低利率时代，"存五年不如存一年"愈发常见。 作为商业银行最为普遍的揽储工具，一直以来，定期存款以保本保息等特点受到储户们的欢迎。在此前，定期存款的期限越久，往往银行设置的年化利率越高，这 也意味着，储户将获得更多的利息收入。 然而，随着银行业息差向窄、经营承压，去年以来，存款利率历经几番下调后已进入"1"时代。更值得关注的是，定期存款存得越久、拿得越多的"铁律"也不再适 用。 5月12日，天津银行发布调整海鸥存及幸福存单产品利率的公告显示，5月13日起，该行海鸥存产品2年期、3年期、5年期年化利率分别为1.8%、2%、1.75%，其 中，2年期海鸥存年化利率较未调整前上调5个基点，3年期、5年期则分别较调整前下调5个、30个基点。 券商中国记者对比发现，5年期海鸥存产品的年利率不仅下调幅度较大，且下调后年化利率已低于同产品的2年期利率。 中小银行利率倒挂 | 产品名称 | 产品期限 | 起存金额 | | 产品利率 | | --- | --- | --- | --- | --- | | | | | 调整前 | 调整后 | | 海鸥存 | 3个月 | 1万元 | 1.35% | 1.35% | | | 6个月 | ...

Core Insights - In 2024, Tianjin Bank aims to enhance financial support for the integration of port, industry, and city development, achieving a year-on-year financing increase of 20.82% in the port economy and 129% in shipping logistics [1][2] Group 1: Financial Support and Innovation - Tianjin Bank has deepened strategic cooperation with state-owned enterprises, underwriting 3 billion yuan in short-term financing bonds for Tianjin Port, enhancing port unloading capacity and project construction [2] - The bank launched the "Shipping Theme Bond Basket," which includes bonds from Tianjin Port Group, achieving 30 million yuan in trading on the first day, improving market liquidity and facilitating green and intelligent transformation [2] - A tailored 515 million yuan eco-environmental development loan was provided to South Port Ecological Industry Development Co., demonstrating a dual enhancement of economic and environmental benefits [2] Group 2: Product Development and Services - Tianjin Bank introduced two major service solutions at the 2024 Tianjin International Shipping Industry Expo, including the "Smart Trade Pass" for streamlined online services and a comprehensive shipping financial service plan [3] - The bank's diverse service model encompasses cross-border settlement, trade financing, syndicate loans, and leasing, catering to various scenarios in port economy and shipping logistics [3] - A prepayment guarantee model was successfully implemented for ship financing, aiding a leasing company in acquiring specialized ship equipment [3] Group 3: Cross-Border Financial Services - Tianjin Bank supports the "Belt and Road" initiative by providing a 1.1 million USD cross-border prepayment guarantee for a Southeast Asian submarine cable project and facilitating 7.52 billion USD in cross-border transaction settlements [4] - The bank participated in cross-border syndicate loans, investing nearly 9 million USD in projects along the Belt and Road, promoting Chinese technology abroad [4] - The bank is committed to enhancing its digital transformation, utilizing big data risk control and intelligent supply chain finance to support the integration of port, industry, and city development [4]

