In 2025, Harbin Bank Consumer Finance Company adhered to party-building guidance, remained committed to its fundamental role in inclusive finance, and closely aligned with the national strategy of expanding domestic demand and stimulating consumption. Leveraging its mature experience in microcredit, along with advantages in financial technology and business scenarios, the company deepened its focus on consumer finance. Through stable operations, technological innovation, and a strong sense of responsibility, it delivered a high-quality annual performance report. As of December 31, 2025, the company's operational indicators showed steady improvement. Total assets reached 24.969 billion yuan, an increase of 2.46% from the beginning of the year. The loan balance stood at 23.191 billion yuan, up 2.77% from the start of the year. Cumulative credit-approved customers exceeded 26.52 million. Annual operating revenue reached 1.674 billion yuan, a year-on-year increase of 19.66%. Notably, the company disbursed over 9.5 billion yuan in loans within Heilongjiang Province, providing targeted support for local consumption recovery and the development of the real economy.
As a key practitioner of inclusive finance, Harbin Bank Consumer Finance has consistently focused on serving people's livelihoods and boosting consumption, directing financial resources precisely to residents' daily spending areas. The company utilizes intelligent risk control to lower the service threshold, making credit a "financial pass" for ordinary users. Relying on end-to-end digital operations, it has significantly enhanced loan processing efficiency and accessibility. By the end of 2025, the company's cumulative disbursement amount surpassed 368 billion yuan, covering diverse consumption scenarios such as home improvement, education, and cultural tourism. This has effectively met the reasonable consumption needs of urban and rural residents, injecting sustained momentum into the real economy.
Technological innovation serves as the core engine for driving high-quality development. In 2025, the company accelerated its digital transformation, comprehensively advancing the construction of its Technology 3.0 system. It actively explored deep applications of large AI models in risk control, operations, and customer service scenarios. Throughout the year, it added 27 national software copyrights and 5 invention patents, with innovative achievements continuously being implemented. By empowering the entire business chain with technology, the company achieved cost reduction, efficiency gains, controllable risks, and an enhanced user experience. It has reshaped the consumer finance service model across dimensions like process, efficiency, and cost, further broadening the coverage and accessibility of inclusive finance.
Harbin Bank Consumer Finance integrates compliant operations, consumer rights protection, and social responsibility into its top-level design, transforming ESG from a "bonus" into a "mandatory requirement." The company fully implements a comprehensive consumer protection strategy, embedding protection requirements into the entire process of product design, risk control approval, and customer service. It launched an intelligent work order system and a one-click transfer function, continuously improving service response speed and user satisfaction. Concurrently, the company regularly conducts public welfare initiatives such as "3·15" financial literacy campaigns and programs to prevent illegal campus lending. It also introduced original educational content like "Xiao Hao Explains Consumer Protection," using easy-to-understand formats to enhance public financial literacy. Recognized for its outstanding performance in inclusive finance, technological innovation, and social responsibility, the company was awarded the "2025 Pioneer Award for Social Responsibility," achieving an organic unity of commercial and social value.
Looking ahead, Harbin Bank Consumer Finance will continue to uphold its inclusive positioning, strengthen technological support, and deepen its presence in consumption scenarios. Aligned with national policies to stimulate consumption and expand domestic demand, and guided by the principle of leveraging finance for good and serving the people, the company aims to contribute further to local economic development and the comprehensive revitalization of Northeast China.