智通财经APP获悉，11月20日，在人民银行黑龙江省分行及相关政府部门的指导下，哈尔滨银行(06138) 鸡西分行落地黑龙江省首笔生物多样性可持续发展挂钩贷款项目，为黑龙江龙煤鸡西矿业有限责任公司 授信1.5亿元，专项用于区域内18处矿山的生态环境修复，并实现首笔投放。该项目依托哈尔滨银行可 持续发展挂钩信贷产品进行方案设计，资金用途严格遵循人民银行《生物多样性金融目录》相关标准。 2025年正值"两山"理念提出20周年，一直以来，哈尔滨银行积极践行可持续发展理念，提前谋划布局， 以实际行动积极响应《中共中央关于制定国民经济和社会发展第十五个五年规划的建议》中对于"加强 生物多样性保护"的重要指示。截至2025年三季度末，哈尔滨银行绿色贷款余额近200亿元，通过转型金 融、可持续发展挂钩贷款等创新产品和服务模式，推动黑龙江省实体经济年碳减排量6.9万吨，充分彰 显地方法人银行支持区域实体经济可持续发展的责任与担当。 鸡西市素有"煤城""石墨之都"之称，是我国百年煤炭开采的历史集结地，也是国务院批复确定的国家重 要能源基地。哈尔滨银行鸡西分行根据总行相关政策指导，对区域内重点制造业企业进行摸排梳理，应 用"可持 ...

股份發行人及根據《上市規則》第十九B章上市的香港預託證券發行人的證券變動月報表 截至月份: 2025年10月31日 狀態: 新提交 致：香港交易及結算所有限公司 FF301 第 1 頁 共 10 頁 v 1.1.1 II. 已發行股份及/或庫存股份變動 公司名稱: 哈爾濱銀行股份有限公司 呈交日期: 2025年11月4日 I. 法定/註冊股本變動 | 1. 股份分類 | 普通股 | 股份類別 | H | | | 於香港聯交所上市 (註1) | | 是 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | 06138 | 說明 | | | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | | 法定/註冊股本 | | | 上月底結存 | | | 3,023,570,000 | RMB | | 1 | RMB | | 3,023,570,000 | | 增加 / 減少 (-) | | | 0 | | | | RMB | | 0 | | 本月底結存 | | | 3,023,570,0 ...

Core Viewpoint - The ongoing "return to the nest" reform of village banks, led by main initiating banks, aims to address risks and optimize the financial layout in rural areas, ensuring that financial services remain rooted in local communities and meet the needs of rural residents [1][7][11]. Summary by Sections Village Bank Mergers and Acquisitions - On October 29, three village banks in Shandong were approved for dissolution, with their assets and operations taken over by Qingdao Rural Commercial Bank, marking a significant step in the "village to branch" reform [1][2]. - The day before, six village banks in Sichuan were also absorbed by Chengdu Rural Commercial Bank, indicating a broader trend of consolidation in the sector [2][3]. Background and Rationale - Village banks were established to serve "three rural issues," small and micro enterprises, and county-level economies, filling gaps left by traditional financial institutions. However, many have strayed from their original mission due to weak capital, governance issues, and inadequate risk control [7][11]. - The "village to branch" reform involves the absorption of village banks into their main initiating banks, eliminating their independent legal status and allowing for unified management and operations [7][11]. Strategic Implications - The main initiating banks can leverage their risk management frameworks and capital allocation mechanisms to reduce potential risks associated with village banks, enhancing their overall risk resilience [4][10]. - The consolidation allows main banks to deepen their penetration into rural financial markets by utilizing existing customer bases and branch networks of the absorbed village banks [4][10]. Future Outlook - The reform is expected to continue, with more village banks likely to be integrated into main initiating bank systems, as highlighted by recent regulatory approvals and ongoing discussions in the financial sector [11][12]. - The central government's emphasis on rural financial reform and the need for differentiated strategies for different institutions will be crucial for the success of these reforms [11][12].

Core Viewpoint - The ongoing "return to the nest" reform of village banks, led by main initiating banks, aims to address risks and optimize the financial layout in rural areas, transitioning from scale expansion to quality improvement in financial services [1][8]. Summary by Sections Village Bank Dissolution and Integration - On October 29, three village banks in Shandong were approved for dissolution, with their assets and operations taken over by Qingdao Rural Commercial Bank [3][5]. - Similarly, six village banks in Sichuan were absorbed by Chengdu Rural Commercial Bank, marking a significant shift in the operational structure of these institutions [3][5]. Background and Purpose of Village Banks - Village banks were established to serve the "three rural issues" and small enterprises, filling gaps in financial services at the grassroots level [8][12]. - However, many have deviated from their original purpose due to weak capital, governance issues, and inadequate risk control, leading to a need for consolidation [8][12]. "Village to Branch" Reform Mechanism - The "village to branch" reform involves the absorption of village banks into their initiating banks, eliminating their independent legal status and consolidating operations [8][12]. - This process can occur through two main pathways: full acquisition of shares by the initiating bank or the integration of multiple village banks into a regional management branch [8][12]. Strategic Benefits of Consolidation - The consolidation allows initiating banks to leverage unified risk management frameworks and capital allocation mechanisms, enhancing the overall risk resilience of the absorbed village banks [6][11]. - It also facilitates the expansion of county-level financial services by utilizing existing customer bases and branch networks [6][11]. Future Outlook and Challenges - The reform is expected to continue, with more village banks likely to be integrated into main banks, as highlighted by recent regulatory approvals [12][13]. - However, there are concerns about potential drawbacks, such as longer decision-making processes and increased product homogeneity, which could hinder the unique advantages of village banks [12][13].