Core Insights - The four municipalities in China—Beijing, Shanghai, Tianjin, and Chongqing—play a crucial role in the country's economic development and face various challenges amid economic restructuring and competitive pressures [1][19][20] - Beijing Bank, once a leader among city commercial banks, is experiencing stagnation in profit growth and increased competition from peers like Jiangsu Bank and Ningbo Bank [2][3][19] - Shanghai Bank is struggling with declining net interest income and has seen its ranking drop among city commercial banks, despite a notable increase in non-interest income [7][8][19] - Chongqing Bank shows potential for growth with a significant increase in total assets, but it faces challenges related to its business structure, heavily weighted towards corporate loans [12][19] - Tianjin Bank's performance is inconsistent, with significant fluctuations in profits and a declining personal loan portfolio, raising concerns about its future stability [15][19][20] Summary by Company Beijing Bank - As of December 2024, Beijing Bank's total assets reached 42,215.42 billion yuan, a 12.61% increase year-on-year, but net profit growth has slowed to 0.81% [2][19] - The bank's net interest margin has decreased from 1.95% in 2019 to 1.47% in 2024, indicating challenges in profitability [3][19] - The bank is exploring diversification into children's financial services, with over 2 million child financial clients [4][19] Shanghai Bank - Shanghai Bank reported total assets of 32,266.56 billion yuan as of December 2024, with a 4.6% year-on-year increase [7][19] - The bank's net interest income fell by 7.62% in 2024, leading to a net interest margin of only 1.17%, below the industry average [8][19] - Non-interest income grew significantly, with investment income increasing by 94.42% in 2024, highlighting the bank's adaptability in financial markets [9][19] Chongqing Bank - Chongqing Bank's total assets reached 8,566.42 billion yuan, a 12.73% increase year-on-year, marking the highest growth rate since 2018 [12][19] - The bank's loan structure is heavily skewed towards corporate loans, with retail loan growth lagging at only 2.81% [12][19] - The bank's net interest margin was reported at 1.35%, indicating a need for improvement in profitability [13][19] Tianjin Bank - Tianjin Bank's total assets were 9,259.94 billion yuan as of December 2024, a 10.1% increase, but its net profit growth was only 1.1% [15][19] - The bank's personal consumption loan portfolio has declined significantly over the past five years, raising concerns about asset quality [17][19] - The bank's capital adequacy ratios have also decreased, indicating potential challenges in maintaining financial stability [18][19]

Core Viewpoint - Tianjin Bank is actively implementing the State Council's directives to optimize payment services and enhance payment convenience, focusing on creating a supportive environment for cash usage and promoting a positive cash payment ecosystem [1] Group 1: Cash Payment Initiatives - Tianjin Bank has upgraded its branches to serve as "warm stations" for cash services, introducing a "零钱包" (small change bag) service tailored to customer needs, with 33,900 bags distributed so far [2] - The bank's lobby managers conduct "micro-classes" to educate customers on cash management while distributing the small change bags, transforming waiting times into opportunities for financial knowledge dissemination [2] Group 2: Community Engagement and Support - The bank extends its cash services to local businesses, advocating for cash acceptance and providing educational resources, including over 1,000 "support cash payment" stickers and encouraging 1,400 merchants to sign a commitment against refusing cash [5] - Initiatives targeting the elderly and students include cash knowledge workshops in collaboration with local universities, aiming to educate these groups on cash handling and financial safety [5] Group 3: Future Plans - Tianjin Bank plans to continue its diverse cash promotion activities to enhance public awareness and confidence in financial services, contributing to a secure and harmonious cash payment environment [5]

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. ...

