Group 1 - The core event is the celebration of the eighth Chinese Farmers' Harvest Festival, organized by Harbin Bank, focusing on "celebrating harvest, promoting culture, and revitalizing rural areas" [1] - Harbin Bank has established the "Farmers' Integrity Customer Festival" since 2019, using it as a platform to reward farmers and promote agricultural culture [2] - The bank's branches have engaged in various activities to provide financial services tailored to agricultural needs, enhancing the connection between the bank and local farmers [3] Group 2 - Harbin Bank is actively responding to the national strategy for building an agricultural powerhouse, creating a comprehensive financial service system covering the entire agricultural industry chain [4] - The bank has introduced innovative loan products to address agricultural development challenges, with a focus on supporting key agricultural processes and reducing financing costs for farmers [4] - As of June 2025, Harbin Bank's agricultural loan balance reached 32.21 billion yuan, with 16.53 billion yuan specifically for farmers, contributing to rural revitalization efforts [4]

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 - 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]