Core Insights - The successful hosting of the "Harbin Bank 2025 Harbin Marathon" attracted 35,000 participants, showcasing the city's charm and boosting local tourism and economy [1] - The event significantly increased the search volume for restaurants and hotels around the marathon route, with a year-on-year rise of 100% to 300% [1] - Harbin Bank has been a continuous supporter of the marathon since 2016, enhancing the city's reputation and promoting the integration of sports, culture, and tourism [1] Company Initiatives - Harbin Bank has developed a series of tourism promotional materials to enhance the appeal of the city as a destination, emphasizing its identity as an "Olympic Champion City" and "Double Olympic Winter City" [2] - The bank has implemented the "100 Measures to Support High-Quality Economic and Social Development" to foster local industry growth, providing various financial products to support cultural, sports, and tourism enterprises [2] - As of September 10, 2025, Harbin Bank's loans for the cultural and tourism industry amounted to 11.766 billion yuan, demonstrating its commitment to driving local economic development [2]

Core Viewpoint - Harbin Bank has demonstrated strong performance in the first half of 2025, with significant growth in net profit and a stable asset quality, indicating robust operational capabilities in a complex economic environment [3][4][5]. Financial Performance - The bank achieved operating income of 7.3855 billion yuan, a year-on-year increase of 2.59% [3]. - Net profit reached 999.2 million yuan, reflecting a year-on-year growth of 17.28%, significantly outpacing revenue growth [3][4]. - Total assets amounted to 927.5275 billion yuan, up 1.23% from the end of the previous year [3]. - Customer loans and advances totaled 397.566 billion yuan, increasing by 4.87%, indicating a focus on credit expansion [3][4]. Asset Quality and Risk Management - Non-performing loan balance stood at 11.27 billion yuan, with a non-performing loan ratio of 2.83%, showing a slight decrease from the end of 2024 [5]. - The provision coverage ratio improved by 7.36 percentage points to 209.95%, well above regulatory requirements, enhancing risk resilience [5]. - The bank's capital adequacy ratios met regulatory standards, supporting business development needs [5]. Cross-Border Financial Services - Harbin Bank has established partnerships with over a hundred financial institutions in 13 countries along the Belt and Road Initiative, enhancing its cross-border financial services [6]. - The bank is a direct participant in the Cross-Border Interbank Payment System (CIPS), promoting cross-border RMB payment services [6]. - The bank's cross-border settlement business volume saw significant growth, contributing to high-quality development in this area [6]. Digital Transformation - The bank is accelerating its digital transformation, with increased technology investments and improved online service capabilities [7][8]. - Enhanced data governance and application capabilities are being developed, utilizing big data and AI for better customer marketing and risk management [8]. - The bank is focusing on talent development to support its digital initiatives, optimizing organizational structures and business processes [8]. Future Outlook - Harbin Bank aims to continue serving the real economy while enhancing refined management and maintaining a risk-averse approach [8]. - The bank sees opportunities arising from regional economic development and plans to innovate in products and services, furthering its digital transformation [8].

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]

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, leveraging its operational advantages in the Heilongjiang province [1] - The group emphasizes key financial areas such as technology and green finance, increasing medium to long-term loans in manufacturing and credit investments across the entire energy industry chain [1] - The bank supports modern agriculture and county-level economies, deepening cooperation with government and state-owned enterprises, and responding to real estate financing mechanisms [1] Group 2: Loan Growth and Financial Responsibility - 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 actively fulfills its social responsibility as a financial institution, injecting vitality into the real economy while creating conditions for its own business expansion and optimizing asset structure [1] - The bank is expected to continue benefiting from the dividends of real economic development [1]

