In the first half of 2025, HARBIN BANK (06138) steadily advanced its "Digital Harbin Bank" construction initiative, consolidating its secure operational foundation, enhancing technological support and innovation capabilities, and deepening technology system reforms. The bank developed smart credit projects to drive retail credit digitalization, formulated a three-year information technology strategic plan, and established a "three-dimensional" R&D framework encompassing business, technology, and management aspects. The institution strengthened its information security assurance system while accelerating the construction of a new digital finance landscape. Concurrently, the group maintains a prudent risk appetite, building a comprehensive risk management system that integrates risk control throughout strategic, performance, and business processes. The bank has optimized its full-cycle risk identification, measurement, and monitoring procedures, strictly adhered to compliance standards, and enhanced intelligent risk control capabilities, thereby establishing a robust risk defense framework to support high-quality development.