6月12日，第三届天津国际航运产业博览会在国家会展中心（天津）盛大开幕。作为金融支持航运产业发展的重要力量，天津银行"盛装"亮相，通过场景化 展陈、沉浸式互动与专业化服务，全方位呈现其在航运金融领域的创新成果与战略布局，现场专业团队的深入讲解更让参观者感受到天津银行服务航运产业 的深厚底蕴与卓越实力。 本次天津银行展位以超300平方米的规模打造五大功能专区，系统化展现"港口+产业+城市"深度融合的金融解决方案，共设航运金融宣传区、五篇大文章宣 传区、互动区、服务台及接待洽谈区五大功能区，涵盖金融服务成果展示和金融产品矩阵宣传。 展会现场，天津银行打造的互动区与服务台别出心裁，成为人气打卡地。航运金融主题VR游戏以沉浸式体验带观众探索金融科技魅力，划船机融合绿色低 碳理念，盲盒抽奖增添趣味互动，多元活动吸引现场观众竞相参与。接待洽谈区则打造专业化服务空间，为客户提供业务咨询、便捷开卡、精准投资理财等 一站式服务，以细致入微的服务举措持续提升客户体验新高度。 近年来，天津银行紧扣港产城融合发展脉搏，深化与国企战略合作，升级 "智慧贸易通" 产品矩阵，创新推出"天行易汇"、"智慧运费通"智能化跨境金融产 品，依托全 ...

"天津银行收款 15 元"。在济南环联夜市的中心区域，一场热闹非凡的消费狂欢正悄然拉开帷幕。 当传统端午佳节遇上充满童趣的六一，会擦出怎样璀璨的火花？5月30日天津银行济南分行走进有着"江北第一夜市"之称的 济南环联夜市，拉开"'五'彩过端午·'六'艺闹童真"活动序幕，现场为游客发放满 15 元立减 6.1 元消费券，适用范围覆盖环联 夜市 80%以上的商户。该活动极大地激发了游客的消费动机，领用消费券后纷纷在夜市各个摊位，用消费券选购心仪商 品。活动首日，天津银行济南分行现场共接待咨询客户近1500人次，发放消费券近1300余张。通过该项活动，间接带动环 联夜市"智慧商户通"商户交易笔数1.97万笔。 进入五月，随着省内消费热度持续回升，天津银行济南分行积极响应政府"扩内需""促消费"的号召，多措并举拉动消费增 长，先后在泉城公园、和瑞广场等当地热门商圈开展活动。此次在环联夜市发放消费券，再次为济南消费市场注入活力， 吸引众多市民和外地游客参与，有效提升夜市客流量与商户销售额，助力消费增长、商户增收。 "天津银行的收款码很好用，费率低、到账快；银行工作人员服务态度很好，我们有什么疑问都会耐心解答，协调帮助解 ...

5月23日，天津银行成功举办"构建生态圈 建设银港湾"养老金融联盟成立仪式暨养老金融电台专题栏目启播仪式，与10家单位构建养老金融联盟。市委金融 工委、市民政局、市国资委、中国人民银行天津市分行，天津海河传媒中心、南开大学金融学院有关同志与联盟成员共同启动养老金融联盟成立仪式，标志 着天津养老金融服务实现新跨越。 养老金融关乎民生福祉，关乎社会和谐。天津银行扎实写好金融"五篇大文章"，践行"四个善作善成"重要要求，探索"内构发展能力、外构发展资源、重构 发展机制"发展路径，以金融之笔描绘"最美夕阳红"。 近年来，天津银行升级"金秋港湾"养老金融服务品牌，打造"专属"产品、"专业"服务、"专注"资源、"专策"支持、"专项"调研、"专有"教育在内的"六专"服 务体系，不断强化"研究基因"和"科技基因"，深化养老产业领域的合作，借助金融活水培育"银发经济"，打造"津味"养老金融服务。 天津银行秉承"联起来、活起来、融起来"的理念，此次联合医疗康养、金融保险、旅游休闲、智能服务、法律咨询、媒体电台等六大板块，携手天津市健康 养老集团、天津中医药大学第一附属医院，深化老年医疗健康资源整合；联合太平养老保险、北方国际信托 ...