Core Viewpoint - Harbin Bank reported a stable growth in its mid-year performance for 2025, focusing on asset and liability restructuring, risk management, and deepening service to the real economy, achieving improvements in scale, quality, structure, and efficiency [2][4]. Financial Performance - As of June 30, 2025, the total assets of the group reached RMB 9,275.275 billion, an increase of RMB 112.956 billion, or 1.23% from the end of the previous year [2]. - Total customer loans and advances amounted to RMB 3,975.663 billion, up RMB 184.724 billion, or 4.87% [2]. - Total customer deposits were RMB 6,950.559 billion, with a slight increase of RMB 13.765 billion, or 0.20% [2]. - The group achieved operating income of RMB 73.855 billion, a year-on-year increase of 2.59% [2]. - Net profit reached RMB 9.921 billion, up RMB 1.462 billion, or 17.28% year-on-year [2]. - Return on average total assets was 0.22%, up 0.02 percentage points year-on-year [2]. - Return on average equity was 2.07%, an increase of 0.57 percentage points year-on-year [2]. Asset Quality - The non-performing loan balance was RMB 112.697 billion, with a non-performing loan ratio of 2.83%, down 0.01 percentage points from the end of the previous year [3]. - The provision coverage ratio was 209.95%, up 7.36 percentage points [3]. - The loan impairment loss provision ratio was 5.95%, an increase of 0.20 percentage points [3]. Support for Real Economy - The group emphasized financial support for the real economy, focusing on sectors such as technology finance, green finance, and inclusive finance [4]. - Company loans totaled RMB 2,332.248 billion, representing 58.7% of total loans, with an increase of RMB 278.198 billion [4]. Inclusive Finance Initiatives - The group launched a new digital retail credit product "Qian Dao Jia," enhancing online management and digital operations for small and micro enterprises [5]. - Inclusive finance loans for small and micro enterprises reached RMB 169.18 billion, up RMB 16.2 billion year-on-year, with a balance of RMB 411.98 billion, growing at 11.72% [5]. Retail Banking Development - Retail deposits totaled RMB 5,099.701 billion, an increase of RMB 99.931 billion, or 2.0% [7]. - The group maintained a 19.58% market share in retail deposits in Harbin, ranking first in the local market [7]. Cross-Border Business Growth - The group established partnerships with over a hundred financial institutions in 13 Belt and Road countries, promoting cross-border RMB payment services [10]. - Cross-border settlement business volume saw significant growth, enhancing the quality of cross-border financial services [10]. Digital Transformation - The group is advancing its "Digital Harbin Bank" initiative, focusing on enhancing operational security and technology-driven capabilities [12]. - The group is committed to optimizing its international settlement systems and improving efficiency in cross-border financial services [11].

Core Viewpoint - Harbin Bank (06138) reported steady growth in its mid-year performance for 2025, indicating a solid foundation for future development and sending a positive signal to the market [1] Financial Performance - The bank achieved operating income of 7.3855 billion yuan, representing a year-on-year increase of 2.59% [1] - Net profit reached 992.1 million yuan, an increase of 146.2 million yuan, with a growth rate of 17.28% [1] - The net profit attributable to shareholders of the parent company was 915.4 million yuan, up by 152.3 million yuan, marking a growth of 19.96% [1]

Group 1 - The People's Bank of China Sichuan Branch announced an administrative penalty against Langzhong Rongxing Village Bank for violations of financial statistical management, account management, and network and data security regulations [1][3] - The bank received a warning and a fine of 212,000 yuan for its infractions [1][3] - Harbin Bank Co., Ltd. is the controlling shareholder of Langzhong Rongxing Village Bank, holding a 90% stake [1]

Core Viewpoint - The article highlights the successful implementation of large-scale soybean cultivation in Heilongjiang Province, facilitated by innovative agricultural financing solutions from Harbin Bank, which have significantly improved farmers' income and production efficiency [2][6][10]. Group 1: Agricultural Financing - Harbin Bank introduced the "Agricultural Property Rights Loan," allowing farmers to use future expected income as collateral, with loan amounts up to 10 million yuan [5][8]. - The loan process is designed to align with the agricultural production cycle, with repayments scheduled for the harvest period, thus easing financial pressure on farmers during the planting season [9][10]. - Since its launch in March, the "Agricultural Property Rights Loan" has been adopted by 10 branches, providing a total credit of 177 million yuan to 47 clients, with an average loan amount of 3.68 million yuan [10]. Group 2: Large-Scale Cultivation Benefits - The transition to large-scale soybean cultivation has led to increased yields, with average production exceeding 260 kg per mu, attributed to improved planting techniques and management [3][6]. - Farmers benefit from higher land rental prices, with the unified rental rate at 10,500 yuan per mu, significantly above the previous average of 7,000 to 8,000 yuan [4][6]. - The use of advanced agricultural machinery and technology, such as drones for pest control, has enhanced operational efficiency and crop management [15]. Group 3: Risk Management and Support - The collaboration with the Innovation Agricultural Property Rights Financing Company provides ongoing risk assessment and management throughout the cultivation process, ensuring that potential issues are addressed promptly [8][9]. - The growing agricultural insurance framework adds a layer of security for farmers, allowing them to use expected crop yields as collateral, thus reducing the risk for banks [9]. - Harbin Bank's tailored financial services for agricultural clients reflect a commitment to supporting the unique needs of the agricultural sector, enhancing the overall economic stability of rural areas [12][13].

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 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 | | | 3,023,570,000 | RMB | | 1 | RMB | | 3,023,570,000 | | 2. 股份分類 | 普通股 | 股份類別 | 其他類別 (請註明) | | 於香港聯交所上市 (註1) | | 否 | | | --- | --- | --- ...