Income Statement Harbin Bank Co., Ltd.

Stocks

6138

CNE100001SB3

Banks

Market Closed - Hong Kong S.E. Other stock markets 12:08:30 11/06/2026 +04			5-day change	1st Jan Change
0.3100 ^HKD	-1.59%		-4.62%	-11.43%

05-08	Harbin Bank Co., Ltd. agreed to acquire Chengdu Qingbaijiang Rongxing Village and Township Bank Co., Ltd.	CI
04-29	Harbin Bank Co., Ltd. Reports Earnings Results for the First Quarter Ended March 31, 2026	CI

6b59142ce7866122f3b00fc07189d6a.HmcfaXeju9myHG7td1sQ-tBShc0DvEpGhQUvL-d2lDs.UxV2Jjzr2OnbWQHYQyhPouQlxpxK1hV08GYeX4gwxllRPVs_IZv9rsAvNw

Published financial data: HARBIN BANK CO., LTD.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	26.45B	26.07B	29.72B	30.27B	28.6B
Interest Income, Total	26.45B	26.07B	29.72B	30.27B	28.6B
Interest On Deposits	16.39B	17.06B	20.17B	20.44B	18.76B
Interest Expense, Total	16.39B	17.06B	20.17B	20.44B	18.76B
Net Interest Income	10.06B	9.01B	9.55B	9.84B	9.84B
Income From Trading Activities	1.13B	2.42B	2.69B	2.42B	308M
Gain (Loss) on Sale of Assets	125M	73K	-7.62M	-21.78M	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	247M	416M	265M	1.52B	3.89B
Total Other Non Interest Income	758M	1.02B	744M	482M	511M
Non Interest Income, Total	2.26B	3.86B	3.69B	4.41B	4.71B
Revenues Before Provison For Loan Losses	12.32B	12.87B	13.24B	14.24B	14.55B
Provision For Loan Losses	6.7B	6.58B	6.96B	8.07B	8.5B
Total Revenues	5.62B	6.29B	6.28B	6.17B	6.05B
Salaries And Other Employee Benefits	2.33B	2.5B	2.64B	2.58B	2.57B
Occupancy Expense	911M	865M	903M	837M	752M
Selling General & Admin Expenses, Total	1.29B	1.54B	1.78B	1.58B	1.69B
(Income) Loss on Equity Invest.	-	-	-	-	-
Total Other Non Interest Expense	418M	373M	495M	522M	501M
Non Interest Expense, Total	4.96B	5.29B	5.83B	5.52B	5.51B
EBT, Excl. Unusual Items	662M	1B	457M	651M	533M
Asset Writedown	-101M	-	-	-	-
EBT, Incl. Unusual Items	561M	1B	457M	651M	533M
Income Tax Expense	163M	289M	-431M	-431M	-732M
Earnings From Continuing Operations	399M	712M	888M	1.08B	1.26B
Net Income to Company	399M	712M	888M	1.08B	1.26B
Minority Interest	-125M	-158M	-148M	-163M	-119M
Net Income - (IS)	274M	555M	740M	920M	1.15B
Preferred Dividend and Other Adjustments	-	534M	568M	568M	568M
Net Income to Common Incl Extra Items	274M	20.77M	172M	352M	578M
Net Income to Common Excl. Extra Items	274M	20.77M	172M	352M	578M
Per Share Items
Net EPS - Basic	0.02	0	0.02	0.03	0.05
Basic EPS - Continuing Operations	0.02	0	0.02	0.03	0.05
Basic Weighted Average Shares Outstanding	11B	11B	11B	11B	11B
Net EPS - Diluted	0.02	0	0.02	0.03	0.05
Diluted EPS - Continuing Operations	0.02	0	0.02	0.03	0.05
Diluted Weighted Average Shares Outstanding	11B	11B	11B	11B	11B
Normalized Basic EPS	0.03	0.04	0.01	0.02	0.02
Normalized Diluted EPS	0.03	0.04	0.01	0.02	0.02
Dividend Per Share	-	-	-	-	-
Payout Ratio	2.96	96.26	76.7	61.72	49.55
Supplemental Items
Effective Tax Rate - (Ratio)	28.96	28.83	-94.2	-66.15	-137.25
Current Domestic Taxes	869M	657M	351M	602M	558M
Total Current Taxes	869M	657M	351M	602M	558M
Deferred Domestic Taxes	-706M	-368M	-782M	-1.03B	-1.29B
Total Deferred Taxes	-706M	-368M	-782M	-1.03B	-1.29B
Normalized Net Income	289M	468M	138M	244M	214M
Non-Cash Pension Expense	12.61M	9.92M	8.3M	13.22M	11.05M

