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 ...

香港交易及結算所有限公司及香港聯合交易所有限公司對本通告的內容概不負責，對其準確性或完 整性亦不發表任何聲明，並明確表示，概不對因本通告全部或任何部分內容而產生或因倚賴該等內容而引 致的任何損失承擔任何責任。 BANK OF TIANJIN CO., LTD.* 天津銀行股份有限公司 * （於中華人民共和國註冊成立的股份有限公司） （股份代號：1578） 2024年度股東會通告 茲通告天津銀行股份有限公司*（「本行」）謹定於2025年4月17日（星期四）上午9 時30分假座天津銀行東樓辦公區（中國天津市河西區友誼路15號）舉行2024年度股東會 （「年度股東會」）。 本行股東將於年度股東會上審議及酌情批准下列決議案： 普通決議案 – 1 – 1. 審議及批准2024年度財務決算報告； 2. 審議及批准2024年度利潤分配方案； 3. 審議及批准2024年度董事會工作報告； 4. 審議及批准2024年度監事會工作報告； 5. 審議及批准2025年度財務預算； 6. 審議及批准聘請外部審計機構審閱及審計2025年財務報表； 7. 審議及批准2025年度投資計劃； 特別決議案 9. 審議及批准股東會對董事會的授權方 ...

( 於中華人民共和國註冊成立的股份有限公司 ) ( 股份代號 : 1578) 2 0 2 4 年度報告 * 天津銀行股份有限公司根據香港銀行業條例（香港法例第155章）並非一家認可機構，並非受限於香港金融管理局的監 督，及不獲授權在香港經營銀行及╱或接受存款業務。 1 天津銀行股份有限公司 年度報告2024 目 錄 | 釋義 | 2 | | --- | --- | | 公司簡介及基本情況 | 4 | | 戰略定位與企業文化 | 7 | | 2024年大事記 | 9 | | 榮譽獎項及重大媒體報道 | 12 | | 會計數據及財務指標概要 | 20 | | 董事長致辭 | 26 | | 行長致辭 | 29 | | 管理層討論與分析 | 32 | | 股本變動及股東資料 | 95 | | 董事、監事、高級管理人員及僱員 | 102 | | 公司治理報告 | 129 | | 董事會報告 | 160 | | 監事會報告 | 173 | | 重要事項 | 179 | | 獨立審計師報告 | 184 | | 財務報表 | 195 | | 未經審計補充財務信息 | 339 | | 分支機構一覽表 | 343 | 2 天津銀 ...

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. ...

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部分內容而產生或因倚 賴該等內容而引致的任何損失承擔任何責任。 BANK OF TIANJIN CO., LTD.* 天津銀行股份有限公司 * 2024年度業績公告 天津銀行股份有限公司*（「本行」）董事會（「董事會」）謹此宣佈本行截至2024年 12月31日止年度之經審計合併業績。本公告列載本行2024年度報告全文，並符合 香港聯合交易所有限公司證券上市規則中有關年度業績初步公告附載的資料之要 求。董事會及董事會轄下的審計委員會亦已審閱及確認經審計的年度業績。 發佈年度業績公告及年度報告 本業績公告的中英文版本可於香港交易及結算所有限公司的網站 ( www.hkexnews.hk )及本行網站( www.bankoftianjin.com )查閱。在對中英文版 本理解上發生歧義時，以中文為準。本行2024年度報告的印刷版本將會根據股 東需要寄發予本行H股股東，並可於其時在香港交易及結算所有限公司的網站 ( www.hkexnews.hk )及本行網站( www.b ...

天津銀行股份有限公司* ( 於中華人民共和國註冊成立的股份有限公司 ) ( 股份代號 : 1578) 2 0 2 4 中期報告 * 天津銀行股份有限公司根據香港銀行業條例（香港法例第155章）並非一家認可機構，並非受限於香港金融管理局的監督，及不 獲授權在香港經營銀行及╱或接受存款業務。 1 天津銀行股份有限公司 中期報告2024 釋義 2 公司簡介及基本情況 4 戰略定位與企業文化 7 榮譽獎項及重大媒體報道 8 會計數據及財務指標概要 14 管理層討論與分析 18 股本變動及股東資料 77 董事、監事、高級管理人員及僱員 82 重要事項 89 獨立審計師審閱報告 96 中期財務報表 97 未經審計補充財務信息 146 分支機構一覽表 149 目 錄 2 天津銀行股份有限公司 中期報告2024 釋義 在本中期報告中，除非文義另有所指，否則下列詞語具有如下涵義： | --- | --- | --- | |--------------------|-------|--------------------------------------------------------------------------- ...

