Core Viewpoint - Harbin Bank reported a stable growth in its mid-year performance for 2025, focusing on asset and liability restructuring, risk management, and deepening service to the real economy, achieving improvements in scale, quality, structure, and efficiency [2][4]. Financial Performance - As of June 30, 2025, the total assets of the group reached RMB 9,275.275 billion, an increase of RMB 112.956 billion, or 1.23% from the end of the previous year [2]. - Total customer loans and advances amounted to RMB 3,975.663 billion, up RMB 184.724 billion, or 4.87% [2]. - Total customer deposits were RMB 6,950.559 billion, with a slight increase of RMB 13.765 billion, or 0.20% [2]. - The group achieved operating income of RMB 73.855 billion, a year-on-year increase of 2.59% [2]. - Net profit reached RMB 9.921 billion, up RMB 1.462 billion, or 17.28% year-on-year [2]. - Return on average total assets was 0.22%, up 0.02 percentage points year-on-year [2]. - Return on average equity was 2.07%, an increase of 0.57 percentage points year-on-year [2]. Asset Quality - The non-performing loan balance was RMB 112.697 billion, with a non-performing loan ratio of 2.83%, down 0.01 percentage points from the end of the previous year [3]. - The provision coverage ratio was 209.95%, up 7.36 percentage points [3]. - The loan impairment loss provision ratio was 5.95%, an increase of 0.20 percentage points [3]. Support for Real Economy - The group emphasized financial support for the real economy, focusing on sectors such as technology finance, green finance, and inclusive finance [4]. - Company loans totaled RMB 2,332.248 billion, representing 58.7% of total loans, with an increase of RMB 278.198 billion [4]. Inclusive Finance Initiatives - The group launched a new digital retail credit product "Qian Dao Jia," enhancing online management and digital operations for small and micro enterprises [5]. - Inclusive finance loans for small and micro enterprises reached RMB 169.18 billion, up RMB 16.2 billion year-on-year, with a balance of RMB 411.98 billion, growing at 11.72% [5]. Retail Banking Development - Retail deposits totaled RMB 5,099.701 billion, an increase of RMB 99.931 billion, or 2.0% [7]. - The group maintained a 19.58% market share in retail deposits in Harbin, ranking first in the local market [7]. Cross-Border Business Growth - The group established partnerships with over a hundred financial institutions in 13 Belt and Road countries, promoting cross-border RMB payment services [10]. - Cross-border settlement business volume saw significant growth, enhancing the quality of cross-border financial services [10]. Digital Transformation - The group is advancing its "Digital Harbin Bank" initiative, focusing on enhancing operational security and technology-driven capabilities [12]. - The group is committed to optimizing its international settlement systems and improving efficiency in cross-border financial services [11].

Core Viewpoint - The article highlights the successful implementation of large-scale soybean cultivation in Heilongjiang Province, facilitated by innovative agricultural financing solutions from Harbin Bank, which have significantly improved farmers' income and production efficiency [2][6][10]. Group 1: Agricultural Financing - Harbin Bank introduced the "Agricultural Property Rights Loan," allowing farmers to use future expected income as collateral, with loan amounts up to 10 million yuan [5][8]. - The loan process is designed to align with the agricultural production cycle, with repayments scheduled for the harvest period, thus easing financial pressure on farmers during the planting season [9][10]. - Since its launch in March, the "Agricultural Property Rights Loan" has been adopted by 10 branches, providing a total credit of 177 million yuan to 47 clients, with an average loan amount of 3.68 million yuan [10]. Group 2: Large-Scale Cultivation Benefits - The transition to large-scale soybean cultivation has led to increased yields, with average production exceeding 260 kg per mu, attributed to improved planting techniques and management [3][6]. - Farmers benefit from higher land rental prices, with the unified rental rate at 10,500 yuan per mu, significantly above the previous average of 7,000 to 8,000 yuan [4][6]. - The use of advanced agricultural machinery and technology, such as drones for pest control, has enhanced operational efficiency and crop management [15]. Group 3: Risk Management and Support - The collaboration with the Innovation Agricultural Property Rights Financing Company provides ongoing risk assessment and management throughout the cultivation process, ensuring that potential issues are addressed promptly [8][9]. - The growing agricultural insurance framework adds a layer of security for farmers, allowing them to use expected crop yields as collateral, thus reducing the risk for banks [9]. - Harbin Bank's tailored financial services for agricultural clients reflect a commitment to supporting the unique needs of the agricultural sector, enhancing the overall economic stability of rural areas [12][13].

全面构建零售业务与客户服务闭环 助力高质量可持续发展 零售金融业务加速数字化转型。零售金融业务定位于集团战略转型的重点，2025年上半年，集团加强数 字化客户关系管理，加速"线上+线下"全渠道协同与营销数字化转型，有力支撑大零售业务从单一化向 综合化转变。全面构建零售金融业务与客户服务闭环，深化有温度的零售服务品牌内涵，推动零售金融 业务可持续、高质量发展。截至2025年6月30日，集团零售存款本外币合计总额为人民币5099.701亿 元，较上年末增加人民币99.931亿元，增幅为2.0%；零售存款本外币合计平均结余为人民币5085.372亿 元，较上年增加人民币470.006亿元，增幅为10.2%。根据中国人民银行黑龙江省分行统计，报告期末集 团哈尔滨分行零售存款余额在当地市场份额为19.58%，零售存款余额位列当地市场第一位。 构建"金融+非金融"综合服务模式。集团始终践行以客户为中心的经营理念，构建"金融+非金融"综合服 务模式，持续提升团队实战能力及养老金融服务专业能力，满足老年客户、儿童客户、代发客户等多客 群非金融综合需求，提高零售金融服务质效。截至2025年6月30日，集团拥有零售客户1508. ...