Core Insights - Harbin Bank reported a total asset of 927.5275 billion yuan as of June 30, 2025, an increase of 11.2956 billion yuan, representing a growth of 1.23% compared to the end of the previous year [1] - The bank's net profit for the first half of 2025 was 0.9921 billion yuan, an increase of 0.1462 billion yuan, reflecting a growth of 17.28% year-on-year [1] Financial Performance - Total customer loans and advances amounted to 397.5663 billion yuan, up by 18.4724 billion yuan, with a growth rate of 4.87% [1] - Total customer deposits reached 695.0559 billion yuan, increasing by 1.3765 billion yuan, a growth of 0.20% [1] - The net profit attributable to shareholders of the parent company was 0.9154 billion yuan, an increase of 0.1523 billion yuan, with a growth rate of 19.96% [1] Profitability Ratios - Average return on total assets was 0.22%, up by 0.02 percentage points year-on-year [1] - Average return on equity was 2.07%, an increase of 0.57 percentage points compared to the previous year [1] Loan Quality - As of June 30, 2025, the non-performing loan balance was 11.2697 billion yuan, with a non-performing loan ratio of 2.83%, a decrease of 0.01 percentage points from the end of the previous year [1] - The provision coverage ratio was 209.95%, an increase of 7.36 percentage points from the end of the previous year [1] - The loan impairment loss provision ratio was 5.95%, up by 0.20 percentage points compared to the previous year [1]
哈尔滨银行：上半年实现归母净利润9.15亿元，同比增长19.96%