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	32.01B	56.46B	37.09B	75.87B	74.48B
Investment Securities, Total	184B	210B	278B	296B	376B
Trading Asset Securities, Total	63.31B	83.64B	86.56B	82.02B	81.91B
Total investments	247B	293B	365B	378B	457B
Gross Loans	321B	308B	349B	405B	438B
Allowance For Loan Losses	-15.18B	-15.85B	-19.28B	-23.06B	-24.36B
Other Adjustments to Gross Loans	-2.36B	-1.98B	-2.2B	-2.03B	-1.93B
Net Loans	303B	290B	328B	380B	412B
Gross Property Plant And Equipment	13.4B	13.78B	13.74B	13.8B	13.54B
Accumulated Depreciation	-4.32B	-4.81B	-5.26B	-5.69B	-5.87B
Net Property Plant And Equipment	9.08B	8.97B	8.48B	8.11B	7.67B
Other Intangibles, Total	489M	478M	437M	380M	349M
Accrued Interest Receivable	4.21B	3.69B	4.71B	6.38B	7.54B
Other Receivables	3.99B	9.07B	16.58B	18.06B	10.21B
Restricted Cash	36.65B	38.45B	42.76B	38.46B	36.26B
Other Current Assets, Total	323M	850M	471M	293M	183M
Deferred Tax Assets Long-Term (Collected)	4.36B	4.83B	5.53B	6.17B	7.92B
Other Real Estate Owned And Foreclosed	-	4.15B	4.49B	4.14B	4.13B
Other Long-Term Assets, Total	3.37B	2.45B	385M	682M	1.34B
Total Assets	645B	713B	813B	916B	1,019B
Liabilities
Accrued Expenses, Total	2.94B	3.41B	3.96B	3.87B	3.87B
Interest Bearing Deposits	522B	582B	666B	717B	767B
Total Deposits	522B	582B	666B	717B	767B
Short-Term Borrowings	10.84B	4.28B	11.4B	35.1B	54.41B
Current Portion of Long-Term Debt	35.44B	47.56B	49.16B	70.81B	95.64B
Long-Term Debt	2.66B	521M	928M	1.14B	1.53B
Long-Term Leases	377M	451M	338M	293M	268M
Current Income Taxes Payable	586M	391M	235M	398M	397M
Accrued Interest Payable	5.35B	8.03B	14.6B	19.61B	19.54B
Other Current Liabilities - (Bank / Utility Template)	74.57M	74.13M	30.75M	29.85M	29.85M
Unearned Revenue Non Current	174M	159M	140M	73.01M	43.15M
Pension & Other Post Retirement Benefits	41.23M	35.72M	32.79M	35.39M	35.58M
Other Non Current Liabilities	2.02B	2.08B	2.52B	2.48B	11.68B
Total Liabilities	582B	649B	749B	851B	955B
Common Stock, Total	11B	11B	11B	11B	11B
Additional Paid In Capital	7.62B	7.62B	7.42B	7.42B	7.62B
Retained Earnings	30.76B	30.77B	30.95B	31.33B	31.91B
Comprehensive Income and Other	11.41B	11.78B	12.24B	13.41B	11.76B
Total Common Equity	60.79B	61.17B	61.6B	63.16B	62.29B
Minority Interest	1.99B	2.15B	2.28B	2.43B	2.49B
Total Equity	62.78B	63.32B	63.89B	65.6B	64.78B
Total Liabilities And Equity	645B	713B	813B	916B	1,019B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	11B	11B	11B	11B	11B
ECS Total Common Shares Outstanding	11B	11B	11B	11B	11B
Book Value / Share	5.53	5.56	5.6	5.74	5.67
Tangible Book Value	60.31B	60.7B	61.17B	62.78B	61.94B
Tangible Book Value Per Share	5.48	5.52	5.56	5.71	5.63
Average Loans	315B	308B	326B	372B	410B
Total Debt	49.32B	52.81B	61.83B	107B	152B
Deposits at Interest - Cash	4.11B	19.3B	36.04B	14.79B	11.61B
Net Debt	-46.36B	-88.44B	-81.86B	-50.88B	-4.65B
Full Time Employees	8.59K	6.82K	7.09K	8.86K	8.81K
Number Of Offices	392	389	386	390	373
Assets on Operating Lease - Gross	213M	213M	213M	214M	338K
Assets on Operating Lease - Accumulated Depreciation	-105M	-113M	-121M	-128M	-320K