Financial Performance - As of the end of 2024, Bank of Tianjin's total assets reached RMB 926.99 billion, an increase of 10.1% compared to the previous year[9]. - The total liabilities amounted to RMB 856.58 billion, reflecting a growth of 10.4% year-on-year[9]. - The operating income for the year was RMB 16.71 billion, representing a year-on-year increase of 1.5%[9]. - The total profit reached RMB 4.20 billion, which is a 7.2% increase compared to the previous year[9]. - The net profit was RMB 3.83 billion, showing a year-on-year growth of 1.6%[9]. - Interest income for 2024 was RMB 30,985,203 thousand, a decrease of 0.7% compared to RMB 31,212,336 thousand in 2023[42]. - Net interest income decreased by 0.9% to RMB 11,314,309 thousand from RMB 11,420,370 thousand in 2023[42]. - Investment income fell by 11.1% to RMB 2,601,463 thousand compared to 2,926,224 thousand in 2023[42]. - Pre-tax profit rose by 7.2% to RMB 4,202,919 thousand from RMB 3,920,121 thousand in 2023[44]. - Net profit attributable to equity holders increased by 1.1% to RMB 3,801,630 thousand from RMB 3,759,899 thousand in 2023[44]. - Basic and diluted earnings per share for 2024 was RMB 0.63, up 1.6% from RMB 0.62 in 2023[44]. - The bank's total operating income for 2024 was RMB 16.71 billion, a 1.5% increase from RMB 16.46 billion in 2023[194]. Asset and Liability Management - Total assets increased by 10.1% to RMB 925,993,655,000 compared to RMB 840,771,460,000 in 2023[45]. - Total liabilities grew by 10.4% to RMB 856,583,512,000, up from RMB 775,741,804,000 in 2023[45]. - Customer loans and advances rose by 11.3% to RMB 440,779,383,000 from RMB 396,009,202,000 in 2023[45]. - Customer deposits increased by 11.2% to RMB 500,957,014,000 compared to RMB 450,686,381,000 in 2023[45]. - The liquidity ratio improved significantly to 60.54%, up from 50.03% in 2023[48]. - The bank's total equity reached RMB 69.41 billion, an increase of RMB 4.38 billion or 6.7% compared to the previous year, primarily due to an increase in undistributed profits[162]. Loan and Deposit Growth - Corporate loan balance increased by 21.9% to RMB 333.991 billion[68]. - Retail business saw a 19.2% growth in personal deposits compared to the beginning of the year[69]. - The balance of loans for technology innovation enterprises reached RMB 16.051 billion, an increase of 21.64% compared to the end of the previous year[71]. - The balance of green loans was RMB 34.406 billion, growing by 41.30% year-on-year, while green financing leasing reached RMB 3.819 billion, up 89.06%[71]. - The total amount of customer loans and advances reached RMB 453,655.5 million, reflecting an 11.3% increase from RMB 407,450.5 million in the previous year[166]. Risk Management and Asset Quality - Non-performing loan ratio remained stable at 1.70%, unchanged from 2023[47]. - The bank's risk management system was enhanced, focusing on asset lifecycle management and credit risk management, improving overall asset quality[59]. - The non-performing loan ratio at the end of 2024 was 1.68%, up from 1.67% at the end of 2023, with non-performing loans amounting to RMB 12.88 billion, reflecting a 12.5% increase[191]. - The bank's loan impairment loss provision at the end of the reporting period was RMB 12.88 billion, an increase of RMB 1.43 billion or 12.5% compared to the end of the previous year, due to increased provisioning efforts[190]. Awards and Recognition - Bank of Tianjin ranked 186th in the 2024 Global Bank Rankings by The Banker, improving by 5 positions from the previous year[8]. - The bank was recognized as the top in total deposits in Tianjin and ranked fourth in loan balances within the region[8]. - The bank has received 134 external honors, including awards for financial technology development and best mobile banking operations[8]. - The bank was awarded the "Best Supply Chain Financial Technology Innovation Bank" at the 2024 Future Transaction Banking International Summit[30]. - Tianjin Bank's wealth management product "Hongding Wealth - 15-Month Open Net Value Type 2" won the "Golden Bull Award" for bank wealth management products in 2024[30]. Strategic Initiatives - Bank of Tianjin actively promotes strategies for development, focusing on enhancing core competitiveness and expanding service capabilities[8]. - The bank signed a strategic cooperation agreement with 11 state-owned enterprises in Tianjin on April 10[19]. - The bank established the "Tianjin Bank Postdoctoral Innovation and Entrepreneurship Fund" on December 24[26]. - The bank's strategic cooperation with iFLYTEK was signed on November 13, enhancing its technological capabilities[22]. - The bank aims to strengthen its development resources and expand its service ecosystem in response to market trends[15]. Digital Transformation and Innovation - The bank achieved a significant increase in digital financial services, with over 11 million daily transactions in the "Tianjin Bank Collection" service[58]. - The corporate online banking customer base increased by 13.70% compared to the end of the previous year[200]. - The transaction amount for the year saw a year-on-year increase of 40.53%[200]. - The corporate mobile banking platform was awarded the "2024 Digital Finance Gold List - Best Operating Award for Corporate Mobile Banking"[200]. - The bank is actively developing value-added services for small and medium-sized enterprises, focusing on integrated financial and non-financial needs[200].