Core Viewpoint - Harbin Bank reported a revenue of 7.386 billion RMB for the first half of 2025, marking a year-on-year growth of 2.59%, and a net profit of 992 million RMB, which represents a 17.28% increase compared to the previous year [1][2]. Financial Performance - For the first half of 2025, Harbin Bank's net interest income was 4.413 billion RMB, down 11.37% from 4.979 billion RMB in the same period of 2024 [2]. - The bank's net fee and commission income increased by 29.72% to 269.3 million RMB compared to 207.6 million RMB in the previous year [2]. - Operating expenses rose by 6.85% to 2.245 billion RMB, while credit impairment losses were 4.457 billion RMB, reflecting a 2.15% increase [2][5]. - The pre-tax profit was 681.3 million RMB, down 7.17% from 733.9 million RMB in the previous year [2]. Profitability Metrics - The net profit attributable to shareholders of the parent company was 915.4 million RMB, a 19.96% increase from 763.1 million RMB in the same period of 2024 [2]. - The bank's net profit for 2023 and 2024 was reported at 888 million RMB and 1.082 billion RMB, with year-on-year growth rates of 24.65% and 21.88%, respectively [2]. Asset Quality - As of June 30, 2025, Harbin Bank's non-performing loan (NPL) balance was 11.270 billion RMB, with an NPL ratio of 2.83%, a slight decrease from 2.84% at the end of the previous year [3][4]. - The provision coverage ratio improved to 209.95%, an increase of 7.36 percentage points from the previous year [3]. Loan Composition - The total amount of customer loans and advances was 397.566 billion RMB, with normal loans accounting for 91.2% of the total [4]. - The bank's non-performing loans were categorized as follows: 6.0% under special mention, 0.4% under substandard, 0.1% under doubtful, and 2.3% under loss [4]. Management Changes - In November 2024, the board of Harbin Bank approved the resignation of Deng Xinquan as executive director and chairman, with Yao Chunhe being elected as the new chairman [6][7].
哈尔滨银行换帅后稳增 不良率2.83%信用减值损失45亿