Founded in February 1997 and headquartered in Harbin, Harbin Bank has established 17 branches in Tianjin, Chongqing, Dalian, Shenyang, Chengdu, Harbin, Daqing and other cities. It has sponsored and set up 20 village and township banks across 11 provinces and municipalities directly under the Central Government including Beijing, Guangdong, Jilin and Heilongjiang. The Bank also initiated the establishment of Harbin Bank Financial Leasing Co., Ltd., the first financial leasing company in Northeast China, and Harbin Bank Consumer Finance Co., Ltd., the first consumer finance company in Heilongjiang Province. As of June 30, 2026, the Group operated 369 business outlets, with its branches covering seven major regions nationwide.

    Harbin Bank fully implements the guiding principles of the 20th National Congress of the Communist Party of China (CPC) and the plenary sessions of the 20th CPC Central Committee, and earnestly implements the requirements of the Central Economic Work Conference and the 2026 work conferences of the People's Bank of China and regulatory authorities. The Bank remains firmly committed to transforming its development model, optimizing its structure, enhancing quality and efficiency, and improving management. It continues to optimize its asset and liability structure, business mix, and customer portfolio. Its operating performance has maintained steady improvement, while the quality and efficiency of its development have continued to increase.

    As of June 30, 2026, the Group’s total assets amounted to RMB 1,025.8645 billion, representing an increase of RMB 6.5245 billion, or 0.64%, from the end of the previous year. Total loans and advances to customers amounted to RMB 422.5498 billion, representing an increase of RMB 11.9244 billion, or 2.90%, from the end of the previous year. Total customer deposits amounted to RMB 724.5705 billion, representing an increase of RMB 5.3268 billion, or 0.74%, from the end of the previous year. In the first half of 2026, the Group recorded operating income of RMB 7.7199 billion, representing a year-on-year increase of 4.53%. Net profit amounted to RMB 1.1041 billion, an increase of RMB 112.0 million, or 11.29%, year on year. Net profit attributable to shareholders of the parent company amounted to RMB 1.0327 billion, an increase of RMB 117.3 million, or 12.81%, year on year. The average return on total assets was 0.22%, unchanged from the same period of the previous year, while the average return on equity was 2.55%, up 0.48 percentage points year on year. Harbin Bank ranked 204th in the “Top 1000 World Banks 2026” published by the UK-based The Banker and 42nd in the “2025 Top 100 Chinese Banks” ranking published by the China Banking Association.

    Corporate Banking. Harbin Bank remains focused on the fundamental role of finance and regards meeting the needs of the real economy as both the starting point and ultimate goal of high-quality development. The Bank actively implements the national strategy for coordinated regional development and, leveraging the geographical coverage of its operating institutions, comprehensively enhances the quality and efficiency of its services to the real economy, with a focus on Heilongjiang Province’s “Three Bases, One Barrier and One Highland” initiative, the “4567” modern industrial system, and the “Five Major Areas” of financial services. The Bank remains committed to its local market and core banking business, gradually directing more credit resources toward Heilongjiang Province. It continues to deepen strategic cooperation with provincial- and municipal-level enterprise groups and strengthen cooperation with customer groups in key regions and industries, as well as core customer groups. The Bank strengthens industry research and product innovation and increases credit support for key areas including technology finance, green finance, inclusive finance, pension finance and digital finance. The Bank provides comprehensive support for the transformation and upgrading of the manufacturing sector, with a particular focus on increasing medium- and long-term lending to manufacturers and identifying high-quality enterprises with high value-added capabilities and core positions in industrial chains. It also increases lending to the energy sector and deepens industry research, while fully leveraging the development potential of new energy on the basis of safeguarding traditional energy security. The Bank deepens cooperation in areas including serving government and local state-owned enterprises in the construction of projects under the “Three Major Projects” initiative, supporting financing for special-purpose bonds, implementing major national strategies, revitalizing idle assets, and facilitating the implementation of investment promotion projects. It strengthens cooperation with peer financial institutions, actively promotes syndicated lending, and further enhances financial services. The Bank also promotes relending programs for private enterprises and strengthens financial support for the private sector. As of June 30, 2026, total corporate loans amounted to RMB 278.3271 billion, representing an increase of RMB 20.0478 billion from the beginning of the year and accounting for 65.9% of total loans. The outstanding loan balance in Heilongjiang Province amounted to RMB 248.4511 billion, accounting for 58.9% of total loans.