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部分內容而產生或因倚 賴該等內容而引致的任何損失承擔任何責任。 BANK OF TIANJIN CO., LTD.* 天津銀行股份有限公司 * （於中華人民共和國註冊成立的股份有限公司） （股份代號：1578） 截至2024年6月30日止六個月中期業績公告 天津銀行股份有限公司*（「本行」）董事會（「董事會」）謹此宣佈本行及其子公司截 至2024年6月30日止六個月之未經審計合併中期業績。本公告列載本行2024年中 期報告全文，並符合《香港聯合交易所有限公司證券上市規則》中有關中期業績初 步公告附載的資料之要求。董事會及董事會轄下的審計委員會亦已審閱及確認有 關中期業績。 發布中期業績公告及中期報告 本業績公告的中英文版本可於香港交易及結算所有限公司的網站 ( www.hkexnews.hk )及本行網站( www.bankoftianjin.com )查閱。在對中英文版本 理解上發生歧義時，以中文為準。本行2024年中期報告的印刷版本將會隨後根據 股東需要寄發予本 ...

Financial Performance - Total assets of the company reached RMB 840.77 billion, a year-on-year increase of 10.5%[6] - Total liabilities amounted to RMB 775.74 billion, up 10.7% compared to the previous year[6] - Operating income for the year was RMB 16.46 billion, representing a 4.4% year-on-year growth[6] - Profit before tax stood at RMB 3.92 billion, an increase of 2.9% from the previous year[6] - Net profit reached RMB 3.77 billion, marking a 5.7% year-on-year growth[6] - Total assets increased by 10.5% to RMB 840.77 billion, with customer loans and advances growing by 17.4% to RMB 396.01 billion[26] - Total liabilities rose by 10.7% to RMB 775.74 billion, with customer deposits increasing by 13.3% to RMB 450.69 billion[26] - Net profit attributable to equity holders of the bank grew by 5.5% to RMB 3.76 billion, with basic and diluted earnings per share increasing by 5.1% to RMB 0.62[24] - Operating income increased to RMB 16.46 billion, up 4.4% year-on-year, with net profit rising to RMB 3.77 billion, up 5.7% year-on-year[32] - Total assets reached RMB 840.77 billion, a year-on-year increase of 10.5%[35] - Total liabilities amounted to RMB 775.74 billion, a year-on-year increase of 10.7%[35] - Operating income was RMB 16.46 billion, up 4.4% year-on-year[35] - Net profit reached RMB 3.77 billion, a year-on-year increase of 5.7%[35] - Total assets reached RMB 840.77 billion, a year-on-year increase of 10.5%, with loan balance at RMB 396.01 billion, up 17.4%[42] - Deposit balance increased to RMB 450.69 billion, a year-on-year growth of 13.3%[42] - Net profit rose to RMB 3.77 billion, a year-on-year increase of 5.7%[42] - Total assets increased by RMB 79.69 billion, a year-on-year increase of 10.5%, driven by increased credit to key sectors of the real economy[87] - Total assets increased by 11.4% to RMB 1,038.62 billion[125] Asset and Liability Structure - The company's registered capital was RMB 6.071 billion as of the end of 2023[6] - Domestic legal person shares accounted for 65.47% of the equity structure[6] - Domestic individual shares made up 5.46% of the equity structure[6] - H-shares represented 29.07% of the equity structure[6] - The company operates 218 business outlets nationwide, including 1 business department, 7 first-level branches, 6 second-level branches, and 6 central sub-branches[6] - Total assets of Tianjin Bank reached nearly 800 billion yuan in the first half of 2023, with both net interest margin and net interest spread increasing year-on-year[21] - Total assets increased by 10.5% to RMB 840.77 billion, with loan balance at RMB 396.01 billion, up 17.4% year-on-year[32] - Total deposits increased to RMB 450.69 billion, up 13.3% year-on-year, with corporate deposits at RMB 263.55 billion, up 6.5%, and personal deposits at RMB 165.80 billion, up 18.4%[33] - Loan balance in Tianjin region grew to RMB 236.73 billion, up 31.3% year-on-year, ranking first among financial institutions in Tianjin[33] - Green loan balance increased to RMB 24.35 billion, up 51.25% year-on-year, while loans to technology-based enterprises grew by 14.97%[33] - Total assets reached RMB 840.77 billion, a year-on-year increase of 10.5%, with loan balance at RMB 396.01 billion, up 17.4%[42] - Green loan balance surged to RMB 24.35 billion, a year-on-year growth of 51.25%[45] - Loans to technology-based enterprises increased by 14.97% year-on-year[43] - Inclusive small and micro enterprise loans grew to RMB 37.25 billion, up 