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].
哈尔滨银行(06138) - 2022 - 年度财报