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	274M	555M	740M	920M	1.15B
Depreciation, Depletion & Amortization	743M	790M	770M	717M	653M
Total Depreciation, Depletion & Amortization	743M	790M	770M	717M	653M
(Gain) Loss On Sale of Asset - (CF)	-125M	-73K	7.62M	21.77M	-16.81M
(Gain) Loss on Sale of Investments - (CF)	-783M	-1.75B	-2.03B	-2.97B	-1.17B
Total Asset Writedown	101M	-	-	103M	56.71M
Provision for Credit Losses	6.12B	326M	6.05B	7.12B	5.49B
(Income) Loss On Equity Investments - (CF)	-	-	-	-	-
Change in Other Net Operating Assets (Collected)	7.49B	4.91B	-33.56B	-25.88B	32.95B
Other Operating Activities	-7.57B	-3.05B	-10.57B	-10.52B	-9.91B
Cash from Operations	6.25B	1.78B	-38.6B	-30.5B	29.2B
Capital Expenditure	-535M	-350M	-179M	-391M	-194M
Sale of Property, Plant, and Equipment	202M	3.75M	5.67M	182M	225M
Divestitures	-	-	-	-	-283M
Investment in Marketable and Equity Securities, Total	-29.32B	-50.48B	-51.56B	-29.96B	-85.06B
Other Investing Activities, Total	8.98B	10.07B	11.79B	13.63B	14.81B
Cash from Investing	-20.67B	-40.76B	-39.94B	-16.54B	-70.5B
Long-Term Debt Issued, Total	65.83B	109B	52.92B	106B	190B
Total Debt Issued	65.83B	109B	52.92B	106B	190B
Long-Term Debt Repaid, Total	-68.48B	-99.23B	-58.68B	-90.35B	-175B
Total Debt Repaid	-68.48B	-99.23B	-58.68B	-90.35B	-175B
Common Dividends Paid	-8.12M	-534M	-568M	-568M	-568M
Common & Preferred Stock Dividends Paid	-8.12M	-534M	-568M	-568M	-568M
Net Increase (Decrease) in Deposit Accounts - (CF)	30.45B	56.07B	84.68B	51.17B	25.56B
Other Financing Activities, Total	-1.77B	-1.03B	-107M	-616M	-453M
Cash from Financing	26.02B	64.48B	78.25B	66.05B	39.75B
Foreign Exchange Rate Adjustments	-112M	-38.69M	-138M	-24.41M	12.84M
Net Change in Cash	11.49B	25.45B	-429M	18.99B	-1.54B
Supplemental Items
Cash Interest Paid	17.59B	17.13B	19.66B	20.43B	18.25B
Cash Income Tax Paid (Refund)	1.11B	852M	522M	438M	523M
Net Debt Issued / Repaid	-2.65B	9.97B	-5.76B	16.06B	15.2B