央广网北京5月8日消息 2024年，天津银行以"四个善作善成"重要要求为行动纲领，深入贯彻中央金融 工作会议"八个坚持"要求，将金融支持港产城融合发展推向新高度。全年向天津市港口经济及国资国企 外贸领域融资投放同比增长20.82%，向航运物流企业融资投放同比增长129%，以金融活水精准浇灌实 体经济，书写出一份高质量发展的"精彩答卷"。 面对外贸新形势，天津银行加快产品迭代步伐。在2024天津国际航运产业博览会上重磅发布两大服务方 案。《"智慧贸易通"金融服务方案》通过全流程线上化服务内外贸易企业客户，让"收付更轻松、融资 更便捷"；《天津银行航运金融综合服务方案》，以打造"股、债、贷、基、租、保"多元化接力式、综 合服务模式，重点围绕航运支付结算、航运信贷融资、航运综合服务三大板块，提供跨境结算、跨境贸 易融资、银团贷款、融资租赁在内的多样化产品，能够满足港口经济、航运物流、进出口等多元化场 景。针对船舶融资租赁推出预付款保函增信模式，成功助力天津某租赁有限公司突破交易壁垒，采购专 用船舶设备，为航运产业升级注入"催化剂"。 该行还积极响应外汇便利化政策，在外汇局天津市分局指导下完成首笔外商投资再投资免登记 ...

天津银行秉持"支付为民"初心，将营业网点升级为现金服务"主阵地"，在厅堂网点等候区创新推出"零钱包"惠民服务，通过精准调研周边客户需求，设计 500元、300元标准面额包及个性化定制选项，同步提供可个性化定制金额零钱包，配以环保纸质信封与便携塑料收纳袋，满足多元支付场景，截至目前已发 放零钱包3.39万个。营业期间，大堂经理化身"金融向导"，利用业务办理间隙开展"微课堂"，不仅发放零钱包，更手把手传授现金收纳技巧，客户直呼"贴心 又实用"。这一举措让等待时间转化为金融知识普及的"黄金时段"，让服务窗口延伸为民生关怀的"暖心驿站"。 央广网北京4月9日消息 天津银行积极贯彻落实国务院办公厅《关于进一步优化支付服务 提升支付便利性的意见》各项部署，立足满足多样化支付需求，在 优化现金使用环境领域频出实招。从网点适老化改造到倡导商户不拒收现金，从零钱包创新推广到现金知识进校园进社区，该行正以金融活水浇灌民生沃 土，用支付暖阳守护传统服务温度，全力构建"敢用现金、会用现金、安心用现金"的良性生态，让小小纸币托起百姓大大的幸福获得感。 织密网格化网络，筑牢现金使用"保障网" 以网点为阵地，打造现金支付"暖心站" 依托广 ...

出品|WEMONEY研究室 林见微 作为中国四大直辖市城商行之一，天津银行近日发布2024年成绩单。从数据来看：其总资产和贷款规模分别增长了10.1%和11.3%，但营业收入增长1.5%， 归母净利润增长1.1%，至38亿元。 年报数据折射出这家区域性银行在利率市场化与数字化转型浪潮中的艰难突围。当传统存贷利差持续收窄，与京东集团联手押注消费金融，能否成为其突破 增长瓶颈的关键支点？ 01 资产扩张与盈利疲软的剪刀差 | | | 截至12月31日止年度 | | | | | --- | --- | --- | --- | --- | --- | | | | 2024年頭 | | | | | | | 2023年之間 | | | | | | 2024年 2023年 | 的同比變動 | 2022年 | 2021年 | 2020年 | | | | (除另有註明外,金額單位均為人民幣千元) | | | | | | | 雙動比率(%) | | | | | 税前利潤 | 4,202,919 3,920,121 | 7.2 | 3,809,559 | 3,441,743 | 5,035,084 | | 所得税費用 | (373 ...

