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].

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. ...

Core Insights - Harbin Bank and Chengdu New Hope Financial Information Co., Ltd. signed a strategic cooperation agreement to enhance digital growth, intelligent risk control, and digital customer operations, accelerating the integration of traditional finance and modern technology [2][3] - The newly launched digital product "Qian Dao Jia" includes consumer loans and business loans, utilizing big data and artificial intelligence for real-time risk control and automated approval, transforming the credit decision-making process from experience-driven to data-driven [2][3] - "Qian Dao Jia" offers personalized product recommendations and dynamic credit adjustments based on customer profiles, shifting financial services from standardized offerings to customized experiences [2][3] Digital Transformation Initiatives - Harbin Bank has initiated the "Digital Ha Xing" project, implementing ten foundational projects to reconstruct its management and financial service system, focusing on innovation, collaboration, and agility [3] - The "Qian Dao Jia" consumer loan product integrates into residents' daily life scenarios, allowing loan applications via WeChat mini-program, with approval and disbursement completed in as little as one minute, offering loans up to 800,000 yuan [3] - The business loan product targets the financing needs of small and micro enterprises, providing up to 1 million yuan in unsecured loans, aligning with government measures to support small business financing [3] Future Directions - New Hope Group's CEO emphasized the commitment to delivering and innovating the "Qian Dao Jia" project, aiming for enhanced business efficiency, service innovation, and user experience [4] - Harbin Bank plans to leverage the "Qian Dao Jia" brand to advance digital capabilities and service ecosystem upgrades, focusing on collaborations with established brands and core enterprises in sectors like ice and snow economy and green economy [4] - The bank aims to strengthen its digital risk control system by integrating various governmental data sources to lower loan application barriers for small micro clients, enhancing loan accessibility for high-tech talents and new citizens [5]