Core Viewpoint - The A-share bank IPO market has been "frozen" for over four years, with only 31 banks attempting to go public, and only 5 currently in the queue, indicating deep-rooted challenges in the banking sector [1][4]. Group 1: IPO Market Status - Since the listing of Lanzhou Bank in 2022, the A-share bank IPO market has seen a significant slowdown, with only 5 banks entering the queue, including Huzhou Bank in the "inquiry" stage and 4 others "accepted" [1][4]. - Five banks, including Bozhou Yaodu Rural Commercial Bank, have voluntarily withdrawn their IPO applications, reflecting the difficulties faced in the current market environment [1][4]. Group 2: Structural Challenges - The primary obstacle to bank IPOs is related to equity issues, with several banks facing complex historical problems, such as Jiangnan Rural Commercial Bank's employee shareholding exceeding 500,000 shares, which has remained unresolved for six years [3]. - Regional distribution shows a concentration of banks from Zhejiang (4), Jiangsu (3), Guangdong (2), Hubei (2), and Anhui (2), indicating a geographical bias in the IPO pipeline [3]. Group 3: Regulatory Environment - The withdrawal of applications by banks like Yaodu Rural Commercial Bank and Guangzhou Bank in 2024 highlights the stringent regulatory environment, with banks facing complex equity structures and internal control deficiencies [4]. - The path for already listed banks to return to A-shares is also fraught with challenges, as seen with Huishang Bank and Tianjin Bank, which face governance and regulatory hurdles [4]. Group 4: Future Outlook - The stagnation of A-share bank IPOs is a result of financial supply-side reforms aimed at preventing systemic financial risks, leading to higher listing thresholds that compel banks to strengthen their capital bases and governance [5]. - Banks that address historical issues and improve governance may find renewed recognition in the capital markets as economic recovery and regulatory policy optimization occur [5].

Core Insights - The sales of Shawo radish have seen a significant increase, with market prices also rising, indicating a positive trend in production and revenue for local farmers [1] - The planting area for Shawo radish in Xinkou Town is projected to reach 8,100 acres by 2025, with an expected total output of 70 million pounds, reflecting an expansion in scale and improvement in quality [1][3] Financial Support and Expansion - Financial backing has enabled the rapid expansion of Shawo radish cultivation, with Tianjin Rural Commercial Bank providing nearly 70 million yuan in agricultural loans to support greenhouse construction and equipment procurement [1][2] - The bank's "New Good Easy Loan" product has effectively alleviated funding pressures for local cooperatives, facilitating the introduction of standardized planting techniques and optimized management processes [2][3] Marketing and Sales Strategies - The establishment of an e-commerce shipping warehouse in Xinkou Town has allowed for efficient distribution of Shawo radish, with a focus on order-based agriculture to minimize inventory [2] - A comprehensive branding initiative for Shawo radish has been launched, including the creation of a strategic cooperation agreement among various stakeholders to enhance brand recognition and market presence [3] Brand Development - The "Five Marks One Code" branding initiative has been introduced, providing Shawo radish with a unique identity that includes various quality and safety certifications [3] - The number of "Tianjin Agricultural Boutique" brands has increased from 187 in 2021 to 225, with annual sales exceeding 10 billion yuan for three consecutive years, indicating strong market performance and brand value [3]

中国人民银行网站1月7日发布天津市分行行政处罚决定信息公示表(津银罚决字〔2025〕9号)。天津银 行股份有限公司存在以下违法行为：违反金融统计管理规定。中国人民银行天津市分行决定对其处以罚 款35万元。 (责任编辑：易薇) ...

| 序号 | 当事人名称 | 行政处罚 | 违法行为 | 行政处罚 | 作出行政处罚 | 作出行政处罚 | 公示期限 《自公示之 | 窗注 | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | | (姓名、职务) | 决定书文号 | 类型 | 内容 | 决定机关名称 | 决定日期 | 日起计算》 | | | | 天津银行股份有限公 | 津银罚决字 | 违反金融统计管 | 罚款35万元 | 中国人民银行 | 2025年12月26日 | 三年 | | | | 리 | (2025) 9号 | 理规定。 | | 天津市分行 | | | | (责任编辑：徐自立) 中国经济网北京1月8日讯 中国人民银行网站1月7日发布天津市分行行政处罚决定信息公示表（津银罚决字〔2025〕 9号）。天津银行股份有限公司（简称：天津银行，01578.HK）存在以下违法行为：违反金融统计管理规定。中国人民 银行天津市分行决定对其处以罚款35万元。 以下为原文： ...

