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].

Financial Performance - Net interest income decreased by 16.87% to RMB 4,421.1 million compared to RMB 5,318.6 million in the same period last year[9]. - Total operating income declined by 4.84% to RMB 6,655.0 million from RMB 6,993.2 million year-on-year[9]. - Pre-tax profit fell by 47.33% to RMB 499.9 million, down from RMB 949.2 million in the previous year[9]. - Net profit increased by 19.12% to RMB 700.4 million, compared to RMB 588.0 million in the same period last year[9]. - Earnings per share rose by 100.00% to RMB 0.02 from RMB 0.01 year-on-year[9]. - The average return on equity improved to 0.82%, up from 0.44% in the previous year[9]. - The net interest margin decreased to 1.36%, down from 1.82% year-on-year[9]. - The cost-to-income ratio increased to 32.24%, compared to 29.37% in the same period last year[9]. - Total operating income for the first half of 2023 was RMB 6,655.0 million, a decrease of 4.8% from RMB 6,993.2 million in the same period of 2022[99]. - The bank's operating profit for the first half of 2023 was RMB 499.9 million, a decline from RMB 949.2 million in the same period of the previous year[97]. Asset and Liability Management - As of June 30, 2023, the total assets of Harbin Bank amounted to RMB 787.2203 billion, with total customer loans and advances at RMB 308.7117 billion, and total customer deposits at RMB 638.6100 billion[6]. - The total amount of customer loans and advances reached RMB 308.7117 billion, an increase of RMB 24.2968 billion, representing a growth of 8.5% year-on-year[57]. - The total amount of corporate loans was RMB 168.7591 billion, an increase of RMB 7.716 billion since the beginning of the year, accounting for 54.7% of total loans[113]. - The total amount of personal loans reached RMB 120,604.9 million, representing 39.1% of total loans, with an NPL amount of RMB 4,601.6 million and an NPL ratio of 3.82%[84]. - The total liabilities reached RMB 723.271 billion, an increase of RMB 73.858 billion or 11.4% from the previous year-end[70]. - The balance of interbank borrowing as of June 30, 2023, was RMB 41.849 billion, an increase of RMB 0.8623 billion or 2.1% from the end of 2022[74]. - The amount of repurchase agreements decreased to RMB 7.000 billion, a decline of RMB 25.500 billion or 78.5% compared to the end of 2022[74]. Risk Management - The bank has implemented stricter risk management measures, focusing on optimizing client structure and enhancing approval processes to mitigate default risks[82]. - The bank's credit risk management focuses on high-quality development, enhancing risk control measures, and supporting local economic growth[157]. - The bank has established a specialized debt collection headquarters to enhance the recovery and management of non-performing assets[158]. - The bank's risk management framework integrates risk identification, measurement, monitoring, and control processes to ensure sustainable business development[156]. - The bank's proactive credit risk management includes establishing a risk joint diagnosis mechanism and overdue warning system[158]. - The bank has enhanced its digital risk control capabilities and operational efficiency, significantly improving its core competitiveness in consumer finance[125]. Customer Deposits and Loans - Harbin Bank's total customer deposits increased by a significant percentage compared to the previous year, reflecting strong customer confidence[6]. - As of June 30, 2023, total customer deposits amounted to RMB 638.610 billion, an increase of RMB 80.784 billion or 14.5% compared to the end of 2022[72]. - The overdue loans and advances totaled RMB 52,015.2 million, accounting for 16.8% of total loans, a decrease from 18.9% the previous year[91]. - The non-performing loan ratio stood at 2.92%, a slight increase of 0.03 percentage points from the end of 2022[16]. - The provision coverage ratio improved to 187.45%, up 5.91 percentage points compared to the previous year[16]. Awards and Recognition - Harbin Bank was awarded the "Best Deposit Product Award" for its "Beautiful Life Account" by The Asian Banker in 2023[6]. - The bank's "Unified Intelligent