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.06	0.1	0.12	0.13	0.13
Return On Equity %	0.7	1.13	1.4	1.67	1.94
Return on Common Equity	0.5	0.03	0.28	0.56	0.92
Shareholders Value Added	-6.33B	-6.76B	-6.63B	-6.57B	-6.38B
Margin Analysis
SG&A Margin	80.77	78.14	84.85	80.98	82.89
Net Interest Income / Total Revenues %	179.05	143.28	151.96	159.43	162.76
EBT Excl. Non-Recurring Items Margin %	11.79	15.93	7.28	10.56	8.82
Income From Continuing Operations Margin %	7.1	11.33	14.13	17.54	20.92
Net Income Margin %	4.88	8.82	11.78	14.9	18.95
Net Avail. For Common Margin %	4.88	0.33	2.74	5.71	9.56
Normalized Net Income Margin	5.15	7.44	2.19	3.96	3.54
Asset quality
Nonperforming Loans / Total Loans %	2.82	2.76	2.75	2.79	2.88
Nonperforming Loans / Total Assets %	1.4	1.19	1.18	1.23	1.24
Nonperforming Assets / Total Assets %	1.4	1.78	1.73	1.69	1.64
NPAs / Loans and OREO	2.82	4.06	3.98	3.78	3.79
NPAs / Equity	14.43	19.99	22.04	23.57	25.86
Allowance for Credit Losses / Net Charge-offs %	520.78	443.24	985.81	891.54	786.61
Allowance for Credit Losses / Nonperforming Loans %	167.57	186.11	201.2	203.78	192.93
Allowance for Credit Losses / Total Loans %	4.73	5.15	5.52	5.69	5.56
Net Charge-offs / Total Average Loans %	0.93	1.16	0.6	0.7	0.76
Provision for Loan Losses / Net Charge-offs %	229.83	184.15	355.71	312.15	274.55
Earning Assets / IBL	101.31	98.88	95.57	97.36	98.92
Capital And Funding
Total Average Common Equity / Total Average Assets %	8.85	8.98	8.05	7.21	6.48
Total Average Equity / Total Average Assets %	9.16	9.29	8.34	7.49	6.74
Total Equity + Allowance for Loan Losses / Total Loans %	23.68	25.01	23.18	21.29	19.78
Gross Loans / Total Deposits %	61.49	52.88	52.4	56.49	57.11
Net Loans / Total Deposits %	58.13	49.82	49.17	52.99	53.68
Tier 1 Capital Ratio %	11.33	10.69	12.48	12.37	12.28
Total Capital Ratio %	12.54	11.91	13.71	13.61	13.52
Core Tier 1 Capital Ratio	9.28	8.64	8.69	8.68	8.48
Tier 2 Capital Ratio	1.21	1.22	1.22	1.24	1.24
Coverage Ratio	76.51	56.95	63.38	65.32	62.77
Interbank Ratio	16.15	57.88	55.59	37.81	16.01
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.03	1.06	1.02	1.03	1.03
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-18.26	-10.47	6.02	3.02	0.02
Non Interest Income, 1 Yr. Growth %	-1.68	71.06	-4.42	19.32	6.82
Provision For Loan Losses, 1 Yr. Growth %	-19.29	-1.74	5.68	16.03	5.3
Total Revenues, 1 Yr. Growth %	-10.88	11.88	-0.04	-1.81	-2.03
Earnings From Cont. Operations, 1 Yr. Growth %	-49.9	78.71	24.65	21.87	16.83