责任编辑：曹睿潼 1月8日金融一线消息，中国人民银行天津市分行行政处罚决定信息公示表显示，天津银行股份有限公司 因违反金融统计管理规定被罚款35万元。 | 序 | 当事人名称 | 行政处罚 | 违法行为 | 行政 处罚 | 作出行政处罚 | 作出行 政处罚 | 公示期限（自公示 | 备 | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 号 | （姓名、职 务） | 决定书文号 | 类型 | 内容 | 决定机关名称 | 决定日 | 之日起计算） | 注 | | | | | | | | 期 | | | | 1 | 天津银行股 | 津银罚决字 | 违反金融统计 | 罚款 35万 | 中国人民银行 | 2025年 12月26 | 三年 | | | | 份有限公司 | 〔2025〕9号 | 管理规定。 | | | | | | | | | | | 元 | 天津市分行 | 日 | | | 责任编辑：曹睿潼 1月8日金融一线消息，中国人民银行天津市分行行政处罚决定信息公示表显示，天津银行股份有限公司 因违反金融统计管理规定被罚款35万元。 序 号 当事人名 ...

致：香港交易及結算所有限公司 FF301 股份發行人及根據《上市規則》第十九B章上市的香港預託證券發行人的證券變動月報表 截至月份: 2025年12月31日 狀態: 新提交 | 1. 股份分類 | 普通股 | 股份類別 | 其他類別 (請註明) | | 於香港聯交所上市 (註1) | | 否 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | N/A | 說明 | 內資股 | | | | | | | | | 法定/註冊股份數目 | | 面值 | | | 法定/註冊股本 | | | 上月底結存 | | | 4,305,952,759 RMB | | | 1 RMB | | 4,305,952,759 | | 增加 / 減少 (-) | | | 0 | | | RMB | | 0 | | 本月底結存 | | | 4,305,952,759 RMB | | | 1 RMB | | 4,305,952,759 | | 2. 股份分類 | 普通股 | 股份類別 H | | | 於香港聯交所上市 (註1) | | 是 | | ...

Core Insights - Tianjin Bank won the "Best Transaction Bank" award at the 10th China Transaction Banking Annual Conference and the 15th "Golden Trade Award" ceremony, recognizing its outstanding comprehensive service capabilities and innovative practices in transaction banking [1]. Group 1: Event Overview - The event focused on the theme of "Breaking the Deadlock, Integration, Empowerment," gathering numerous financial institutions and experts from the trade sector to explore new paths for industrial financial collaboration in the digital intelligence era [2]. Group 2: Technological Innovations - Tianjin Bank's self-developed "Smart Tianxing" treasury system stands out, covering twelve detailed business scenarios such as account management, settlement management, and fund management, enabling centralized, online, and intelligent management of financial, information, and resource flows [2]. - The bank successfully implemented a regulatory sandbox project for supply chain financing services based on blockchain technology, creating an integrated risk assessment system for core enterprises and their upstream and downstream partners [2]. - The "Smart E-Chain" supply chain financial service platform efficiently addresses the financing needs of small and micro enterprises, effectively solving issues related to financing difficulties and high costs, earning widespread market recognition and a good reputation [2]. Group 3: Recognition and Impact - The award received by Tianjin Bank is not only a recognition of its comprehensive service capabilities and innovative practices but also a vivid interpretation of the high-quality development path for the transaction banking ecosystem [2].

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） 於2025年12月24日（星期三）舉行的 2025年第二次臨時股東會的投票表決結果 天津銀行股份有限公司*（「本行」）董事會（「董事會」）謹此宣佈，本行2025年第二 次臨時股東會（「臨時股東會」）已於2025年12月24日（星期三）上午10時整在天津 銀行東樓辦公區（中國天津市河西區友誼路15號）舉行。根據《香港聯合交易所有 限公司證券上市規則》（「上市規則」）的規定，臨時股東會提呈的決議案須以投票 方式進行表決。臨時股東會由董事長于建忠先生主持。本行董事于建忠先生、鄭 可先生、董曉東女士、布樂達先生、曾儉華先生及陸建忠先生出席臨時股東會。 1 經董事會作出一切合理查詢後所知、所悉及所信，概無股東於臨時股東會考慮的 事宜上擁有任何重大權益，並須於臨時股東會 ...

