支持者，哈尔滨银行自2016年起，已连续七届冠名支持哈尔滨马 拉松赛事，也让更多的国内外跑友深度感受"冰城夏都"的独特魅力，通过"跑一场马，识一座城"，助力 提升哈尔滨的城市美誉度。 哈尔滨银行安发支行信贷业务负责人告诉《农村金融时报》记者："在支持体育赛事的同时，我行还制 作了系列旅游宣传品，在各旅游景区和我行所辖网点发放，让各地游客感受到'奥运冠军之城''双亚冬之 城'的热情和魅力。" 事实上，为推动产业发展，哈尔滨银行早在三年前就出台《支持地方经济社会高质量发展百项措施》， 通过强化政银合作，积极扶持优质文体旅企业，针对不同经营主体和场景，提供流动资金贷款、供应链 金融反向保理 ...

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Core Viewpoint - Harbin Bank is actively implementing the financial "Five Major Articles" strategy, focusing on green finance to support regional industrial upgrades and economic transformation, achieving significant growth in green loans [1][2] Group 1: Green Finance Initiatives - As of June 30, 2025, Harbin Bank's green loan balance reached nearly 18 billion yuan, with an increase of over 6 billion yuan since the beginning of the year, leading the growth among 21 banking institutions in Heilongjiang Province [1] - The bank has established a comprehensive green finance work system through various guiding documents, ensuring systematic advancement of green finance initiatives [1] Group 2: Product Innovation - Harbin Bank has introduced innovative products such as "sustainable development-linked loans," which tie loan rates to corporate sustainability performance, encouraging low-carbon transitions in traditional industries [2] - The bank has successfully launched several innovative projects, including the first ESG-linked data asset pledge loan in Heilongjiang Province and the first carbon footprint-linked loan, among others, to drive business innovation [2]

Core Viewpoint - Harbin Bank focuses on meeting the needs of the real economy as the starting point and goal for high-quality development in the first half of 2025 [1] Group 1: Financial Support for Real Economy - The bank aims to provide financial support for the development of the real economy by leveraging its advantages in group operation and distribution [1] - The bank is deepening its involvement in key financial areas such as technology and green finance, increasing medium to long-term loans in manufacturing, and supporting modern agriculture and county economies [1] Group 2: Loan Growth and Structure - As of June 30, 2025, the total amount of corporate loans reached 233.2248 billion yuan, an increase of 27.8198 billion yuan compared to the end of the previous year, accounting for 58.7% of total loans [1] - The bank's actions reflect its commitment to social responsibility, injecting vitality into the real economy while optimizing its asset structure and creating conditions for business expansion [1]

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。 ...