Core Viewpoint - Harbin Bank is undergoing significant reforms and transformations in 2023, focusing on enhancing its balance sheet and income statement while actively serving the real economy and managing risks, leading to a gradual increase in investment value [1] Group 1: Financial Performance - In the first half of 2025, Harbin Bank achieved revenue of RMB 7.3855 billion, a year-on-year increase of 2.59%, and a net profit of RMB 992.1 million, up 17.28% [4] - The bank's total assets reached RMB 9,275.275 billion, growing by 1.23% from the end of the previous year, with customer loans totaling RMB 3,975.663 billion, an increase of 4.87% [4] - The non-performing loan balance was RMB 11.2697 billion, with a non-performing loan ratio of 2.83%, down 0.01 percentage points from the end of the previous year, and a provision coverage ratio of 209.95%, up 7.36 percentage points [4] Group 2: Service to the Real Economy - Harbin Bank is focusing its credit resources on key sectors such as manufacturing, technology, green finance, and small and micro enterprises, with a total of RMB 16.918 billion in inclusive small and micro enterprise loans issued during the reporting period, an increase of RMB 1.62 billion year-on-year [5] - The balance of agricultural loans reached RMB 32.2104 billion, supporting food production and rural revitalization efforts [5] Group 3: International Expansion and Competitive Advantage - The bank is actively participating in the "dual circulation" development pattern and the Belt and Road Initiative, establishing partnerships with over a hundred financial institutions in 13 Belt and Road countries [6] - Harbin Bank has seen a significant increase in cross-border financial services, with the number of cross-border clients doubling year-on-year [6][7] - The bank's stock price has shown recovery, supported by stable performance and improved asset quality, aligning with market demand for bank stocks with high safety margins and growth certainty [7]
哈尔滨银行2025年中期业绩：韧性筑牢根基，特色服务点亮投资价值