Core Viewpoint - Tianjin Bank has shown significant improvements in its operations and market presence under the leadership of Chairman Yu Jianzhong, with a focus on achieving an asset scale of over 1 trillion yuan soon [1][8]. Financial Performance - For the first three quarters of 2025, Tianjin Bank reported operating income of 12.939 billion yuan, a year-on-year increase of 0.48%, and net profit of 3.527 billion yuan, up 5.47%, with a 3.9 percentage point increase in profit growth compared to the mid-term [2][10]. - As of September 30, 2025, the total assets of Tianjin Bank reached 968.903 billion yuan, growing by 4.63% since the beginning of the year, and total liabilities were 898.289 billion yuan, up 4.87% [4][12]. - The earnings per share for the first three quarters of 2025 was 0.57 yuan, reflecting a year-on-year growth of 3.64% [4][12]. Technological Empowerment - Under Yu Jianzhong's leadership, Tianjin Bank has prioritized technological empowerment as a core strategy for transformation, winning the third prize in the 2024 Financial Technology Development Award from the People's Bank of China for its "Twin Digital Bank" project [4][12]. - The bank has invested over 6 million yuan in AI projects from August to November 2025, resulting in a 90% reduction in work order filling time with the launch of a new AI assistant [4][12]. - The number of personal mobile banking customers increased by 23.15% since the beginning of the year, enhancing service channels and creating a customized marketing strategy [4][12]. Sector Focus - In the technology finance sector, as of September 30, 2025, loans to technology innovation enterprises grew by 26.21%, and the bank underwrote technology innovation bonds worth 4.784 billion yuan [6][14]. - In green finance, the balance of green loans increased by 14.37%, with green bond underwriting and investment amounts rising by 401% and 173% year-on-year, respectively [6][14]. - In the pension finance sector, Tianjin Bank established a pension finance alliance with 10 entities, leading to a 429.15% increase in corporate loans for the pension industry [6][14]. Management Transformation - Since Yu Jianzhong's appointment, Tianjin Bank has implemented a "transformation phase" approach, focusing on changing thoughts, concepts, and methods to enhance operational efficiency [7][15]. - The bank has formed a strategic research team of 16 members to support the drafting and improvement of its "14th Five-Year Plan," producing over 100 research outcomes related to macroeconomic and policy conditions [7][15]. - Despite progress, Tianjin Bank faces challenges, including a slow A-share listing process, remaining the only city commercial bank in a direct-controlled municipality that has not achieved A-share listing since its proposal in 2015 [7][15].

Core Viewpoint - The 19th Huaxia Institutional Investor Annual Conference emphasized the themes of "vitality and resilience, innovation and empowerment," focusing on the future paths for financial development and the role of financial institutions in supporting the real economy [2]. Group 1: Financial Innovation - Tianjin Bank has successfully issued the first batch of technology-oriented innovative bonds in the country and the first in Hebei Province, with technology innovation loans growing by 26.21% year-on-year as of September 2025 [3]. - The bank has developed a specialized product system including equity, debt, loans, funds, and guarantees, and has successfully launched its first leasing business for computing power equipment and private satellite leasing [3]. Group 2: Green Finance - Tianjin Bank has issued the first energy-saving evaluation environmental loan in Tianjin, with significant year-on-year growth in both green bond investments and transactions [3]. - The introduction of innovative green financial products, such as energy evaluation-linked loans and green intellectual property-linked loans, marks an expansion of its green finance product system [3]. Group 3: Inclusive Finance - The bank has implemented the "thousand enterprises and ten thousand households" outreach initiative, with a total credit amount nearing 6.3 billion, leading in new credit issuance among city commercial banks in Tianjin [3]. - Inclusive corporate loans have increased by 51.7% year-on-year, reaching a historical high [3]. Group 4: Pension Finance - Tianjin Bank has upgraded its "Golden Autumn Harbor" pension finance brand and is issuing dedicated financial products, with steady growth in loans for the pension industry [4]. - The bank is integrating financial services into elderly care communities, creating a comprehensive product matrix for pension finance [4]. Group 5: Digital Finance - The bank's digital transformation has been recognized with 26 awards and 37 approved intellectual property rights, providing data support to the National Bureau of Statistics [4]. - The digital transformation efforts have received high praise from the National Bureau of Statistics [4].