Core Viewpoint - Harbin Bank (06138) has demonstrated significant advancements in its inclusive finance business in the first half of 2025, launching innovative products such as "Money to Home" and "Agricultural Flash Loan" to enhance service efficiency through digital means [1] Group 1: Financial Performance - The bank's inclusive small and micro enterprise loan issuance reached 16.918 billion yuan, an increase of 1.62 billion yuan compared to the same period last year [1] - The outstanding balance of these loans was 41.198 billion yuan, reflecting a growth rate of 11.72% [1] - The average pricing of loans issued during the year was 5.83%, a decrease of 0.87 percentage points from the previous year, indicating a continued effort to lower financing costs for small and micro enterprises [1] Group 2: Agricultural Loans - The outstanding balance of agricultural loans reached 32.2104 billion yuan, with the balance of loans to farmers at 16.5322 billion yuan [1] - The bank's services have expanded to cover the majority of rural markets in 11 cities of Heilongjiang Province and parts of rural areas in Chengdu, Chongqing, Shenyang, Tianjin, and Dalian outside the province [1] Group 3: Strategic Initiatives - The bank is focusing on differentiated and bulk services to precisely meet the needs of small and micro enterprises and the agricultural sector, alleviating financing difficulties while expanding its customer base [1] - This approach not only enhances customer loyalty but also opens new business growth points and profit spaces, supporting local county economic development and the prosperity of rural financial markets [1]
普惠金融成果显著，哈尔滨银行（06138）助力小微与 “三农”