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].
哈尔滨银行(06138) - 2023 - 年度财报