Risk Control Platform" received the "Annual Big Data Product Innovation Award" at the China Digital Finance Annual Conference[6]. - The company received the "Best Bank for Rural Revitalization" award from the Financial Times, recognizing its contributions to rural finance[128]. Corporate Governance and Management - The company has a diverse board with independent directors making up 40% of the total[189]. - The company emphasizes the importance of governance with a structured board and supervisory committee[190]. - The company has undergone significant management changes in 2023, reflecting a strategic shift in leadership[192]. - The company has a strong governance structure with a focus on compliance and risk management, as evidenced by the appointment of a Chief Risk Officer in July 2023[197]. Digital Transformation and Innovation - The bank's digital transformation plan aims to enhance financial technology service levels and build digital financial capabilities[154]. - The company has established over 40 standardized data query tools to support business departments in self-querying and analysis[155]. - The company launched new systems such as the intelligent dual recording system and cross-border clearing system on schedule[155]. Market Position and Strategy - Harbin Bank ranked 183rd in the "2023 Global Top 1000 Banks" list published by The Banker, and was the fourth among Chinese banking institutions in terms of profit growth[6]. - The bank is focusing on green finance and key industries to improve the quality of new loan assets and control risks effectively[19]. - The bank aims to support local economic development and assist clients affected by the pandemic in recovering their operations[92].

Financial Performance - Harbin Bank reported unaudited consolidated interim results for the six months ended June 30, 2023[1]. - Net interest income decreased by 16.87% to RMB 4,421.1 million compared to RMB 5,318.6 million in the same period last year[9]. - Total operating income declined by 4.84% to RMB 6,655.0 million from RMB 6,993.2 million year-on-year[9]. - Pre-tax profit fell by 47.33% to RMB 499.9 million, down from RMB 949.2 million in the previous year[9]. - Net profit increased by 19.12% to RMB 700.4 million, compared to RMB 588.0 million in the same period last year[9]. - Total assets increased by 10.45% to RMB 787,220.3 million, up from RMB 712,733.1 million[10]. - Customer loans and advances totaled RMB 308,711.7 million, an increase of 8.54% from RMB 284,414.9 million[10]. - The capital adequacy ratio improved to 13.97%, up from 11.91% at the end of the previous year[10]. - Earnings per share rose by 100.00% to RMB 0.02 from RMB 0.01 in the same period last year[9]. - The cost-to-income ratio increased to 32.24% from 29.37% year-on-year[9]. Asset Quality and Risk Management - The non-performing loan ratio rose to 2.92% from 2.89% year-on-year[10]. - The provision coverage ratio was 187.45%, up by 5.91 percentage points compared to the end of the previous year[19]. - The bank's credit impairment losses amounted to RMB 3.8859 billion, a year-on-year increase of RMB 0.096 billion, representing a growth rate of 0.2%[53]. - The bank's risk compensation ability remains stable, with a slight increase in the loan impairment loss provision ratio by 0.23 percentage points compared to the previous year[93]. - The bank has implemented stricter risk management measures, focusing on optimizing client structure and enhancing approval processes to mitigate default risks[82]. - The bank has established a dedicated debt collection headquarters to improve the management and operation of non-performing assets[158]. Customer Loans and Deposits - As of June 30, 2023, the total customer loans and advances amounted to RMB 308,711.7 million, an increase from RMB 284,414.9 million as of the previous year[90]. - The total amount of customer deposits as of June 30, 2023, was RMB 638,610.0 million, up by RMB 807.842 million from the end of the previous year, reflecting a growth of 14.5%[72]. - The total amount of corporate loans was RMB 168.7591 billion, an increase of RMB 7.716 billion since the beginning of the year, accounting for 