On November 20, under the guidance of the People's Bank of China Heilongjiang Branch and relevant government departments, HARBIN BANK (06138)'s Jixi Branch successfully launched Heilongjiang Province's first biodiversity-linked sustainability loan. The bank extended a credit line of RMB 150 million to Heilongjiang Longmei Jixi Mining Co., Ltd., specifically earmarked for ecological restoration across 18 mining sites in the region, with the first tranche already disbursed.

The project was designed based on HARBIN BANK’s sustainability-linked credit product, with fund usage strictly aligned with the standards outlined in the central bank’s *Biodiversity Finance Catalog*. Jixi City, known as the "Coal Capital" and "Graphite Hub," is a historic coal mining base and a nationally designated energy production center approved by the State Council.

Leveraging its corporate policies, HARBIN BANK’s Jixi Branch identified key manufacturing enterprises in the region and deployed its "Sustainability-Linked Loan" product to support green transformation initiatives for major coal producers. Upon identifying the borrower’s financing needs, the bank swiftly coordinated resources across its headquarters, provincial branch, and local branch to structure a tailored financial solution. The loan’s interest rate is tied to the borrower’s progress in mine ecological restoration, incentivizing sustainable development goals.

The corporate banking and credit approval departments at headquarters collaborated to mitigate risks and streamline approvals, ensuring smooth project execution.

2025 marks the 20th anniversary of the "Two Mountains" development philosophy. HARBIN BANK has long championed sustainability, proactively aligning with the central government’s call to "strengthen biodiversity protection" in its 15th Five-Year Plan recommendations.

As of Q3 2025, the bank’s outstanding green loans approached RMB 20 billion. Through innovative products like transition finance and sustainability-linked loans, it has facilitated annual carbon emission reductions of 69,000 tons in Heilongjiang’s real economy, underscoring its commitment as a regional bank to sustainable development.