Core Viewpoint - Harbin Bank is actively implementing the financial "Five Major Articles" strategy, focusing on green finance to support regional industrial upgrades and economic transformation, achieving significant growth in green loans [1][2] Group 1: Green Finance Initiatives - As of June 30, 2025, Harbin Bank's green loan balance reached nearly 18 billion yuan, with an increase of over 6 billion yuan since the beginning of the year, leading the growth among 21 banking institutions in Heilongjiang Province [1] - The bank has established a comprehensive green finance work system through various guiding documents, ensuring systematic advancement of green finance initiatives [1] Group 2: Product Innovation - Harbin Bank has introduced innovative products such as "sustainable development-linked loans," which tie loan rates to corporate sustainability performance, encouraging low-carbon transitions in traditional industries [2] - The bank has successfully launched several innovative projects, including the first ESG-linked data asset pledge loan in Heilongjiang Province and the first carbon footprint-linked loan, among others, to drive business innovation [2]

Core Viewpoint - Harbin Bank's Wind ESG rating has improved from BBB to A for 2025, reflecting its recognized efforts in environmental, social, and governance practices [1] Group 1: ESG Rating and Importance - The Wind ESG rating has become a crucial factor for global institutional investors in their investment decisions [2] - Wind ESG rating covers over 12,000 companies in Greater China, assessing substantial ESG risks and sustainable operational capabilities [2] Group 2: Harbin Bank's ESG Initiatives - Harbin Bank is enhancing its ESG management system and governance effectiveness, focusing on five key financial areas: technology finance, green finance, inclusive finance, pension finance, and digital finance [3] - The bank has achieved a historical high of 10.8 billion yuan in green credit balance for 2024 and has implemented various innovative financial products linked to ESG [3] - The bank is improving climate-related information disclosure to meet Hong Kong Stock Exchange standards and is enhancing support for small and micro enterprises [3] Group 3: Social Responsibility and Future Plans - Harbin Bank is actively fulfilling its social responsibilities by supporting the Harbin 2025 Winter Asian Games and sponsoring local events like the Harbin Marathon [4] - The bank aims to integrate sustainable development into its management practices, focusing on ecological protection, social responsibility, and governance improvement [4]

Core Viewpoint - Harbin Bank's Wind ESG rating has improved from BBB in 2024 to A in 2025, reflecting its recognized efforts in environmental, social, and governance practices [1] Group 1: ESG Rating and Importance - The Wind ESG rating has become a crucial factor for global institutional investors in their investment decisions [3] - Wind's ESG rating methodology aligns with international standards and assesses the substantive ESG risks and sustainable operational capabilities of companies [3] Group 2: Harbin Bank's ESG Management Initiatives - Harbin Bank is enhancing its ESG management system and governance effectiveness, focusing on five key financial areas: technology finance, green finance, inclusive finance, pension finance, and digital finance [4] - The bank has achieved a historical high in green credit balance, reaching 10.8 billion yuan in 2024 [4] - The bank has implemented various innovative financial products, including the first "ESG-linked data asset pledge loan" in the country and the first carbon footprint-linked loan in Heilongjiang Province [4] Group 3: Social Responsibility and Community Engagement - Harbin Bank is actively fulfilling its social responsibilities by supporting the Harbin 2025 Asian Winter Games and providing comprehensive financial services for the event [5] - The bank has sponsored the Harbin Marathon for seven consecutive years, enhancing its brand presence and supporting the city's image [5] - The bank aims to integrate sustainable development principles into its management activities, focusing on ecological protection, social responsibility, and corporate governance [5]