Hong Kong Exchanges and Clearing Limited and The Stock Exchange of Hong Kong Limited take no responsibility for the contents of this announcement, make no representation as to its accuracy or completeness and expressly disclaim any liability whatsoever for any loss howsoever arising from or in reliance upon the whole or any part of the contents of this announcement. Harbin Bank Co., Ltd. 哈爾濱銀行股份有限公司* (A joint stock company incorporated in the People’s Republic of China with limited liability) (Stock Code: 6138) ANNOUNCEMENT OF INTERIM RESULTS FOR THE SIX MONTHS ENDED 30 JUNE 2021 The board of directors (the “Board”) of Harbin Bank Co., Ltd. (the “Bank”) is pleased to announce the unaudited consolidated interim results of the Bank and its subsidiaries (the “Group”) for the six months ended 30 June 2021. This results announcement, containing the full text of the 2021 interim report of the Bank, complies with the relevant content requirements of the Rules Governing the Listing of Securities on The Stock Exchange of Hong Kong Limited in relation to preliminary announcement of interim results. The condensed consolidated financial statements for the six months ended 30 June 2021 prepared by the Group have been reviewed by BDO Limited in accordance with International Standard on Review Engagements. Such interim results have also been reviewed by the Board and the audit committee of the Bank. Unless otherwise stated, financial data of the Group are presented in Renminbi. This results announcement is published on the websites of the Bank (www.hrbb.com.cn) and HKEXnews (www.hkexnews.hk). The interim report of the Bank for the six months ended 30 June 2021 will be dispatched to shareholders of the Bank and will be available on the above websites in due course. 1 Harbin Bank Co., Ltd. Contents Interim Report 2021 Definitions 2 Company Profile 3 Summary of Accounting Data and Financial Indicators 7 Management Discussion and Analysis 10 Changes in Share Capital and Information on Shareholders 85 Directors, Supervisors, Senior Management and Employees 90 Important Events 96 Organisation Chart 102 Financial Statements 103 Documents for Inspection 200 The Company holds the Finance Permit No. B0306H223010001 approved by the China Banking and Insurance Regulatory Commission and has obtained the Business License (Unified Social Credit Code: 912301001275921118) approved by the Market Supervision and Administration Bureau of Harbin. The Company is not an authorised institution within the meaning of the Hong Kong Banking Ordinance (Chapter 155 of the Laws of Hong Kong), not subject to the supervision of the Hong Kong Monetary Authority, and not authorised to carry on banking/deposit-taking business in Hong Kong. Definitions In this report, unless the context otherwise requires, the following terms shall have the meanings set out below. “Articles of Association” the Articles of Association of Harbin Bank Co., Ltd. “Board” or “Board of Directors” the board of directors of the Company “Board of Supervisors” the board of supervisors of the Company “CBIRC”/”CBRC” the China Banking and Insurance Regulatory Commission/China Banking Regulatory Commission (before 17 March 2018) “China” or “PRC” the People’s Republic of China “Company” Harbin Bank Co., Ltd. (哈爾濱銀行股份有限公司), a joint stock company incorporated in the PRC on 25 July 1997 with limited liability in accordance with PRC laws “CSRC” the China Securities Regulatory Commission “Director(s)” the director(s) of the Company “Domestic Shares” ordinary shares of a nominal value of RMB1.00 each in the share capital of the Company, which are subscribed for or credited as paid in RMB “Group” or “Bank” the Company and all of its subsidiaries and branches “H Share(s)” overseas-listed foreign invested ordinary shares of a nominal value of RMB1.00 each in the share capital of the Company, which are listed on the Hong Kong Stock Exchange and subscribed and traded in Hong Kong dollars “Harbin Economic Development” Harbin Economic Development and Investment Company “HBCF” Harbin Bank Consumer Finance Co., Ltd. “HB Leasing” Harbin Bank Financial Leasing Co., Ltd. “Heilongjiang Financial Holdings” Heilongjiang Financial Holdings Group Co., Ltd. “Hong Kong” the Hong Kong Special Administrative Region of the PRC “Hong Kong Listing Rules” the Rules Governing the Listing of Securities on The Stock Exchange of Hong Kong Limited “Hong Kong Stock Exchange” the Stock Exchange of Hong Kong Limited “Model Code” the Model Code for Securities Transactions by Directors of Listed Issuers set out in Appendix 10 to the Hong Kong Listing Rules “PBOC” or “Central Bank” the People’s Bank of China “Reporting Period” the six months ended 30 June 2021 “SFO” the Securities and Futures Ordinance, Chapter 571 of the Laws of Hong Kong “Supervisor(s)” the supervisor(s) of the Company Harbin Bank Co., Ltd. 2 Interim Report 2021 Company Profile Basic Information Websites for Publishing this Report: Legal Chinese Name: www.hrbb.com.cn www.hkexnews.hk 哈爾濱銀行股份有限公司(Abbreviation: 哈爾濱銀行) Place Where this Report is Available: English Name: No. 888 Shangjiang Street, Daoli District, Harbin, PRC HARBIN BANK CO., LTD. (Abbreviation: HARBIN BANK) Place of Listing, Stock Name and Stock Code: Legal Representative: The Stock Exchange of Hong Kong Limited, HARBIN BANK Deng Xinquan and 6138 Authorised Representatives for the Hong Kong Corporate Unified Social Credit Code: Stock Exchange: 912301001275921118 LYU Tianjun and SUN Feixia Finance Permit Institution Number: Board Secretary: B0306H223010001 SUN Feixia Date of Initial Registration: Company Secretary: 25 July 1997 SUN Feixia Registered Address: Initial Registration Authority: Market Supervision and Administration Bureau of Harbin, No. 160 Shangzhi Street, Daoli District, Harbin, PRC Heilongjiang Province, PRC Principal Place of Business in Hong Kong: Legal Adviser as to Laws of China: 40th Floor, Dah Sing Financial Centre, No. 248 Queen’s Beijing Jun He Law Offices Road East, Wanchai, Hong Kong Contact Address: Legal Adviser as to Laws of Hong Kong, China: No. 888 Shangjiang Street, Daoli District, Harbin, PRC Clifford Chance LLP Telephone: Auditors: 86-451-86779933 Overseas auditor: BDO Limited Domestic auditor: BDO China SHU LUN PAN Certified Facsimile: Public Accountants LLP 86-451-86779829 Hong Kong H Share Registrar and Transfer Email: Office: [email protected] Computershare Hong Kong Investor Services Limited Harbin Bank Co., Ltd. Interim Report 2021 3 Company Profile Company Profile The Company, headquartered in Harbin, was granted its finance permit to carry on financial business by the PBOC in February 1997, and obtained its corporate business license on 25 July 1997. At present, the Company has established 17 branches in Tianjin, Chongqing, Dalian, Shenyang, Chengdu, Harbin, Daqing, etc. and 32 village and township banks in 14 provinces and municipalities, including Beijing, Guangdong, Jiangsu, Jilin and Heilongjiang. The Company, as a controlling shareholder, has promoted the establishment of HB Leasing, the first financial leasing company in Northeastern China, and HBCF, the first consumer finance company in Heilongjiang Province, respectively. As at 30 June 2021, the Group had 390 business outlets with branches and sub-branches across seven administrative regions in China. As at 30 June 2021, the Bank had total assets of RMB632.3138 billion, total loans and advances to customers of RMB294.3987 billion and total customers deposits of RMB489.4106 billion. In the first half of 2021, the Bank was ranked 261st in “2021 Brand Finance Global 500” published by Brand Finance (a famous UK-based branded business valuation consulting firm), 204th in “Top 1000 World Banks 2021” according to The Banker of United Kingdom, and 32nd in the “2020 China Banking Top 100 List (2020年中國銀行業100強榜單)” published by China Banking Association. The Bank was awarded the 2020 Responsible Brand Award (2020年度責任品牌獎) in the “10th China Charity Festival (第十屆中國公益節)”, 2020 Charity Promotion Award (2020年度公益推動力大獎), 2020 Charitable Character Award (2020年度公益人物獎), the “2020 Good News in China Banking Industry” (2020年中國銀行業 示範好新聞) awarded by the China Banking Association. The “Unified Intelligent Risk Control Platform” (統一智能風控平台) of the Bank won the 2021 China Outstanding Financial Digital Innovation Cases (中國優秀金融數字化創新案例) and other awards. Harbin Bank Co., Ltd. 4 Interim Report 2021 Company Profile Major Subsidiaries The details of major subsidiaries of the Company as at 30 June 2021 are as follows: Nominal Ownership/ Place of value voting rights incorporation/ of issued directly Amount registration and share/paid-up owned by the invested by operations capital Company the Company Company Name Place in the PRC RMB million % RMB million Bayan Rongxing Village and Township Bank Co., Ltd. Bayan, Heilongjiang 50 100.00 53.4 Huining Huishi Village and Township Bank Co., Ltd. Huining, Gansu 30 100.00 30 Beijing Huairou Rongxing Village and Township Bank Huairou, Beijing 200 85.00 207.6 Co., Ltd. Yushu Rongxing Village and Township Bank Co., Ltd. Yushu, Jilin 30 100.00 30 Shenzhen Baoan Rongxing Village and Township Bank Baoan, Shenzhen 220 70.00 140 Co., Ltd. Yanshou Rongxing Village and Township Bank Co., Ltd. Yanshou, 30 100.00 30 Heilongjiang Chongqing Dadukou Rongxing Village and Township Dadukou, Chongqing 150 80.00 144.4 Bank Co., Ltd. Suining Anju Rongxing Village and Township Bank Suining, Sichuan 80 75.00 60 Co., Ltd. Huachuan Rongxing Village and Township Bank Co., Huachuan, 270 99.63 269 Ltd. Heilongjiang Baiquan Rongxing Village and Township Bank Co., Ltd. Baiquan, Heilongjiang 253 100.00 253 Yanshi Rongxing Village and Township Bank Co., Ltd. Yanshi, Henan 50 100.00 50 Leping Rongxing Village and Township Bank Co., Ltd. Leping, Jiangxi 160 100.00 160 Jiangsu Rudong Rongxing Village and Township Bank Rudong, Jiangsu 106 80.00 80 Co., Ltd. Honghu Rongxing Village and Township Bank Co., Ltd. Honghu, Hubei 30 100.00 30 Zhuzhou Rongxing Village and Township Bank Co., Ltd. Zhuzhou, Hunan 55 80.00 40 Chongqing Wulong Rongxing Village and Township Wulong, Chongqing 50 70.00 35 Bank Co., Ltd. Harbin Bank Co., Ltd.