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) 2016 ANNUAL RESULTS ANNOUNCEMENT The board of directors (the “Board”) of Harbin Bank Co., Ltd. (the “Bank”) is pleased to announce the audited annual results of the Bank and its subsidiaries (the “Group”) for the year ended 31 December 2016. This results announcement, containing the full text of the 2016 Annual 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 announcements of annual results. The annual financial statements of the Group for the year ended 31 December 2016 have been audited by Ernst & Young in accordance with International Standard on Review Engagements. Such annual 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 printed version of the 2016 Annual Report of the Bank will be dispatched to the holders of H shares of the Bank and available for viewing on the above websites in April 2017. The Company holds the Finance Permit No. B0306H223010001 approved by the China Banking Regulatory Commission and has obtained the Business License (Uniform Social Credit Code: 912301001275921118) approved by 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. Harbin Bank Co., Ltd. 1 Contents 2016 Annual Report Definitions 2 Company Profile 4 Summary of Accounting Data and Financial Indicators 10 Chairman’s Statement 14 President’s Statement 18 Report of the Board of Directors 22 Changes in Share Capital and Information on Shareholders 93 Corporate Governance Report 98 Report of the Board of Supervisors 127 Important Events 129 Directors, Supervisors, Senior Management, Employees and Organizations 136 Financial Statements 150 Documents for Inspection 276 2 Harbin Bank Co., Ltd. 2016 Annual Report Definitions Definitions Company Profile Summary of Accounting Data and Financial Indicators Chairman’s Statement President’s Statement In this report, unless the context otherwise requires, the following terms shall have the meanings set out below. “A Shares” ordinary shares that are proposed to be issued pursuant to the A Share Offering by the Bank, which will be listed on the Shanghai Stock Exchange and traded in RMB “A Share Offering” the Bank’s proposed initial public offering of not more than 3,666,000,000 A Shares which are to be listed on the Shanghai Stock Exchange “Reporting Period” the year ended 31 December 2016 “Company” or “Bank” 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 “Group” the Company and all of its subsidiaries and branches “Model Code” the Model Code for Securities Transactions by Directors of Listed Issuers set out in Appendix 10 to the Hong Kong Listing Rules “Chief Financial Officer” the chief financial officer of the Company “Director(s)” the director(s) of the Company “Board” or “Board of Directors” the board of directors of the Company “Articles of Association” the articles of association of Harbin Bank Co., Ltd. “H Shares” overseas-listed foreign invested ordinary shares of a nominal value of RMB1.00 each in the share capital of the Company, which are listed and traded on the Hong Kong Stock Exchange “Harbin Economic Development” Harbin Economic Development and Investment Company “HBCF” Harbin Bank Consumer Finance Co., Ltd. “HB Leasing” Harbin Bank Financial Leasing Co., Ltd. “Supervisor(s)” the supervisor(s) of the Company “Board of Supervisors” the board of supervisors of the Company Harbin Bank Co., Ltd. 3 2016 Annual Report Definitions Definitions Company Profile Summary of Accounting Data and Financial Indicators Chairman’s Statement President’s Statement “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 Renminbi “PBOC” or “Central Bank” the People’s Bank of China “Hong Kong Stock Exchange” The Stock Exchange of Hong Kong Limited “Hong Kong Listing Rules” The Rules Governing the Listing of Securities on The Stock Exchange of Hong Kong Limited “SFO” the Securities and Futures Ordinance, Chapter 571 of the Laws of Hong Kong “CBRC” the China Banking Regulatory Commission “CSRC” the China Securities Regulatory Commission 4 Harbin Bank Co., Ltd. 2016 Annual Report Company Profile Definitions Company Profile Summary of Accounting Data and Financial Indicators Chairman’s Statement President’s Statement Basic Information Website for Publishing this Report: Legal Chinese Name: www.hrbb.com.cn 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, GUO Zhiwen HARBIN BANK and 6138 Authorised Representatives for the Hong Kong Corporate Uniform Social Credit Code: Stock Exchange: 912301001275921118 LIU Zhuo and SUN Feixia Finance Permit Institution Number: Board Secretary: B0306H223010001 SUN Feixia Date of Initial Registration: Joint Company Secretaries: 25 July 1997 SUN Feixia and NGAI Wai Fung Initial Registration Authority: Registered Address: Market Supervision and Administration Bureau of Harbin, Heilongjiang Province, PRC No. 160 Shangzhi Street, Daoli District, Harbin, PRC Legal Adviser as to Laws of China: Principal Place of Business in Hong Kong: Beijing Jun He Law Offices 18/F, Tesbury Centre, 28 Queen’s Road East, Wan Chai, Hong Kong Legal Adviser as to Laws of Hong Kong, China: Contact Address: Linklaters No. 888 Shangjiang Street, Daoli District, Harbin, PRC Auditors: Telephone: Overseas auditor: Ernst & Young, Certified Public Accountants in Hong Kong 86-451-86779933 Domestic auditor: Ernst & Young Hua Ming LLP Facsimile: Hong Kong H Share Registrar and Transfer Office: 86-451-86779829 Computershare Hong Kong Investor Services Limited Email: [email protected] Harbin Bank Co., Ltd. 5 2016 Annual Report Company Profile Definitions Company Profile Summary of Accounting Data and Financial Indicators Chairman’s Statement President’s Statement Company Profile The Bank, 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 Bank has established 17 branches in Tianjin, Chongqing, Dalian, Shenyang, Chengdu, Harbin, Daqing, etc. and 32 village and township banks (including 8 village and township banks in preparation) in 14 provinces and municipalities, including Beijing, Guangdong, Jiangsu, Jilin and Heilongjiang. The Bank, as a controlling shareholder, has promoted the establishment of HB Leasing, the first financial leasing company in Northeastern China, and HBCF (approved for establishment), the first consumer finance company in Heilongjiang Province, respectively. As at 31 December 2016, the Group had 355 business outlets with branches and sub-branches across seven administrative regions across China. As at 31 December 2016, the Bank had total assets of RMB539.0162 billion, total loans and advances to customers of RMB201.6279 billion and total customer deposits of RMB343.1510 billion. The Bank is ranked 207th in the “Top 1,000 World Banks” in terms of total tier 1 capital in 2016 published by the Banker of United Kingdom, thus rising 2 places from the previous ranking, and the 31st among the Chinese-funded banks. According to the 2016 “Top 500 Banks in Asia-Pacific Region” published by The Asian Banker, the Bank is ranked 99th in comprehensive ranking, thus rising 16 places as compared to the ranking in 2015, and the 48th among banks in Greater China. According to the “Stars of China Awards” 2016 published by Global Finance, a US-based magazine, the Bank has won the “2016 Best City Commercial Bank” award, and become a commercial bank winning this award for three consecutive years. 6 Harbin Bank Co., Ltd. 2016 Annual Report Company Profile Definitions Company Profile Summary of Accounting Data and Financial Indicators Chairman’s Statement President’s Statement Major Awards for 2016 List of Major Awards for 2016 No. Name of Award Awarding Party Time of Award 1 2015 Outstanding Award for System Access Clearing Center For City Commercial January 2016 (2015年系統接入行「突出貢獻獎」) Banks 2 Mobile Banking: 2016 Best Creative Customer China Online Banking Promotion Alliance March 2016 Experience Award (中國網上銀行促進聯盟) (手機銀行：2016年度最佳客戶創新體驗獎) 3 2016 Top Ten Innovative Projects in China Securities