Ms. Zhao, who operates a small supermarket in Daoli District, Harbin, first visited a Harbin Bank (HSE: 06138) branch simply to exchange for a third-generation social security card. During the attentive service, branch staff noticed her stable business cash flow and significant short-term fund deposits, proactively tailoring a fund management plan for her. From efficient management of working capital to the scientific allocation of conservative wealth management products, and ultimately growing into a premium wealth management client, Ms. Zhao expressed heartfelt appreciation: "Harbin Bank's service is more considerate than I imagined, even planning for financial arrangements I had overlooked." Such heartwarming and professional service stories unfold daily across the bank's network.
Consistently upholding the core philosophy of "customer-centricity," Harbin Bank focuses on the diverse needs of its varied customer base. It continuously iterates its product systems, broadens service scenarios, and enhances the customer experience. By empowering both professional capability and service warmth, the bank propels its retail business into a new phase of high-quality development.
Wealth Management: Diversified Allocation, Building New Paths for Client Value Growth
In recent years, the bank has precisely targeted core demand scenarios such as pension finance, wealth accumulation, financial planning, and whole-life-cycle asset allocation. It is fully committed to building a comprehensive, responsive, and precise wealth management service system. By continuously expanding partnerships with high-quality institutions and enriching its product offerings, the bank has created a diversified product matrix suitable for all customer segments and multiple scenarios. On the foundation of ensuring fund safety and liquidity, it comprehensively elevates the professionalism of asset allocation, driving wealth management services to simultaneously enhance both "inclusivity" and "sense of gain." By the end of 2025, Harbin Bank's total retail financial assets reached 554.3 billion yuan, with an annual increase of 32.6 billion yuan, achieving dual growth in both the scale of retail wealth business and service quality and efficiency.
Public Service: Social and Banking Integration, Bridging the Last Mile of Convenient Services
As the cooperative financial institution in Heilongjiang Province with the most comprehensive social security card service offerings and the widest coverage, Harbin Bank uses the third-generation social security card as a service vehicle to fully bridge the "last mile" of social security services. On one hand, it deepens the "integrated processing" service for social security card-related businesses, building a unified convenient service matrix around high-frequency scenarios such as card issuance, subsidy inquiries, insurance information queries, benefit eligibility verification, and pension payment account changes. On the other hand, it accelerates the construction of the "one-card-for-all" resident service system using the social security card, innovating promotional models in collaboration with human resources and social security departments to fully showcase its convenient and beneficial advantages. To date, Harbin Bank has issued over 1.74 million social security cards, with service outlets achieving full coverage across the province, bringing financial services truly to the people's doorstep and closer to their daily lives.
Customer Segment Cultivation: Precise Engagement, Building a New Paradigm for Differentiated Experiences
Harbin Bank, focusing on the needs of different customer segments, has meticulously crafted five distinctive brand activities: "Third-Party Payment," "Asset Enhancement," "Seasonal Gifts," "Private Collection," and "First Risk Assessment Gift." Exclusive privileges for private banking clients cover 12 major categories with 89 specific items, using diverse service initiatives to enhance customer satisfaction. Concurrently, the bank has innovated a "human + AI" remote collaborative engagement mechanism. Driven by the dual engines of "digital intelligence empowerment and wealth management," it focuses on high-frequency transactions and precise customer acquisition, promoting the deep integration of "finance + lifestyle" service scenarios. Through differentiated and precise services, it activates the value of retail customer segments, achieving steady aggregation of financial assets and continuous enhancement of the customer experience.
Looking ahead to 2026, Harbin Bank will continue to enrich its wealth management product offerings, broaden financial service scenarios, and enhance its professional service capabilities. With higher quality, more efficient, and more attentive inclusive financial services, it will accompany its vast clientele on a new journey towards wealth.