Core Viewpoint - The article emphasizes the strategic initiatives of Harbin Bank in alignment with the "14th Five-Year Plan" of Heilongjiang Province, focusing on supporting the real economy, rural revitalization, and green finance to foster high-quality development. Group 1: Economic Development and Industry Support - Harbin Bank prioritizes serving the real economy, increasing credit support for key sectors as outlined in the provincial plan, particularly in manufacturing upgrades [1] - The bank aims to enhance the supply of medium to long-term loans to high-value enterprises in the manufacturing sector, facilitating structural optimization [1] Group 2: Innovation in Technology Financing - The bank addresses the financing challenges faced by tech enterprises by innovating financial products and mechanisms, including the launch of the "New Quality Loan" [2] - As of now, the "New Quality Loan" has a disbursement amount of 115 million yuan, utilizing a scoring card system to evaluate innovation capabilities [2] Group 3: Green Finance Initiatives - Harbin Bank integrates green principles into its operations, establishing a comprehensive green finance service system and promoting sustainable development-linked loans [3] - The bank's green loan balance is nearly 20 billion yuan, contributing to a carbon reduction of 69,000 tons annually in Heilongjiang Province [3] Group 4: Rural Revitalization Efforts - The bank plays a crucial role in rural revitalization, offering a range of financial products tailored to agricultural needs, with a total agricultural loan balance of 26.59 billion yuan [4] - Innovative products like the "Agricultural Property Financing Loan" and "Black Soil Quality Products Loan" have been introduced to support agricultural development [4] Group 5: Inclusive Finance and Social Welfare - Harbin Bank focuses on inclusive finance, enhancing services for small and micro enterprises, with a loan balance of 41.187 billion yuan and a growth rate of 11.69% [5] - The bank has developed a digital product "Money to Home" to streamline lending processes for small businesses [5] Group 6: Retail Financial Services - The bank is transforming its retail financial services through an integrated online and offline approach, serving over 15.08 million retail customers [6] - Specialized services for different demographics, such as the elderly and children, are being enhanced to improve customer satisfaction [6] Group 7: Future Strategic Directions - Moving forward, Harbin Bank aims to continue aligning with national and provincial goals, focusing on breakthroughs in technology finance, green finance, and digital finance to support the modernization of the industrial system [8]

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].

Core Viewpoint - Harbin Bank reported its mid-year performance for 2025, showing steady growth in assets, loans, and profits, while maintaining a strong focus on supporting the real economy and enhancing financial services [1][2]. Financial Performance - As of June 30, 2025, the total assets of the group reached RMB 927.275 billion, an increase of RMB 11.296 billion, or 1.23% from the end of the previous year [1] - Total customer loans and advances amounted to RMB 397.566 billion, up RMB 18.472 billion, or 4.87% [1] - Total customer deposits were RMB 695.056 billion, with a slight increase of RMB 1.376 billion, or 0.20% [1] - The group achieved operating income of RMB 7.386 billion, a year-on-year increase of 2.59% [1] - Net profit reached RMB 992.1 million, up RMB 146.2 million, or 17.28% [1] - 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 [1] Support for Real Economy - The group emphasized its commitment to supporting the real economy, focusing on high-quality development and enhancing financial services for various sectors [2] - It increased credit support for key areas such as technology finance, green finance, and inclusive finance, particularly in manufacturing and agriculture [2] - Company loans totaled RMB 233.2248 billion, representing 58.7% of total loans, with a growth of RMB 27.8198 billion [2] Inclusive Finance Initiatives - The group launched a new digital retail credit product, "Qian Dao Jia," aimed at small and micro enterprises, achieving a loan issuance of RMB 16.918 billion, up RMB 1.62 billion year-on-year [3] - The balance of inclusive loans reached RMB 41.198 billion, with an annual growth rate of 11.72% [3] - The group introduced various agricultural financing products to support local farmers and enhance rural economic development [3] Retail Banking Development - Retail banking is a key focus, with total retail deposits reaching RMB 509.9701 billion, an increase of RMB 9.9931 billion, or 2.0% [5] - The group aims to enhance customer service through a "financial + non-financial" comprehensive service model, catering to diverse customer needs [5] - The number of retail customers grew to 15.0823 million, with a financial asset balance of RMB 542.076 billion [5] Cross-Border Business Growth - The group actively engaged in cross-border financial services, establishing partnerships with over a hundred financial institutions in 13 Belt and Road countries [7] - Cross-border settlement business volume saw significant growth, enhancing the group's international financial service capabilities [7][8] Digital Transformation - The group is advancing its "Digital Harbin Bank" initiative, focusing on enhancing technology support and innovation capabilities [9] - Efforts include optimizing the international settlement system and improving data governance to streamline business processes [8][9] Risk Management - The group maintains a prudent risk management approach, enhancing its risk management framework to ensure sustainable business development [10][11] - Continuous improvement in risk identification, measurement, and monitoring processes is emphasized to support high-quality growth [11]