Introduction to HarbinBank

　　HarbinBank was established in February 1997 and is headquartered in Harbin. HarbinBank has established 17 branches in Tianjin, Chongqing, Dalian, Shenyang, Chengdu, Harbin, Daqing and so on, and has established by means of sponsorship of 32 rural banks (including 8 ones under preparation) in 14 provinces and municipalities directly under the Central Government such as Beijing, Guangdong, Jiangsu, Jilin and Heilongjiang, the first financial lease company in the Northeast China -- HarbinBank Financial Leasing Co., Ltd. as well as the first consumption financial company in Heilongjiang -- Harbin Bank Consumer Finance Co., Ltd. By December 31, 2016, HarbinBank has 355 business institutions and affiliates distributed in seven administrative areas of China. On March 31, 2014, HarbinBank was successfully listed on the main board of SEHK (stock code: 06138.HK), is the third urban commercial banks from the Chinese Mainland entering into the Hong Kong capital market and the first listed commercial bank in the Northeast China.

　　By December 31, 2016, HarbinBank has totalled assets of RMB539,016.2 million, customer loans and advances of RMB201,627.9 million and customer deposits of RMB343,151.0 million. HarbinBank ranked the 207th place in the top 1,000 global banks of 2016 rated by The Banker magazine of the UK, and the 31st place among Chinese banks in the list. HarbinBank obtained two prizes among the selection of "Chinese Stars" of 2016 of the Global Finance magazine of the USA: It continuously obtained the prize of the "Best Urban Commercial Bank" for the third time, and was the unique Chinese urban commercial bank obtaining the said great honor; and, had the honor to get the prize of the "Best Small Enterprise Credit Bank" for the first time. HarbinBank ranked the 416th place in the "Top 500 Enterprises of China in 2016" issued by the Fortune (Chinese version). HarbinBank was included into the "Bellwether Program" of urban commercial banks launched by the China Banking Regulatory Commission, becoming one of 12 "bellwethers".

　　HarbinBank adheres to the business philosophies of "Inclusive Finance, Harmony and Common Richness" and takes "building an international first-class small-amount credit bank with quality services and distinctive characteristics" as its strategic objective. HarbinBank has innovatively implemented the "local + international" small-amount credit management mode, studied and developed brand products of the "Qiandaojia" series, explored and launched micro-financial core technologies in line with domestic economic characteristics and at the international level, and achieved technology export for the first time among domestic banking institutions. HarbinBank has been strategically cooperating with several international organizations such as PlaNet of France, International Finance Corporation (IFC), ACCION of the USA and the United Nations Development Programme (UNDP), and actively participating in international small-amount credit development projects, and has had certain influence in the world. By December 31, 2016, HarbinBank has recorded the small-amount credit balance of RMB167,700.5 million, accounting for 83.2% of the total customer loans thereof.

　　HarbinBank has been expanding market and deepening financial innovation, and has become a market leader in several banking business fields. HarbinBank is one of Chinese urban commercial banks which earliest started the small-amount credit business, and is the first domestic urban commercial bank doing rural financial business. HarbinBank has established more than 1,600 HarbinBank farmer assistance e-stations, covering 422 townships in 38 counties of 8 prefectural cities of Heilongjiang and making up the deficiency of business outlets in rural areas. HarbinBank is the first urban commercial bank obtaining foreign exchange operational right in the Northeast China and one of four market makers of the Renminbi to rouble trade on the national interbank foreign exchange market, records the largest business scale of cash in rouble in China, with the transaction volume cash in rouble accounting for more than half of the transaction volume of financial institutions in China, and is evaluated by the China Foreign Exchange Trading System as the emerging currency market maker with the largest progress. HarbinBank is the first licensed bank of the direct exchange rate of rouble to RMB in China, makes analyses of rouble exchange rate trends, which provide important reference for the State to formulate Russia-related financial policies, and as a member of the Financial Cooperation Sub-committee of Sino-Russian Premier Regular Meeting Committee, plays a financial tie role in Sino-Russian cooperative development. HarbinBank is the urban commercial bank with the most comprehensive bond operating qualifications and taking a lead in doing investment banking and interbank business in the Northeast China, and is one of three leading initiating banks of "Asia Financial Cooperation Association".

　　Meanwhile, HarbinBank has implanted the Internet thinking to the traditional core business -- "small-amount credit", has been focusing on the establishment of routine use scenarios for customers and optimizing business processes on the basis of mobile finance and big data mining technologies, has specially paid attention to demands of small-amount credit users such as small and micro enterprises, users relating to the agriculture, rural areas and farmers and consumers, and on the basis of WeChat Banking, has launched mobile financial services such as mobile phone banking and several small-amount credit product APPs based on the Internet. Over many years' development, HarbinBank has gradually formed the business pattern centering on small-amount credit and with the common development of Russia-related finance, investment banking, financial management and mobile finance, and has been forging ahead towards the development objectives of conglomeration, diversification and specialization.

　　HarbinBank has been based on science, steadiness and harmonious development, had been focusing on operating management to achieve healthier and firmer development foundations, and has gradually gone on the track of normative, standard and scientific development. In accordance with the Law of Commercial Banks, the Company Law and regulatory requirements, HarbinBank has established and perfected a modern enterprise system, and improved corporate governance structure. HarbinBank has been cooperating with international well-known consulting companies like Deloitte and PricewaterhouseCoopers and conducting brave reform and beneficial explorations in respect of corporate governance, internal control and comprehensive risk management,  IT system, performance assessment system construction, has formed the scientific mode of comprehensive control over strategies, mechanisms, personnel and risks, has set up business guidelines of strict bank governance and standard development, has built diligent, professional, occupation and clean staff team, has gradually become a financial enterprise with standard governance, clear positioning, distinctive characteristics, sufficient capital, excellent team and unique culture, and has achieved long-term stable low risks, high-quality and efficient growth and leading business indicators among national urban commercial banks.

　　HarbinBank has never forgotten its social responsibilities, has been persisting in taking economic and social development as its own obligatory duty, has cooperated with consulting companies well-known in the world about the study of brand building and management over corporate social responsibility, has vigorously propelled brand building and value increase, and has determined its corporate social responsibility framework backed by the system of three responsibilities: "corporate financial responsibility, corporate environmental responsibility and corporate social responsibility". Over 20 years after its establishment, HarbinBank has established Harbin Coin Museum, donated and constructed anti-union hope primary schools in Heilongjiang, established "Hongyi Student Assistance Association" and "Warm Longjiang Fund", organized the oil painting exhibition of "Golden Memories -- Harbin in Impressions of Russian Painters" and Russian sculpture art exhibition, denoted the first outdoor public-welfare plastic track and sponsored several charity projects such as Harbin International Marathon in 2016, has been actively assisting in students, relieving poverty and helping the poor, supporting urban cultural development and exchanges and fulfilling corporate citizen duties by practical actions, and has set up a good social image. In June 2016, HarbinBank and senior executives thereof jointly established the "United Charity Foundation" by means of sponsorship, showing that the public welfare and charity causes of HarbinBank has become professional. In 2016, HarbinBank invested RMB23,197 thousand in public welfare.

　　HarbinBank will take the way of characteristic small-amount credit operation unswervingly, fulfill social responsibilities with the mood of preferences, build itself into a sincere and trustworthy bank, strive to become an international well-known small-amount credit bank, and make greater contributions to the development of China's financial cause and well-off society construction.