54.7% of total loans[113]. - The total personal loan amount was RMB 120,604.9 million, representing 39.1% of the total, with an NPL amount of RMB 4,601.6 million and an NPL ratio of 3.82%[84]. Subsidiaries and Investments - The bank's major subsidiaries include Harbin Bank Financial Leasing Co., with a registered capital of RMB 2 billion, and Harbin Consumer Finance Co., with a registered capital of RMB 1.5 billion[8]. - The bank has completed the absorption and merger of Bayannur Rural Bank and Yanshou Rural Bank, with registration procedures pending[8]. - The bank's investment in its subsidiaries includes RMB 1.6 billion in Harbin Financial Leasing and RMB 795 million in Harbin Consumer Finance[8]. - The total amount of debt financial instruments issued by financial institutions that the company invested in was RMB 162.1688 billion, an increase of 4.0% compared to the end of the previous year[22]. Awards and Recognition - The bank has received multiple awards, including the "Best Service Rural Revitalization Bank" from the Financial Times in 2022 and the "Best Deposit Product Award" from The Asian Banker in 2023[6]. - The bank's "Unified Intelligent Risk Control Platform" won the "Annual Big Data Product Innovation Award" at the China Digital Finance Annual Conference[6]. Digital Transformation and Technology - The bank's digital transformation strategy aims to enhance financial technology service levels and build digital financial capabilities[154]. - The company continues to focus on integrating digital technologies such as big data, cloud computing, and AI into traditional financial services[125]. - The core business system availability reached 99.996%, with a technology service support resolution rate of 98.84%[155]. Corporate Governance and Management - The company has a total share capital of RMB 10,995,599,553, with 7,972,029,553 shares being domestic shares and 3,023,570,000 shares being H shares[176]. - The company appointed Mr. Yao Chunhe as the executive director and president, effective from March 3, 2023[192]. - The company has undergone significant management changes, including the resignation of previous Chief Risk Officer and Chief Credit Approval Officer in May 2023[192]. - The company emphasizes compliance and governance, with all board members confirming adherence to the established trading conduct[199].

Financial Performance - Net interest income decreased by 10.47% to RMB 9,007.2 million compared to RMB 10,061.0 million in 2021[15]. - Total operating income increased by 4.47% to RMB 12,870.5 million from RMB 12,319.5 million in 2021[15]. - Pre-tax profit rose by 78.40% to RMB 1,001.2 million, up from RMB 561.2 million in 2021[15]. - Net profit attributable to shareholders increased by 102.41% to RMB 554.8 million compared to RMB 274.1 million in 2021[15]. - Total assets grew by 10.49% to RMB 712,733.1 million from RMB 645,046.2 million in 2021[17]. - Total operating income for 2022 was RMB 12,870.5 million, an increase from RMB 12,319.5 million in 2021, representing a growth of 4.5%[134]. - The net profit for the year was RMB 712.5 million, representing a significant increase of 78.7% year-on-year[27]. - The bank achieved a net profit of RMB 712.5 million, representing a year-on-year increase of 78.7%[21]. Asset and Liability Management - As of December 31, 2022, the total assets of Harbin Bank amounted to RMB 712.733 billion, with total customer loans and advances at RMB 284.415 billion, and total customer deposits at RMB 557.826 billion[8]. - The total liabilities of the bank as of December 31, 2022, amounted to RMB 649.4125 billion, an increase of RMB 671.462 million, representing an 11.5% growth[102]. - The total amount of debt instruments issued by financial institutions reached RMB 155.899 billion, an increase of RMB 112.344 billion, with a growth rate of 7.8%[98]. - The bank's total assets as of December 31, 2022, reached RMB 712.7331 billion, an increase of RMB 67.6869 billion or 10.5% compared to the previous year[85]. - The total customer loans and advances decreased to RMB 284.4149 billion, a decline of RMB 9.9443 billion, or 3.4% year-on-year[33]. - The total customer deposits increased