Inclusive finance has achieved remarkable results, Harbin Bank (06138) is assisting small and micro enterprises and rural areas.

In the first half of 2025, Harbin Bank (06138.HK) showcased various highlights in inclusive finance business, launching innovative products such as "Money to Home" and "Agricultural Flash Loan" to improve service efficiency through digital means. The total lending to inclusive small and micro-enterprises reached 16.918 billion yuan, an increase of 1.62 billion yuan compared to the same period last year; with a balance of 41.198 billion yuan, a growth rate of 11.72%. The average pricing for loans issued that year was 5.83%, a decrease of 0.87 percentage points from the previous year, continuing to reduce the financing costs for small and micro-enterprises. The balance of agricultural loans reached 322.104 billion yuan, with the balance of loans to farmers totaling 165.322 billion yuan. The business scope now covers most rural markets in 11 prefectures in Heilongjiang Province, as well as some rural areas in Chengdu, Chongqing, Shenyang, Tianjin, and Dalian outside the province, effectively promoting local economic development and rural financial market prosperity, fully supporting the comprehensive revitalization of the countryside. Through differentiated and batch services, the group accurately meets the needs of small and micro-enterprises and farmers, easing the financing difficulties and expanding the customer base, enhancing customer loyalty. While fulfilling social responsibilities, Harbin Bank is exploring new business growth points and profit space.