    Cross-Border Finance. In line with the overall arrangements under the 15th Five-Year Plan for advancing high-standard financial opening-up, Harbin Bank coordinates business development with financial security, anchors its strategic positioning as a gateway for opening up to the north, advances two-way financial opening-up, further develops its distinctive strengths in cross-border finance, and improves its foreign-related financial services system. Through these efforts, the Bank continues to expand the scale of its cross-border financial business, enhance service quality and efficiency, and pursue operational excellence. Harbin Bank remains committed to serving the real economy as its primary responsibility and core business. It continues to strengthen its ecosystem of core customers and has established in-depth business relationships with a number of well-known large enterprises in China and overseas, thereby building a high-value customer ecosystem. The Bank has established a product portfolio covering international guarantees, letters of credit and forfaiting to comprehensively meet the cross-border settlement and financing needs of enterprises engaged in international business. In doing so, it provides targeted financial support for the steady development of the real economy and supports Chinese enterprises in “going global” and foreign-invested enterprises in “coming in”. The Bank has achieved breakthroughs in business cooperation with a number of cross-border e-commerce platforms, with notable results in serving market participants engaged in new forms of foreign trade. The Group has also taken the lead in Heilongjiang Province in enabling specialized cooperatives to process border residents’ mutual trade settlement services online, comprehensively meeting their financial service needs. Harbin Bank firmly adheres to a compliance-oriented approach to business operations, strengthens the foundation of internal control management, and has established an end-to-end cross-border risk management and control mechanism. It has developed a full-chain management framework covering pre-transaction assessment, in-process control and post-transaction review for cross-border business, and prudently and steadily advances its cross-border financial businesses in accordance with applicable laws and regulations.

    Retail Banking. Harbin Bank strengthens digital customer relationship management, and accelerates omnichannel collaboration across online and offline channels and the digital transformation of marketing, providing vigorous support for the transition of its retail banking business from a single-product model to integrated financial services. The Bank has comprehensively established a closed-loop system covering retail banking operations and customer services, further enriched the essence of its caring and customer-centric retail service brand, and promoted the sustainable, high-quality development of its retail banking business. As of June 30, 2026, the Group’s total balance of retail deposits in RMB and foreign currencies amounted to RMB 518.1839 billion, representing an increase of RMB 6.6811 billion, or 1.3%, from the end of the previous year. The average balance of retail deposits in RMB and foreign currencies amounted to RMB 516.6855 billion, representing an increase of RMB 8.1483 billion, or 1.6%, from the end of the previous year. According to statistics from the Heilongjiang Branch of the People’s Bank of China, as of the end of the reporting period, Harbin Branch’s retail deposit balance accounted for 18.58% of the local market, ranking first in the local market. Harbin Bank remains committed to its retail banking philosophy of cultivating its local market and putting customers first, with a focus on managing customer value throughout the entire customer lifecycle. The Bank strengthens the development of its retail banking talent pool and builds a highly qualified and professional service team to comprehensively empower the transformation and development of its retail banking business, while continuously enhancing its brand influence and core competitiveness in retail finance. In recognition of its achievements in retail banking transformation, customer service and other areas, the Bank has received multiple national and international awards. As of June 30, 2026, the Group had 15.3778 million retail customers, representing an increase of 112,000 from the end of the previous year. Harbin Bank continues to leverage social security cards as an important vehicle for public livelihood services. It has launched a series of exclusive consumer benefit campaigns for the ice and snow season, covering diverse consumption scenarios including entertainment, shopping, tourism, transportation and dining. These initiatives have continued to stimulate payment transactions through social security cards and fully unlock their value in providing convenient services to the public. During the reporting period, the Bank issued, replaced or renewed third-generation social security cards for 1.8157 million residents.