26.01% year-on-year[45] - The "Smart Merchant" platform served nearly 1 million merchants, with daily transactions reaching 5.8 million users and 8 million transactions[45] - Interest income increased to RMB 31.21 billion, a year-on-year growth of 2.7%[46] - Pre-tax profit rose to RMB 3.92 billion, a year-on-year increase of 2.9%[46] - Net interest margin increased from 1.73% to 1.75% year-over-year, while net interest yield decreased from 1.70% to 1.65%[47] - Total interest income for 2023 was RMB 31.21 billion, an increase of RMB 830 million (2.7%) compared to the previous year, driven by a 2 basis point increase in the average yield of interest-earning assets to 4.52%[53] - Interest income from customer loans and advances increased by RMB 2.07 billion (10.5%) to RMB 21.84 billion, with the average balance rising by 11.6% to RMB 3,688.1 billion[54] - Interest income from investment securities and other financial assets decreased by RMB 1.09 billion (12.3%) to RMB 7.77 billion, with the average balance dropping by 4.4% to RMB 2,412.3 billion and the average yield falling by 29 basis points to 3.22%[55] - Interest income from receivables from banks and other financial institutions decreased by RMB 150 million (12.2%) to RMB 1.08 billion, with the average balance declining by 15.6% to RMB 337.2 billion[56] - Interest income from deposits with banks and other financial institutions decreased by RMB 5 million (24.5%) to RMB 15.4 million, with the average balance dropping by 38.4% to RMB 76.4 billion[57] - Interest income from deposits with the central bank remained stable at RMB 511.3 million, with a slight decrease of RMB 1 million (0.2%)[58] - Total interest expenses increased by RMB 880 million (4.6%) to RMB 19.79 billion, primarily due to a rise in the average balance of customer deposits[60] - The average balance of customer deposits increased to RMB 4,150.3 billion, with interest expenses rising to RMB 11.99 billion, reflecting a slight decrease in the average interest rate from 2.96% to 2.89%[49] - Customer deposit interest expenses increased by RMB 6.9 billion, a year-on-year increase of 6.1%, with the average balance of customer deposits rising by 8.7% to RMB 4,150.3 billion, while the average interest rate decreased by 7 basis points to 2.89%[61] - Interest expenses on deposits from other financial institutions increased by RMB 2.7 billion, a year-on-year increase of 26.7%, with the average balance rising by 12.8% to RMB 512.1 billion[62] - Interest expenses on bonds issued decreased by RMB 8.6 billion, a year-on-year decrease of 28.9%, with the average balance decreasing by 18.0% to RMB 804.7 billion and the average interest rate decreasing by 41 basis points to 2.63%[64] - Investment income increased by RMB 13.4 billion, a year-on-year increase of 84.6%, reaching RMB 29.3 billion[69] - Net fee and commission income decreased by RMB 1.2 billion, a year-on-year decrease of 6.9%, totaling RMB 15.7 billion[71] - Trading net loss decreased by RMB 4.4 billion, a year-on-year decrease of 54.6%, totaling RMB 3.6 billion[72] - Operating expenses increased by RMB 3.4 billion, a year-on-year increase of 7.7%, reaching RMB 47.9 billion, mainly due to increases in employee compensation and general administrative expenses[75] - Employee compensation expenses increased by RMB 1.7 billion, a year-on-year increase of 7.5%, totaling RMB 24.5 billion[76] - Taxes and surcharges increased by RMB 0.3 billion, a year-on-year increase of 13.1%, mainly due to the growth in interest income leading to higher VAT surcharges[78] - Office and rental expenses increased by RMB 0.7 billion, a year-on-year increase of 16.4%, primarily due to increased technology investments[78] - Other general operating and administrative expenses increased by RMB 1.0 billion, a year-on-year increase of 13.9%, mainly due to increased business activities and deposit insurance costs[79] - Depreciation and amortization decreased by RMB 0.3 billion, a year-on-year decrease