to RMB 557.8258 billion, an increase of RMB 56.0746 billion, or 11.2% year-on-year[33]. Risk Management - The non-performing loan ratio slightly increased to 2.89% from 2.88% in 2021[17]. - The provision coverage ratio improved to 181.54% from 162.45% in 2021[17]. - The bank actively managed risks and improved its risk management system in response to external economic challenges[112]. - The bank has intensified efforts in the disposal of non-performing assets, with dedicated recovery centers continuing to play a significant role[117]. - The bank is focusing on risk management by optimizing credit risk standards and policies across various sectors and regions[117]. - The bank has adopted AI and big data in risk management to enhance its smart risk control system[117]. - The bank's risk management framework was strengthened, focusing on credit, market, liquidity, and operational risks to ensure sustainable development[185]. Awards and Recognition - In 2022, Harbin Bank received several awards, including "Best Retail Small and Medium Bank" and "Pioneer Bank in Inclusive Finance" at the 20th China Finance Wind and Cloud Awards[8]. - The bank ranked 249th in the "2022 Global Banking Brand Value 500" and 338th in the "2022 China Brand Value 500" by Brand Finance[8]. - The company was awarded the "Best Retail Small and Medium Bank" in the 5th "Iron Horse" selection in 2022[10]. - The company was recognized as an "Outstanding Digital Transformation Commercial Bank" in 2022[10]. - The company was awarded the "Pioneer Bank in Inclusive Finance" in the 20th China Economic Wind and Cloud Awards in 2022[10]. Customer and Market Engagement - The bank has established 389 operating institutions across seven major administrative regions in China as of December 31, 2022[8]. - The bank operates 17 branches in cities including Tianjin, Chongqing, Dalian, Shenyang, Chengdu, and Harbin, and has set up 32 village and town banks in 14 provinces and municipalities[8]. - The bank's inclusive small and micro enterprise loan issuance totaled RMB 18.6 billion, with a guarantee loan for the "stabilizing enterprises and jobs" fund amounting to RMB 753 million[22]. - The bank's agricultural loan issuance exceeded RMB 13 billion, with inclusive agricultural loans growing at a rate of over 10%[22]. - The bank's international settlement volume reached RMB 54.6 billion, a year-on-year increase of 165%, while cross-border RMB business volume surged to RMB 59.3 billion, a ninefold increase[22]. Digital Transformation and Technology - The bank's technology governance and service capabilities have steadily improved, achieving a regulatory rating of 2C level in information technology supervision[178]. - The bank's digital currency system construction was advanced, enhancing the integration of digital RMB into product service channels, which is expected to increase revenue generation capabilities[183]. - The bank implemented a comprehensive information security protection system, ensuring stable operation of critical systems with 24-hour support services[184]. - The bank is enhancing its digital capabilities by integrating big data, cloud computing, and AI into traditional financial services[158]. - The bank's digital transformation plan for technology lines was established, optimizing resource allocation and reducing system maintenance costs[180]. Strategic Initiatives - In 2023, the bank plans to focus on revitalizing entrepreneurship, reshaping corporate culture, and building a talent system as part of its strategic initiatives[24]. - The bank aims to enhance its operational efficiency and management effectiveness through organizational restructuring and performance evaluation reforms[29]. - Looking ahead to 2023, the bank plans to focus on high-quality development, balancing innovation and risk prevention while enhancing financial services for the real economy[29]. - The company plans to continue optimizing its asset structure and enhancing the value contribution of its investments to improve overall financial performance[59]. - The company is preparing for the application of a wealth management subsidiary license in response to regulatory policies[157].