Net Income, 1 Yr. Growth %	-63.24	102.37	33.39	24.28	24.56
Normalized Net Income, 1 Yr. Growth %	-65.15	61.74	-70.58	77.52	-12.41
Diluted EPS Before Extra, 1 Yr. Growth %	-63.24	-92.43	730.4	104.22	64.16
Gross Loans, 1 Yr. Growth %	4.39	-4	13.33	16.02	8.17
Allowance For Loan Losses, 1 Yr. Growth %	23.4	4.38	21.68	19.57	5.63
Net Loans, 1 Yr. Growth %	3.77	-4.33	12.89	15.97	8.4
Non Performing Loans, 1 Yr. Growth %	1.54	-6.02	12.55	18.06	11.57
Non Performing Assets, 1 Yr. Growth %	1.54	38.94	11.2	9.8	8.39
Total Assets, 1 Yr. Growth %	7.76	10.49	14.11	12.65	11.25
Total Deposits, 1 Yr Growth %	7.9	11.63	14.37	7.61	7.02
Tangible Book Value, 1 Yr. Growth %	23.46	0.65	0.78	2.64	-1.34
Average Interest Earning Assets, 1 Yr. Growth %	0.97	3.05	14.53	12.29	9.6
Average Interest Bearing Liabilities, 1 Yr. Growth %	0.12	5.58	18.49	10.22	7.86
Common Equity, 1 Yr. Growth %	23.45	0.63	0.7	2.53	-1.38
Total Equity, 1 Yr. Growth %	22.83	0.86	0.9	2.67	-1.24
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-7.25	-14.46	-2.58	4.5	1.51
Non Interest Income, 2 Yr. CAGR %	-18.84	29.68	27.87	6.8	12.9
Provision For Loan Losses, 2 Yr. CAGR %	13.72	-10.94	1.9	10.73	10.53
Total Revenues, 2 Yr. CAGR %	-24.83	-0.15	5.75	-0.93	-1.92
Earnings From Cont. Operations, 2 Yr. CAGR %	-66.88	-5.38	49.25	23.25	19.33
Net Income, 2 Yr. CAGR %	-72.24	-13.75	64.3	28.75	24.42
Normalized Net Income, 2 Yr. CAGR %	-68.51	-24.93	-31.02	-27.73	24.7
Diluted EPS Before Extra, 2 Yr. CAGR %	-72.24	-83.31	-20.7	311.81	83.1
Dividend Per Share, 2 Yr. CAGR %	-	-	-	-	-
Gross Loans, 2 Yr. CAGR %	5.13	0.1	4.3	14.67	12.03
Allowance For Loan Losses, 2 Yr. CAGR %	30.1	13.5	12.7	20.62	12.38
Net Loans, 2 Yr. CAGR %	4.36	-0.36	3.92	14.42	12.12
Non Performing Loans, 2 Yr. CAGR %	24.13	-2.31	2.85	15.27	14.77
Non Performing Assets, 2 Yr. CAGR %	24.13	19.11	24.3	10.5	9.09
Total Assets, 2 Yr. CAGR %	5.18	9.12	12.29	13.38	11.95
Total Deposits, 2 Yr CAGR %	9.62	9.75	12.99	10.94	7.32
Tangible Book Value, 2 Yr. CAGR %	10.36	11.47	0.71	1.7	0.63
Average Interest Earning Assets, 2 Yr. CAGR %	0.82	2	8.64	13.4	10.94
Average Interest Bearing Liabilities, 2 Yr. CAGR %	1.4	2.81	11.85	14.28	9.04
Common Equity, 2 Yr. CAGR %	10.46	11.45	0.66	1.61	0.56
Total Equity, 2 Yr. CAGR %	10.26	11.31	0.88	1.78	0.7
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-0.22	-8.34	-8.12	-0.75	2.99
Non Interest Income, 3 Yr. CAGR %	-18.67	4.05	17.14	24.95	6.8
