Harbin Bank Ratios and Metrics

Market cap in millions HKD. Fiscal year is January - December.

Millions HKD. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Apr '26 Apr 1, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Market Capitalization	3,793	3,848	3,684	2,628	3,684	8,687
Market Cap Growth	4.55%	4.48%	40.17%	-28.66%	-57.59%	-21.00%
Last Close Price	0.34	0.35	0.34	0.24	0.34	0.79
PE Ratio	5.90	5.98	9.83	13.84	156.88	25.82
PS Ratio	0.56	0.57	0.56	0.38	0.52	1.26
PB Ratio	0.05	0.05	0.05	0.04	0.05	0.11
P/FCF Ratio	0.12	0.12	-	-	2.28	1.24
P/OCF Ratio	0.12	0.12	-	-	1.83	1.13
Debt / Equity Ratio	2.34	2.34	1.64	0.97	0.83	0.79
Debt / FCF Ratio	5.24	5.24	-	-	37.02	8.63
Net Debt / Equity Ratio	-0.07	-0.07	-0.78	-1.28	-1.40	-0.74
Net Debt / FCF Ratio	-0.16	-0.16	1.65	2.11	-62.00	-8.11
Return on Equity (ROE)	1.94%	1.94%	1.67%	1.40%	1.13%	0.70%
Return on Assets (ROA)	0.13%	0.13%	0.13%	0.12%	0.10%	0.06%
Earnings Yield	16.95%	33.12%	26.57%	31.02%	17.03%	3.87%
FCF Yield	850.97%	838.81%	-892.37%	-1625.67%	43.78%	80.76%
Payout Ratio	49.55%	49.55%	61.72%	76.70%	96.26%	2.96%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.