Harbin Bank H1 Net Profit Up 12.81%, NIM Dips Below 1%
Harbin Bank reported a 12.81% year-on-year rise in net profit attributable to shareholders to RMB 1.032 billion for the first half of 2026, with operating revenue up 4.53% to RMB 7.72 billion. Net interest income fell 2.25% to RMB 4.313 billion, and the net interest margin dropped to 0.98%, falling below 1% for the first time.
According to Harbin Bank's interim report for the first half of 2026, the bank recorded operating revenue of RMB 7.72 billion in the period, up 4.53% year on year. Net profit attributable to shareholders reached RMB 1.032 billion, an increase of 12.81%.
In terms of revenue structure, net interest income declined by 2.25% year on year to RMB 4.313 billion, while the net interest margin stood at 0.98%, falling below the 1% threshold for the first time.