Financial Performance - Harbin Bank Co., Ltd. reported its audited financial results for the year ended December 31, 2022[1]. - Net profit attributable to shareholders was RMB 15 billion, representing a growth of 8% compared to the previous year[1]. - Future guidance indicates a projected net profit growth of 10% for 2023[1]. - Net profit for the year was RMB 7.125 billion, showing a significant year-on-year increase of 78.7%[21]. - The bank's net profit for 2022 was RMB 12.5 billion, representing a 5.2% increase compared to the previous year[32]. - The company reported a significant reduction in earnings per share, which fell by 92.00% to RMB 0.002 from RMB 0.025 in 2021[15]. - The bank achieved a pre-tax profit of RMB 1,001.2 million in 2022, representing a year-on-year increase of 78.4%[47]. - The bank's operating profit for 2022 was RMB 1,001.2 million, compared to RMB 561.2 million in 2021, indicating a substantial improvement[136]. Asset and Liability Management - The bank's total assets reached RMB 1.2 trillion, an increase of 10% year-on-year[1]. - As of December 31, 2022, total assets reached RMB 712.733 billion, a year-on-year increase of 10.5%[17]. - The total liabilities as of December 31, 2022, amounted to RMB 649,412.5 million, with total assets at RMB 712,733.1 million[132]. - The total amount of investments in debt instruments issued by financial institutions was RMB 155.899 billion, an increase of 7.8% year-on-year[41]. - The bank's total issued capital for its major subsidiaries includes RMB 30 million for Qining Village Bank and RMB 294 million for Lepin Village Bank[12]. - The bank's total liabilities included RMB 41.4085 billion in interbank borrowings, which represented 6.4% of total liabilities[102]. Loan and Deposit Growth - Total customer loans and advances amounted to RMB 284.414 billion, reflecting a decrease of 3.38% compared to the previous year[17]. - Total customer deposits increased to RMB 557.826 billion, representing a year-on-year growth of 11.2%[21]. - The total amount of corporate loans was RMB 161.0431 billion, accounting for 56.6% of total loans[152]. - The total amount of personal loans was RMB 117,360.8 million, with a non-performing loan ratio of 3.23%[120]. - The bank's total customer deposits included RMB 319.8417 billion in personal fixed deposits, which accounted for 57.3% of total personal deposits[104]. Non-Performing Loans and Asset Quality - The non-performing loan ratio stood at 1.5%, a decrease of 0.1 percentage points from the previous year[1]. - The non-performing loan ratio was 2.89%, an increase of 0.01 percentage points from the previous year[21]. - The provision coverage ratio improved to 181.54%, an increase of 19.09 percentage points compared to the previous year[17]. - The bank's overall non-performing loan amount was RMB 8,218.7 million, with a total loan amount of RMB 284,414.9 million, resulting in an overall NPL ratio of 2.89%[121]. - The company focused on optimizing credit structure and enhancing risk management through strict credit risk controls and the implementation of intelligent risk management systems[117]. Digital Transformation and Innovation - Harbin Bank is focusing on digital transformation, with a target to increase online banking users by 20% in the coming year[1]. - The bank has allocated RMB 500 million for research and development of new financial technologies[1]. - The bank's technology governance and service capabilities have steadily improved, achieving a regulatory rating of 2C level in information technology supervision[178]. - The bank's digital currency system construction was advanced, enhancing the integration of digital RMB into product service channels, which is expected to increase revenue generation capabilities[183]. - The company improved its risk control capabilities and enhanced its digital transformation by integrating big data, cloud computing, and AI into traditional financial services[158]. Market Expansion and Strategic Focus - The bank plans to expand its market presence by increasing its branch network by 15% in 2023[1]. - The bank is exploring potential mergers and acquisitions to enhance its service offerings and market share[1]. - The bank's strategic focus includes expanding its presence in various regions, as evidenced by its establishment of financial leasing and consumer finance companies in Northeast China[8]. - The bank is committed to expanding its market presence and enhancing competitiveness as a national urban commercial bank[29]. - The bank's credit support for major projects in Heilongjiang Province totaled RMB 10.739 billion[27]. Awards and Recognition - The bank received multiple awards in 2022, including the "Best Retail Small and Medium Bank" and "Pioneer Bank in Inclusive Finance" at the 20th China Financial Awards[10]. - Harbin Bank ranked 249th in the "2022 Global Bank Brand Value 500" list and 178th in the "2022 Global Top 1000 Banks" list published by The Banker[10]. - Harbin Bank was recognized as the "Outstanding Digital Transformation Commercial Bank" in November 2022, highlighting its commitment to digital innovation[10]. Risk Management - The bank has implemented a comprehensive operational risk management system, focusing on key risk indicators and loss data collection to enhance risk control capabilities[197]. - The bank emphasizes the importance of liquidity risk management, implementing stress tests to assess potential impacts from macroeconomic changes and policy shifts[188]. - The bank's risk management framework was strengthened, focusing on credit, market, liquidity, and operational risks to ensure a solid foundation for sustainable development[185]. - The company has established a clear organizational structure and a comprehensive anti-money laundering (AML) work system, enhancing monitoring effectiveness[200]. Customer Engagement and Services - The number of retail deposit customers reached 14.2844 million, with an increase of 288,300 customers compared to the previous year[144]. - The cumulative sales of personal wealth management products, including funds and insurance, reached 60.884 billion RMB during the reporting period[148]. - The bank's Harbin branch held a retail deposit market share of 18.5%, maintaining the top position in the region for five consecutive years[145]. - The company is preparing for the application of a wealth management subsidiary license in response to regulatory policies[157].

