In 2025, HARBIN BANK (06138) concentrated on its cross-border financial operations, leveraging its geographical advantages to support the development of Heilongjiang Province as a new hub for northern opening. This focus resulted in dual improvements in both business scale and service efficiency. During the reporting period, the group established a comprehensive foreign exchange compliance management system and forged partnerships with renowned domestic and international enterprises, thereby strengthening its core customer ecosystem. A key highlight was the bank becoming the first local corporate bank in Heilongjiang Province to directly participate in the central bank's foreign currency payment system, significantly enhancing the efficiency of cross-border settlements. Concurrently, the bank optimized financial services for border resident trade, achieving "zero travel and instant arrival" for cross-border payments by border residents. The substantial growth in cross-border business has expanded the bank's operational scope and enhanced its overall competitiveness, positioning it to continuously benefit from the development opportunities presented by the Belt and Road Initiative.