中国经济网北京3月28日讯 天津银行（01578.HK）日前发布2024年度业绩公告。2024年，天津银行实现 营业收入167.09亿元，同比增长1.5%；归属于本行权益持有人的净利润38.02亿元，同比增长1.1%。 2022年和2023年，天津银行分别实现营业收入157.59亿元、164.56亿元，分别较上年同期变动-10.9%、 4.4%；归属于本行权益持有人的净利润分别为35.65亿元、37.60亿元，分别较上年同期增长11.5%、 5.5%。 2023年和2024年，天津银行的业绩连升两年，但天津银行2024年的净利增速仅为2022年的十分之一。 2023年5月11日，董事会收到孙利国的辞职申请，由于其到龄退休辞去该行董事长及执行董事、董事会 发展战略委员会主任委员、董事会提名与薪酬委员会委员、董事会普惠金融发展和消费者权益保护委员 会委员及根据香港上市规则第3.05条委任之授权代表等职务，其辞任自2023年5月11日生效。 于2023年7月24日，董事会选举于建忠为该行第七届董事会董事长，相关任职将自获得监管机构核准后 生效。于建忠担任该行董事长的任职资格已于2023年8月28日获国家金融监督管理 ...

Annual General Meeting Details - The annual general meeting of Bank of Tianjin is scheduled for April 17, 2025, at 9:30 AM[3] - The bank will suspend share transfer registration from April 11 to April 17, 2025, to determine eligible shareholders for the meeting[16] - Voting results from the annual general meeting will be published on the bank's website and the Hong Kong Stock Exchange website[17] Financial Statements and Plans - Shareholders will review and approve the 2024 financial statements and profit distribution plan[5] - The 2025 financial budget will be discussed and approved during the meeting[5] - The bank plans to appoint external auditors for the 2025 financial statements[5] - The bank will present its 2025 investment plan for shareholder approval[5] Board and Management Reports - The board of directors' work report for 2024 will be presented for approval[5] - The meeting will include a review of the performance evaluation reports for the board and senior management for 2024[11] - The meeting will address the re-election and appointment of directors for the eighth board[8]