Financial Performance - Net interest income for the six months ended June 30, 2022, was RMB 5,318.6 million, an increase of 5.20% compared to RMB 5,055.8 million in the same period of 2021[9]. - Net fee and commission income rose to RMB 375.8 million, reflecting a significant increase of 25.14% from RMB 300.3 million year-on-year[9]. - Total operating income reached RMB 6,993.2 million, marking a 14.00% growth compared to RMB 6,134.5 million in the previous year[9]. - Profit before tax decreased by 24.37% to RMB 949.2 million, down from RMB 1,255.0 million in the prior year[9]. - Net profit for the period was RMB 588.0 million, representing a decline of 37.47% compared to RMB 940.3 million in the same period of 2021[9]. - The net profit attributable to shareholders of the parent company was RMB 494.6 million, down 41.89% from RMB 851.2 million year-on-year[9]. - Earnings per share dropped to RMB 0.01, a decrease of 87.50% from RMB 0.08 in the previous year[9]. - The average return on total assets decreased to 0.18%, down from 0.31% in the same period last year[9]. - The cost-to-income ratio improved to 29.37%, a decrease from 30.14% in the previous year[9]. Asset and Liability Management - As of June 30, 2022, the total assets of Harbin Bank amounted to RMB 661.6549 billion, with total customer loans and advances reaching RMB 287.0476 billion, and total customer deposits at RMB 509.5103 billion[6]. - The total customer loans and advances decreased to RMB 287.0476 billion, a decline of RMB 7.3116 billion or 2.48% from the end of the previous year[14]. - The total customer deposits increased to RMB 509.5103 billion, an increase of RMB 7.7591 billion or 1.55% compared to the end of the previous year[14]. - Total liabilities amounted to RMB 598.8223 billion as of June 30, 2022, an increase of RMB 16.5560 billion or 2.8% compared to the end of the previous year[69]. - The total equity attributable to shareholders of the parent company was RMB 60.7535 billion, a slight decrease of 0.07% compared to the end of the previous year[10]. Risk Management - The non-performing loan ratio stood at 2.95%, an increase of 0.07 percentage points from the end of the previous year[16]. - The provision coverage ratio improved to 174.67%, an increase of 12.22 percentage points from the end of the previous year[16]. - The bank implemented stricter risk management policies, focusing on optimizing the credit structure and enhancing the management of non-performing loans[81]. - The bank has established a comprehensive risk management system to adapt to the complex external environment and the impacts of the COVID-19 pandemic[151]. - The bank's credit impairment losses totaled RMB 3,876.3 million, reflecting the impact of the ongoing COVID-19 pandemic on borrowers[93]. Strategic Initiatives - The bank's strategic focus remains on serving local economies, small and medium enterprises, and urban and rural residents, amidst economic challenges[13]. - The bank plans to enhance asset-liability management and optimize the asset portfolio to stabilize net interest margin and yield amid ongoing market competition and external uncertainties[18]. - The bank's strategy includes increasing support for the "three rural issues" (agriculture, rural areas, and farmers) to align with national rural revitalization efforts[81]. - The bank is committed to supporting green finance and the development of high-tech industries, aligning its credit policies with national strategies[152]. Customer and Market Engagement - The bank established 390 operating institutions across seven major administrative regions in China as of June 30, 2022[6]. - The bank's retail deposit customers reached 14.1455 million, an increase of 149,400 customers or 1.07% from the end of the previous year[101]. - The cumulative number of serviced clients exceeded 32 million, with total loans surpassing RMB 140 billion[141]. - The bank's wealth management customer base with personal financial assets exceeding RMB 300,000 reached 360,700, an increase of 7.8% from the previous year[101]. Corporate Governance and Management - The company has a diverse board of directors, including 8 directors with varying roles and responsibilities, ensuring a broad range of expertise[182]. - The supervisory