Provision For Loan Losses, 3 Yr. CAGR %	40.31	8.32	-5.72	6.41	8.89
Total Revenues, 3 Yr. CAGR %	-22.13	-14.17	-0.11	3.17	-1.3
Earnings From Cont. Operations, 3 Yr. CAGR %	-58.49	-41.91	3.72	39.5	21.07
Net Income, 3 Yr. CAGR %	-63.31	-46.18	-0.25	49.7	27.34
Normalized Net Income, 3 Yr. CAGR %	-60.05	-45.66	-45.06	-5.47	-22.94
Diluted EPS Before Extra, 3 Yr. CAGR %	-63.31	-82	-38.63	8.7	203.08
Dividend Per Share, 3 Yr. CAGR %	-	-	-	-	-
Gross Loans, 3 Yr. CAGR %	4.81	1.99	4.33	8.07	12.46
Allowance For Loan Losses, 3 Yr. CAGR %	23.39	20.89	16.16	14.94	15.4
Net Loans, 3 Yr. CAGR %	4.23	1.38	3.87	7.79	12.38
Non Performing Loans, 3 Yr. CAGR %	23.96	13.14	2.41	7.69	14.02
Non Performing Assets, 3 Yr. CAGR %	23.96	29.13	16.42	19.27	9.79
Total Assets, 3 Yr. CAGR %	1.57	6.92	10.76	12.41	12.67
Total Deposits, 3 Yr CAGR %	7.24	10.28	11.27	11.17	9.62
Tangible Book Value, 3 Yr. CAGR %	9.38	7.02	7.79	1.35	0.68
Average Interest Earning Assets, 3 Yr. CAGR %	1.38	1.56	6.02	9.84	12.12
Average Interest Bearing Liabilities, 3 Yr. CAGR %	2.91	2.77	7.8	11.31	12.1
Common Equity, 3 Yr. CAGR %	9.52	7.08	7.75	1.28	0.6
Total Equity, 3 Yr. CAGR %	9.75	7.03	7.72	1.47	0.76
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-2.76	-4.45	-1.17	-3.4	-4.38
Non Interest Income, 5 Yr. CAGR %	12.77	6.45	-2.53	5.14	15.43
Provision For Loan Losses, 5 Yr. CAGR %	28.21	19.86	23.46	9.28	0.48
Total Revenues, 5 Yr. CAGR %	-12.37	-11.33	-11.99	-9.1	-0.84
Earnings From Cont. Operations, 5 Yr. CAGR %	-39.61	-33.08	-30.74	-21.52	9.7
Net Income, 5 Yr. CAGR %	-43.77	-36.2	-33.16	-23.71	8.97
Normalized Net Income, 5 Yr. CAGR %	-40.69	-36.11	-50.3	-39.1	-23.74
Diluted EPS Before Extra, 5 Yr. CAGR %	-43.77	-66.93	-50.06	-37.04	-4.97
Dividend Per Share, 5 Yr. CAGR %	-	-	-	-	-
Gross Loans, 5 Yr. CAGR %	7.98	3.85	4.61	6.88	7.35
Allowance For Loan Losses, 5 Yr. CAGR %	23.31	17.6	19	20.78	14.63
Net Loans, 5 Yr. CAGR %	7.47	3.32	4.1	6.41	7.1
Non Performing Loans, 5 Yr. CAGR %	24.07	14	15.04	13.99	7.19
Non Performing Assets, 5 Yr. CAGR %	24.07	23.41	24.24	21.33	13.43
Total Assets, 5 Yr. CAGR %	3.66	4.78	5.73	9.46	11.23
Total Deposits, 5 Yr CAGR %	4.3	7.73	9.51	10.54	9.67
Tangible Book Value, 5 Yr. CAGR %	10.66	8.12	5.82	4.86	4.87
Average Interest Earning Assets, 5 Yr. CAGR %	5.3	2.07	4.22	6.14	7.96
Average Interest Bearing Liabilities, 5 Yr. CAGR %	6.45	3.67	6.4	7.23	8.29
Common Equity, 5 Yr. CAGR %	10.74	8.2	5.89	4.86	4.81
Total Equity, 5 Yr. CAGR %	10.95	8.35	6.11	4.9	4.86