Harbin Bank Co., Ltd. is a Hong Kong investment holding company mainly engaged in financial business. The company operates through four major divisions. The company's financial division provides financial products and services to corporate customers, including deposits, loans, settlement and other trade-related products and services. The Retail Finance Division provides financial products and services to individual customers, including deposits, credit and debit cards, consumer credit and mortgage loans, and personal asset management. The interbank finance division is engaged in interbank deposit and discount business, repurchase business, investment business and foreign exchange trading. Other business segments are engaged in other business and related business of assets, liabilities, income and expenditure.