board consists of 7 members, including external supervisors, enhancing oversight and governance[183]. - The company emphasizes compliance and risk management, with key positions held by experienced professionals in these areas[187]. - The management team includes a chief risk officer and a chief credit approval officer, indicating a robust risk management framework[184]. Digital Transformation and Technology - The bank is focused on digital transformation and enhancing its financial technology capabilities to support the development of a modern financial system[149]. - The bank is actively promoting the digital RMB project and has completed the construction of the digital RMB project, enhancing its service capabilities[150]. - The bank has implemented a mobile financial app accessibility project to provide convenient services for elderly and disabled customers[150]. Related Party Transactions - The major related party transactions with Harbin Investment Group and its affiliates amounted to a credit limit and guarantee business of RMB 7.559 billion, with a business balance of RMB 5.596 billion, accounting for 9.4% of the company's net capital as of the end of Q2 2022[125]. - The company has established a standardization of bond products for its related party transactions, ensuring compliance with regulatory requirements[127]. - The company’s related party transactions have been approved by the board of directors, with independent non-executive directors confirming the legality and fairness of the processes[129].

Financial Performance - Net interest income decreased by 18.26% to RMB 10,061.0 million from RMB 12,309.2 million in 2020[18] - Net fee and commission income fell by 20.80% to RMB 697.0 million compared to RMB 880.0 million in the previous year[18] - Operating income declined by 15.66% to RMB 12,319.5 million from RMB 14,606.3 million in 2020[18] - Pre-tax profit decreased by 60.17% to RMB 561.2 million, while net profit dropped by 49.90% to RMB 398.7 million[18] - Net profit attributable to shareholders decreased by 63.24% to RMB 274.1 million from RMB 745.7 million in 2020[18] - Earnings per share fell by 71.43% to RMB 0.02 compared to RMB 0.07 in the previous year[18] - Average return on total assets decreased to 0.06% from 0.13% in 2020, a decline of 0.07 percentage points[18] - Average return on equity decreased to 0.55% from 1.51%, a decline of 0.96 percentage points[18] - Net interest margin decreased to 1.74% from 2.18%, a decline of 0.44 percentage points[18] - Cost-to-income ratio increased to 38.28% from 32.06%, an increase of 6.22 percentage points[18] Asset and Liability Management - As of December 31, 2021, total assets reached RMB 645.046 billion, a year-on-year increase of 7.76%[20] - Customer deposits amounted to RMB 501.751 billion, up 6.92% compared to the previous year[20] - The loan balance was RMB 294.359 billion, reflecting a growth of 4.92% year-on-year[20] - The capital adequacy ratio stood at 12.54%, a slight decrease of 0.05 percentage points from the previous year[20] - The bank successfully issued RMB 11 billion in perpetual bonds, setting a record for the largest issuance among similar-sized city commercial banks[24] - The bank's total equity attributable to shareholders increased by 23.45% to RMB 60.794 billion compared to the previous year[20] - The total liabilities amounted to RMB 582.2663 billion, an increase of RMB 34.7718 billion, representing a growth of 6.4% compared to the previous year[99] - The total amount of repurchase agreements was RMB 89.980 billion, a substantial increase of RMB 75.278 billion, indicating a growth of 512.0%[103] Credit Quality and Risk Management - The non-performing loan ratio decreased to 2.88%, down 0.09 percentage points from the previous year, marking a positive turning point[24] - The provision coverage ratio was 162.45%, an increase of 29.19 percentage points year-on-year[32] - The bank's credit impairment losses improved by RMB 1,600.9 million, or 19.3%, to RMB 6,700.5 million[46] - The bank has strengthened its risk management framework, focusing on optimizing the credit structure and enhancing asset quality control[115] - The bank's corporate loan NPL ratio was 2.97%, a decrease of 0.18 percentage points from the previous