HARBIN BANK (06138) has positioned retail finance as the focal point of its strategic transformation in 2025, accelerating digital upgrades and building a comprehensive service system to continuously solidify its customer foundation. During the reporting period, the group established a service model featuring "specialized activities + exclusive products + value-added benefits," promoted omnichannel coordination integrating "online and offline" channels, expanded the application scenarios for social security cards, and enhanced the customer service experience. Data shows that as of year-end, the group's retail customer base reached 15.2658 million, an increase of 358,100 from the previous year. The balance of managed customer financial assets was RMB 554.300 billion, a year-on-year increase of RMB 32.608 billion. The number of retail customers with assets exceeding RMB 50,000 reached 1.5133 million, reflecting a growth of 7.00%. The steady development of the retail business has optimized the business structure and improved the stability and sustainability of profitability.