of 3.3%, mainly due to some assets being fully depreciated[81] - Expected credit loss impairment increased by RMB 2.5 billion, a year-on-year increase of 3.3%, primarily due to increased provisions for risk coverage[82] - Income tax expenses decreased by RMB 0.9 billion, a year-on-year decrease of 37.8%, mainly due to an increase in tax-exempt income[84] - Corporate loans increased by RMB 89.02 billion, a year-on-year increase of 48.1%, reflecting the company's focus on supporting key economic sectors[90] - Short-term corporate loans decreased to 17.7% of total corporate loans, while medium- and long-term loans increased to 82.3% of total corporate loans, reflecting a shift in loan structure[92] - Total corporate loans increased by 48.1% to RMB 274.02 billion, with medium- and long-term loans growing by 60.8% to RMB 225.40 billion[92] - Working capital loans increased by 41.0% to RMB 124.75 billion, driven by increased credit support for production and operational activities[93][94] - Fixed asset loans grew by 46.4% to RMB 101.98 billion, primarily due to increased credit support for project construction[93][94] - Trade financing surged by 117.0% to RMB 7.60 billion, reflecting higher customer financing demand[93][94] - Other corporate loans, including M&A and factoring, increased by 69.7% to RMB 39.70 billion[93][94] - Personal loans decreased by 10.1% to RMB 110.59 billion, with personal consumption loans dropping by 21.6% to RMB 48.45 billion[96][97] - Personal business loans increased by 11.8% to RMB 37.43 billion, supported by targeted credit products for individual businesses[97] - Housing mortgage loans declined by 11.0% to RMB 24.70 billion, impacted by weak housing market demand and increased prepayments[98] - Investment securities and other financial assets grew by 7.2% to RMB 346.67 billion, driven by increased investment in standardized bonds[100] - Total investment securities and other financial assets increased by 7.2% to RMB 346.6685 billion, with bonds accounting for 69.7% of the total[101] - Bonds measured at amortized cost decreased by 4.5% to RMB 141.7669 billion, while bonds measured at fair value through other comprehensive income increased by 35.9% to RMB 88.8632 billion[101] - Funds increased significantly by 92.7% to RMB 40.5794 billion, reflecting a strategic shift in asset allocation[101] - Asset management plans and trust plans decreased by 16.1% to RMB 48.4913 billion, indicating a reduction in non-standard credit assets[101] - The bank's bond holdings increased by 9.8% to RMB 242.2102 billion, with a notable 18.5% increase in bonds issued by Chinese public entities and policy banks[102] - Government bonds increased by 4.4% to RMB 81.2346 billion, while corporate bonds saw a significant 21.2% increase to RMB 53.2618 billion[102] - Financial assets measured at fair value through profit or loss increased by 23.3% to RMB 93.9179 billion, reflecting a more active trading strategy[104] - Reverse repurchase financial assets decreased by 30.6% to RMB 7.6688 billion, as the bank adjusted its asset structure[106] - Cash and deposits with central banks increased by 5.1% to RMB 45.09 billion, indicating improved liquidity management[107] - Customer deposits increased by RMB 52.92 billion (13.3%) to RMB 450.69 billion, driven by the company's focus on deposit growth strategies[111][112] - Corporate deposits grew by RMB 16.07 billion (6.5%) to RMB 263.55 billion, with a significant increase in demand deposits (14.3%)[113][114] - Personal deposits rose by RMB 25.76 billion (18.4%) to RMB 165.80 billion, supported by optimized financial resource allocation and marketing strategies[113][114] - Interbank and other financial institution deposits surged by RMB 16.97 billion (40.3%) to RMB 590.44 billion, reflecting adjustments in liability structure[116] - Central bank borrowings increased by RMB 16.40 billion (26.5%) to RMB 782.01 billion, leveraging policy support tools[120] - Issued bonds decreased