Inclusive finance improves quality and efficiency, HARBIN BANK (06138) digitally empowers the development of small and micro enterprises.

In 2025, HARBIN BANK (06138) continued to strengthen its inclusive financial services, relying on digital transformation to improve service efficiency, and precisely providing support to small and micro enterprises as well as the agricultural sector. During the reporting period, the group launched the "Money to Home" digital retail credit product, achieving full-process online operation; iterated on "Nongshandai" and "Hei Tu Youpin Dai" to cover the entire agricultural industry chain. Data shows that the amount of inclusive small and micro enterprise loans increased by 52.79 billion yuan compared to the previous year, with a balance of 432.49 billion yuan, an increase of 17.29%; the balance of agricultural loans was 304.17 billion yuan, covering rural markets in Heilongjiang province and many other regions outside the province. The improvement and efficiency of inclusive finance not only fulfill social responsibility, but also broaden business growth possibilities, injecting new impetus into continuous performance growth.