Financial Performance - As of the end of 2024, the total assets of Tianjin Bank amounted to RMB 925.99 billion, an increase of 10.1% compared to the previous year[7] - The total liabilities reached RMB 856.58 billion, reflecting a growth of 10.4% year-on-year[7] - Operating income for the year was RMB 16.71 billion, representing a year-on-year increase of 1.5%[7] - The total profit amounted to RMB 4.20 billion, which is a 7.2% increase compared to the previous year[7] - Net profit for the year was RMB 3.83 billion, showing a year-on-year growth of 1.6%[7] - Interest income for 2024 was RMB 30,985,203, a decrease of 0.7% compared to RMB 31,212,336 in 2023[40] - Net interest income decreased by 0.9% to RMB 11,314,309 from RMB 11,420,370 in 2023[40] - Investment income fell by 11.1% to RMB 2,601,463 from RMB 2,926,224 in 2023[40] - The bank's net interest margin decreased from 1.75% to 1.55%, and net interest yield fell from 1.65% to 1.47%[73] - The cost-to-income ratio (excluding taxes and surcharges) rose to 28.23%, an increase of 0.55 percentage points year-on-year[102] Market Position and Recognition - Tianjin Bank ranked 186th in the 2024 Global Bank Rankings by The Banker, improving by 5 positions from the previous year[6] - The bank was recognized as the top underwriter for credit bonds in Tianjin and ranked fourth nationally for asset-backed securities underwriting among city commercial banks[6] - The bank's social influence has increased, being selected for the State-owned Assets Supervision and Administration Commission's "Top 100 Social Responsibility Index (2024)" at 48th nationally and 3rd in Tianjin[6] - The company ranked 186th in the "Top 1000 World Banks" by The Banker magazine, improving by 5 places year-on-year[26] - The company received 134 external honors, including the "Financial Technology Development Award" from the People's Bank of China[54] Strategic Initiatives and Innovations - The bank aims to enhance its core competitiveness and service capabilities through strategic opportunities in the Beijing-Tianjin-Hebei coordinated development[13] - The company signed a strategic cooperation agreement with iFlytek on November 13, enhancing its technological capabilities[20] - The company established the "Tianjin Bank Postdoctoral Innovation and Entrepreneurship Fund" on December 24 to support innovation[24] - The company launched the "Smart Inclusive Finance" product, focusing on digital inclusive finance, with over 11 million daily transactions in the Tianjin area, enhancing urban economic activity[56] - The company plans to deepen reforms and enhance its "research gene" and "technology gene" to drive sustainable development and high-quality economic growth by 2025[59] Customer and Loan Growth - Customer loans and advances rose by 11.3% to RMB 440,779,383 from RMB 396,009,202 in 2023[43] - The bank's total customer loans and advances increased by 21.9% year-on-year, with corporate loans reaching RMB 333.99 billion[192] - The bank's personal banking revenue decreased by 18.0% year-on-year, totaling RMB 43.564 billion[191] - The bank's retail business saw a 19.2% increase in personal deposit scale compared to the beginning of the year[67] - Customer deposits reached RMB 500.96 billion, up RMB 50.27 billion or 11.2% year-over-year, driven by enhanced deposit marketing efforts[145] Risk Management and Asset Quality - The non-performing loan ratio remained stable at 1.70%[45] - The bank's non-performing loan ratio and risk management capabilities have shown continuous improvement[50] - The impairment losses decreased to RMB 7.58 billion, a reduction of RMB 0.19 billion or 2.4% compared to the same period last year, due to improved asset recovery efforts[113] - The bank's loan impairment loss provision at the end of the reporting period was RMB 12.88 billion, an increase of RMB 1.44 billion or 12.5% compared to the previous year[187] - The overdue loans totaled RMB 12.689 billion, representing 2.80% of the total customer loans, which is an increase of 42.0% from the previous year[186] Community and Social Responsibility - The company conducted over 6,000 online and offline financial education activities throughout the year, promoting consumer rights protection[59] - The company is focused on expanding its market presence and enhancing its product matrix in smart tourism, smart living, and smart community sectors[56] - The company deepened cooperation with local governments and institutions to support the development of elderly finance and digital healthcare systems[195] - The company was recognized as a "Pioneer in Social Responsibility" by the State-owned Assets Supervision and Administration Commission, ranking 48th[26] - The company’s credit commitments increased significantly to RMB 100.2 million, a rise of RMB 236.8 million or 173.4% compared to the previous year[112]

3月20日晚间，天津银行发布2024年度业绩公告。数据显示，截至2024年末，天津银行资产总额为 9259.9亿元，较上年末增长10.1%；负债总额为8565.8亿元，较上年末增长10.4%。盈利能力方面，2024 年，天津银行实现营业收入167.1亿元，同比增长1.5%；归属本行权益持有人的本年利润（以下简称"归 母净利润"）为38.02亿元，同比增长1.1%。 从收入结构看，2024年，天津银行利息收入为309.9亿元，较上年同期减少2.3亿元，同比下降0.7%；生 息资产平均收益率4.03%，同比减少49个基点。天津银行表示，主要原因是该行坚持回归本源，响应国 家降低实体经济融资成本的政策导向，加大对实体经济重点领域信贷投放，提升对实体经济支持力度， 生息资产收益率下降。 非利息收入中，该行去年手续费及佣金净收入为16.8亿元，较上年同期增加1.1亿元，同比增加6.9%。 其中手续费及佣金收入为22.1亿元，同比增加5.9%，主要原因是结算及清算手续费增加；手续费及佣金 支出为5.3亿元，同比增加2.9%，基本保持稳定。 值得注意的是，天津银行的投资收益明显下滑。年报显示，2024年该行投资收益为26. ...