转自：推广 文丨白杨 | 偏见市 Galar Card | | | | | | | --- | --- | --- | --- | --- | --- | | PSTJES 8888888888888 | 00/00.20 | | | | | | 000000000 | 00 | | | | | | 丁香卡普卡 | 老品 | | | | | | 一段声 | ● 通存通完 | ਼ ਲੋਵੇ | ■ 投资理财 | ● 通用 | ● 贷款融资 | | 1 | 了解详情 | | | | | | 第四次第 | HarbinBan | | | | | | Platinum | | | | | | | ERRESERERERE EST | 248 281 22 | | | | | | M F | MA FITNENE | 88 | | | | | 丁香财富自金卡 | | | | | | | ● 专属理财 | ● 自主选号 | ● 专同 | ● 彰显身份 | ■ 绿色通道 | ■ SP | | 了解详情 | 1 | | | | | | 中华人民共和国 | 社会保障士 | | | | | | CONNECT | | | | | ...

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]

Core Viewpoint - Harbin Bank is undergoing significant transformation and reform, focusing on enhancing its balance sheet and income statement while actively serving the real economy and managing risks, leading to improved operational performance and 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% [3] - 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% [3] - The non-performing loan balance was RMB 11.2697 billion, with a non-performing loan ratio of 2.83%, a decrease of 0.01 percentage points from the previous year [3] Group 2: Asset Quality and Risk Management - The bank's provision coverage ratio improved to 209.95%, an increase of 7.36 percentage points, significantly exceeding the regulatory requirement of 150% [3] - This strong asset quality provides a buffer against potential risks and allows for future profit release [3] Group 3: 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 loans to small and micro enterprises, an increase of RMB 1.62 billion year-on-year [4] - The bank's agricultural loans reached RMB 32.2104 billion, supporting food production and rural revitalization efforts [4] Group 4: International Cooperation and Cross-Border Services - The bank has established partnerships with over a hundred financial institutions in 13 countries along the Belt and Road, promoting cross-border RMB payment services [5] - The total volume of cross-border settlement business saw significant growth during the reporting period, enhancing the bank's international financial service capabilities [5] Group 5: Market Position and Future Outlook - Harbin Bank's stock price has shown recovery, supported by stable performance and improved asset quality, aligning with market demand for banks with high safety margins and growth certainty [6] - The ongoing national strategies such as Northeast revitalization and the Belt and Road Initiative are expected to further enhance the bank's regional and competitive advantages, leading to improved operational performance and valuation [6]