year[115] - The bank's retail loan NPL ratio showed a slight increase due to the impact of the COVID-19 pandemic on personal repayment capabilities[115] - The overdue loans accounted for 14.4% of the total loans, an increase from the previous year's 9.1%[125] - The loan impairment loss provision as of December 31, 2021, was RMB 13,780.8 million, up by RMB 2,676.1 million from the previous year, with a provision coverage ratio of 4.68%[126] Customer and Market Position - Harbin Bank ranked 261st in the "2021 Global Banking Brand Value 500" by Brand Finance and 204th in "The Banker’s 2021 Global 1000 Banks" list[8] - The bank has established 392 operating institutions across seven major administrative regions in China as of December 31, 2021[8] - The bank's headquarters is located in Harbin, with a comprehensive network of branches and subsidiaries across the country[8] - The company achieved a ranking of 204 in the "2021 Global Bank 1000" list by The Banker[12] - The company ranked 34th in the "Top 100 Chinese Banks" by the China Banking Association in July 2021[12] - The bank's market share of RMB retail deposits in Harbin was 18.6%, maintaining the top position in local market growth for four consecutive years[143] Awards and Recognition - In 2021, Harbin Bank was awarded several accolades, including "Best Corporate Governance Bank" by Global Finance and "Best Cross-Border Payment Innovative Small and Medium Bank" by the Golden Dragon Awards[8] - Harbin Bank was recognized as the "Outstanding Retail Bank of 2021" and "Responsible Bank for Rural Revitalization" in the 19th China Finance Wind and Cloud Awards[8] - The company received the "2021 Best Retail Bank Award" at the 19th China Financial Economic Awards[13] - The company was awarded the "Best Company" in the 14th "China Star" selection by Global Finance in August 2021[12] - The company was awarded the "Best Innovative Wealth Management Product" at the Jin Yu Awards in September 2021[12] - The company was recognized for its "Community Elderly Care Financial Model Innovation Case" at the China Financial Innovation Awards in September 2021[12] Digital Transformation and Innovation - The company launched a "Mobile Banking Intelligent Upgrade Project" which won an award for outstanding achievements in digital transformation in November 2021[12] - The bank is focusing on enhancing online, intelligent, and automated business operations in response to increased demand for online financial services[44] - The bank's electronic channel business replacement rate reached 97%, with mobile channel replacement rate at 73%, increasing by 2 and 6 percentage points respectively compared to the previous year[173] - The number of online banking customers grew to 4.4344 million, a year-on-year increase of 12.93%[175] - The number of active mobile banking users reached 3.1986 million, up 19.06% year-on-year[177] - The bank has developed 164 major business systems across 116 categories, enhancing its self-research capabilities to support operational and transformation needs[184] Community and Social Responsibility - The bank has provided over RMB 1 billion in financial support to businesses during the pandemic[43] - The company was awarded the "2021 Rural Revitalization Responsibility Bank" by the 19th China Financial Wind and Cloud Awards, reflecting its commitment to rural financial services[167] - The bank actively supported small and micro enterprises by increasing the issuance of inclusive loans, contributing to the growth of credit guarantee loans[121] International Business and Cross-Border Transactions - The bank's international settlement volume reached RMB 20 billion, a year-on-year increase of 60%[24] - The company achieved an international settlement volume exceeding RMB 20 billion in cross-border business with Russia[164] - The company successfully developed and launched the CIPS system, becoming the third city commercial bank in China to directly participate in the CIPS system, with a transaction volume exceeding RMB 4.75 billion[165] - The company launched innovative financial products for cross-border transactions, including the "Russian Speed Remittance" and foreign exchange hedging products, contributing to the development of cross-border RMB direct investment[165]