Core Points - Both Jilin Bank and Harbin Bank's equity auctions ended in failure due to lack of bids, indicating potential challenges in attracting investment [1] - The total assessed value of the equity from both banks amounts to 957 million yuan [1] Jilin Bank - Jilin Bank's 141,728,904.58 shares were auctioned with a starting price of 401,092,800 yuan and an assessed value of 572,584,775 yuan [1] - The auction ended on October 24, 2025, with no bids placed [1] Harbin Bank - Harbin Bank's 151,310,124 shares were auctioned with a starting price of 269,029,390 yuan and an assessed value of 384,327,700 yuan [1] - Similar to Jilin Bank, this auction also ended on October 24, 2025, with no bids placed [1]

Core Viewpoint - Harbin Bank is actively consolidating its rural banks, reflecting a broader trend in the industry towards restructuring and risk mitigation in rural financial institutions amid ongoing reforms [2][3][7]. Company Actions - On October 22, Harbin Bank announced the approval of four resolutions at its third extraordinary shareholders' meeting in 2025, including the absorption and merger of three rural banks in Chongqing and one in Nehe [2][4]. - The three Chongqing rural banks were established between 2010 and 2012, with registered capital ranging from 50 million to 180 million yuan, and Harbin Bank holds a stake between 70% and 83.3% in these institutions [6]. Industry Context - The consolidation of rural banks is part of a larger trend in the financial sector, with the 2025 central government directive emphasizing the need for reform and restructuring in rural financial institutions [7][8]. - As of August 15, 2025, 100 rural banks have completed mergers, surpassing the total number of exits in 2024, indicating a significant acceleration in the consolidation process [7]. Financial Performance - In the first half of 2025, Harbin Bank reported a revenue of 7.386 billion yuan, a year-on-year increase of 2.59%, and a net profit of 915 million yuan, reflecting a 19.96% growth [10]. - The bank's investment income was a key driver of this growth, with financial investment net income reaching 2.305 billion yuan, a 246.4% increase year-on-year [10]. Asset Quality and Capital Concerns - As of June 30, 2025, Harbin Bank's non-performing loan (NPL) ratio stood at 2.83%, significantly higher than the industry average of 1.49% [11][12]. - The bank's capital adequacy ratios have declined, with the core Tier 1 capital ratio at 8.52%, down 0.16 percentage points from the previous year, indicating potential capital pressures [12].

Core Viewpoint - Harbin Bank announced the approval of four proposals regarding the absorption and merger of several rural banks into branches during its third extraordinary shareholders' meeting in 2025 [1] Group 1: Mergers and Acquisitions - The bank approved the proposal to absorb and merge Chongqing Daduqiao Rongxing Village Bank into a branch [1] - The bank approved the proposal to absorb and merge Chongqing Shapingba Rongxing Village Bank into a branch [1] - The bank approved the proposal to absorb and merge Chongqing Wulong Rongxing Village Bank into a branch [1] - The bank approved the proposal to absorb and merge Nehe Rongxing Village Bank into a branch [1]

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） 於2025年10月22日舉行的2025年第三次臨時股東大會投票表決結果 哈爾濱銀行股份有限公司（「本公司」）董事會（「董事會」）茲宣布，本公司於2025 年10月22日舉行的2025年第三次臨時股東大會（「臨時股東大會」）上，列載於日 期為2025年9月30日的臨時股東大會通告（「通告」）內擬提呈之決議已獲本公司股 東以投票方式表決通過。 除非文義另有所指，否則本公告所用詞彙與本公司日期為2025年9月30日之通函 （「通函」）中所採用者具有相同涵義。 臨時股東大會投票表決結果 臨時股東大會由董事會召集，並由本公司董事長鄧新權先生主持。本公司全體董 事均出席臨時股東大會。 本公司於臨時股東大會當日的已發行股份數為 10,995,599,553 股（ 其 中 7,97 ...

Core Viewpoint - Harbin Bank has issued carbon reduction loans supported by the People's Bank of China, contributing to carbon neutrality goals through financing clean energy and environmental protection projects [1] Summary by Categories Carbon Reduction Loans - Harbin Bank has issued a total of 14.2 million yuan in carbon reduction loans to one project, with an interest rate of 3.95% [1] - The annual carbon reduction achieved through these loans is 5,149.24 tons of CO2 equivalent [1] Project Focus - The carbon reduction loans are specifically allocated to key areas such as clean energy, energy conservation, environmental protection, and carbon reduction technologies [1] Commitment to Green Development - Harbin Bank will continue to play an active role in supporting green and low-carbon development, in accordance with regulations from the People's Bank of China, and will regularly disclose information related to carbon reduction loans [1]

Core Viewpoint - Harbin Bank is advancing its "Digital Harbin Bank" initiative in the first half of 2025, focusing on enhancing technological support and innovation capabilities while ensuring a solid operational foundation [1] Group 1: Digital Transformation - The bank is promoting the digitalization of retail credit through the development of a smart credit project [1] - A three-year information technology strategy plan has been established to create a three-dimensional research and development framework encompassing business, technology, and management [1] - The bank is accelerating the construction of a new digital financial landscape while strengthening its information security assurance system [1] Group 2: Risk Management - The bank maintains a prudent risk preference and is building a comprehensive risk management system [1] - Risk control is integrated throughout the strategic, performance, and business processes, optimizing the entire cycle of risk identification, measurement, and monitoring [1] - The bank emphasizes compliance and enhances intelligent risk control capabilities to establish a solid risk defense for high-quality development [1]