    Inclusive Finance. Harbin Bank gains an in-depth understanding of the financial needs of micro and small enterprise customers by focusing on their full lifecycle and the characteristics of customer groups across different market segments. The Bank thoroughly implements the requirements of the financing coordination mechanism for micro and small enterprises and continues to strengthen outreach and marketing efforts targeting thousands of enterprises and households. As of the end of June 2026, the Bank had cumulatively extended credit to 2,150 customers on the designated list, with total approved credit facilities amounting to RMB 6.454 billion. The Bank’s new-generation digital retail lending product, “Qiandaojia”, has gained strong market recognition within just one year of its launch, benefiting from its convenient and efficient application process, flexible and diversified credit limit options, and clear and transparent service system. During the reporting period, the outstanding balance of loans to small enterprise legal entities amounted to RMB 125.4246 billion, representing an increase of RMB 5.9268 billion, or 5.0%, from the beginning of the year. Positioning itself as a locally rooted bank in Heilongjiang, Harbin Bank leverages the region’s resource endowments and agricultural industry foundation and continues to fulfill its social responsibilities as a financial institution. The scale of its financial support for agriculture has expanded effectively, with lending for spring farming preparations in the new agricultural cycle exceeding RMB 13 billion, further broadening and deepening the reach of its services. The Bank accelerates its transformation toward “agricultural industrialization finance”, deepens coordination between corporate and retail banking, and builds an integrated financial service system based on genuine transaction scenarios, thereby continuing to unlock value across agricultural industry chains. It continues to enrich services for new types of agricultural business entities. Its online agricultural lending product, “Nongshandai”, now covers county-level and state-farm-area institutions throughout Heilongjiang Province, with cumulative online credit extensions exceeding RMB 10 billion. The Bank has also upgraded its specialized agricultural financial product, “Caihong Loan”, with financing provided to targeted customer groups exceeding RMB 2 billion. Meanwhile, Harbin Bank actively integrates itself into Heilongjiang’s broader efforts to promote industrial integration and ecosystem development. Focusing on key areas such as “agricultural socialized services” and “high-quality agricultural brands,” the Bank drives the high-quality development of agriculture in Heilongjiang through new approaches to industry-finance integration. As of June 30, 2026, the Group’s outstanding balance of loans to farming households amounted to RMB 17.0762 billion. Its services covered the vast majority of rural markets across 11 prefecture-level cities and six major state farm administration areas in Heilongjiang Province, as well as selected rural areas in Chengdu, Chongqing, Shenyang, Tianjin and Dalian.

    Harbin Bank adheres to a prudent and relatively conservative risk appetite and fosters a risk culture of “compliance and prudence”. It coordinates the development of a comprehensive risk management system aligned with its development strategy, business scale, organizational structure and risk profile. The Bank continuously enhances the proactiveness and forward-looking nature of its risk management and, by leveraging various risk management strategies and measures, continuously identifies, measures, assesses, monitors, reports, controls or mitigates various risks. It also continues to strengthen risk control mechanisms and promotes the orderly implementation of risk management initiatives, thereby providing safeguards for the achievement of its business and strategic objectives. During the Reporting Period, the Group firmly upheld the bottom line of lawful and compliant operations, improved its risk management system, communicated and implemented its risk appetite and policies, strengthened the foundations of risk management, enhanced intelligent risk control capabilities, and proactively prevented and addressed various risks, thereby safeguarding the sound and sustainable development of the Group’s businesses.

    Looking ahead, Harbin Bank will continue to follow the guidance of Xi Jinping Thought on Socialism with Chinese Characteristics for a New Era, fully implement the guiding principles of the 20th National Congress of the Communist Party of China (“CPC”) and the plenary sessions of the 20th CPC Central Committee, ground its efforts in the new development stage, apply the new development philosophy, and fulfill its responsibility for implementing national financial strategies. The Bank will deeply integrate itself into the new development paradigm, adhere to the general principle of pursuing progress while ensuring stability, remain market-oriented and take high-quality development as its main focus. It will resolutely deepen reform and innovation, firmly safeguard the bottom line of risk management, continuously optimize its asset and liability structure, and steadily enhance its profitability and risk resilience, thereby achieving an organic balance among efficiency, quality and scale.