by RMB 10.19 billion (10.9%) to RMB 832.86 billion due to adjustments in liability business structure[115] - Total liabilities grew by RMB 75.28 billion (10.7%) to RMB 7,757.42 billion, primarily driven by customer deposit growth[110][111] - Derivative financial assets increased by RMB 24 million (41.0%) to RMB 83 million, influenced by market volatility[108] - Other assets decreased by RMB 1.45 billion (10.7%) to RMB 12.12 billion, mainly due to a reduction in other receivables[108] - Derivative financial liabilities dropped by RMB 57 million (94.7%) to RMB 3 million, affected by market fluctuations[121] - Other liabilities increased by RMB 5.6 billion, a 9.7% increase, mainly due to an increase in settlement payables[122] - Shareholders' equity reached RMB 65.03 billion, a 7.3% increase from the previous year, driven by an increase in undistributed profits[124] - Unused corporate loan limits increased by 43.8% to RMB 26.22 billion[126] - Normal loans accounted for 95.31% of total loans, an increase of RMB 63.49 billion from the previous year[128] - Non-performing loans (NPL) increased by RMB 520 million, but the NPL ratio decreased by 0.14 percentage points to 1.67%[128] - Corporate loans in the leasing and business services sector increased by 58.5% to RMB 85.27 billion[131] - Corporate loans in the water conservancy, environment, and public facilities management sector increased by 84.7% to RMB 31.19 billion[131] - Corporate loans in the financial sector increased by 97.6% to RMB 16.06 billion[131] - Corporate loans in the scientific research and technical services sector increased by 584.2% to RMB 11.81 billion[131] - The company's corporate loan balance for the top five industries (leasing and business services, water conservancy and public facilities management, real estate, construction, and wholesale and retail) reached RMB 203.57 billion, accounting for 74.3% of total corporate loans and advances[133] - The non-performing loan (NPL) ratio for corporate clients decreased to 1.49%, down by 0.61 percentage points compared to the previous year-end[138] - The NPL ratio for the wholesale and retail industry decreased by 2.26 percentage points to 4.69%, while its share of total corporate NPLs increased to 29.4%[138] - The NPL ratio for the manufacturing industry increased to 4.96%, with its share of total corporate NPLs rising to 23.8%[138] - The NPL ratio for the real estate industry decreased significantly by 4.91 percentage points to 1.09%, with its share of total corporate NPLs dropping to 8.2%[138] - The total corporate NPL amount decreased to RMB 40.97 billion, with the top five industries contributing 83.5% of the total[135] - The NPL ratio for personal loans increased to 2.46%, up by 0.51 percentage points compared to the previous year-end[140] - The NPL ratio for working capital loans decreased slightly to 2.44%, while its share of total NPLs increased to 44.6%[140] - The NPL ratio for fixed asset loans decreased significantly by 1.23 percentage points to 0.65%, with its share of total NPLs dropping to 9.7%[140] - Non-performing loans (NPL) totaled RMB 6,815.8 million, with a NPL ratio of 1.67%, a decrease of 0.14 percentage points compared to the previous year[144] - Total customer loans and advances reached RMB 407,450.5 million, a 17.3% increase from the previous year, with guaranteed loans showing the highest growth at 77.9%[147] - The loan concentration ratio for the largest single borrower was 4.85%, down from 6.80% in the previous year, indicating improved risk diversification[148] - The top ten single borrowers accounted for RMB 35,075.7 million in loans, representing 8.61% of the total loan portfolio[151] - Overdue loans decreased by 12.3% to RMB 8,938.9 million, with the largest reduction in loans overdue for 1 to 3 years, which fell by 60.0%[154] - Loan impairment provisions increased by 14.1% to RMB 11,441.3 million, reflecting the company's efforts to strengthen risk coverage[156] - The net