本行經中國人民銀行《關於籌建天津城市合作銀行的批覆》（銀覆[1996]155 號）、中國人民銀行《關於天津城市合作銀行開業的批覆》（銀覆[1996]352號）批 准，以發起方式設立，並取得金融許可證；本行於1996年11月6日在天津市河西 區市場監督管理局註冊登記，取得公司營業執照；1998年4月，經中國人民銀行 《關於對天津城市合作銀行變更名稱的批覆》（津銀銀[1998]71號）批准，本行更名 為天津市商業銀行；2007年2月，經原中國銀監會《關於天津市商業銀行更名的批 覆》（銀監覆[2007]65號）批准，本行更名為天津銀行；本行的統一社會信用代碼 為911200001030702984。 1 天津銀行股份有限公司*章程 2025年9月25日天津銀行股份有限公司2025年第一次臨時股東會審議通過 | 第一章 | 總則 | 1 | | --- | --- | --- | | 第二章 | 經營宗旨和範圍 | 4 | | 第三章 | 黨委 | 6 | | 第四章 | 股份 | 8 | | 第一節 | 股份發行 | 8 | | 第二節 | 股份增減和回購 | 10 | | 第三節 | 股份轉讓 | 11 | | ...

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） 國家金融監督管理總局天津監管局批准修訂公司章程； 不再設立監事會 茲提述(i)天津銀行股份有限公司*（「本行」）於2025年8月29日刊發的公告及本行 於2025年9月3日刊發的通函（「該通函」），內容有關（其中包括）建議修訂本行的 公司章程（「公司章程」）及撤銷監事會；及本行於2025年9月25日舉行的2025年第 一次臨時股東會（「臨時股東會」）的投票表決結果的公告。除文義另有所指外，本 公告所用詞彙與該通函所界定者具有相同涵義。 本行最近收到日期為2025年10月22日的《天津金融監管局關於天津銀行修改公 司章程的批覆》（津金覆[2025]323號）。因此，天津金融監管局已批准經修訂的 公司章程，經修訂的公司章程自2025年10月22日生效。有關修訂後 ...

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9月30日 狀態: 新提交 致：香港交易及結算所有限公司 公司名稱: 天津銀行股份有限公司 (「本行」) 呈交日期: 2025年10月8日 本行是於中華人民共和國註冊成立的有限公司。 FF301 I. 法定/註冊股本變動 | 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 | | | 4,305,9 ...

Group 1 - The event themed "Golden Financial Market, Gathering Future" was held in Jinan, focusing on cooperation between government, banks, and enterprises to inject financial vitality into regional economic development [1] - Tianjin Bank Jinan Branch is integrating inclusive finance with national strategies such as "Technology Finance, Green Finance, Inclusive Finance, Pension Finance, and Digital Finance" to enhance financial support for the real economy [3] - The bank has provided comprehensive financial services to over 70 enterprises this year, enhancing financial accessibility and adaptability through a dual empowerment model of "financing + intelligence" [3] Group 2 - The bank promoted innovative products like "Specialized and Innovative Points Loan" and "Investment Linked Loan" to meet enterprises' financing needs throughout their lifecycle [4] - Measures such as "cost reduction, green channels, and customized services" are implemented to lower financing costs for enterprises [4] - The bank utilizes big data technology to optimize credit approval processes, ensuring rapid adaptation of financial services [4] Group 3 - The event effectively linked with the ongoing "1+1+1" government-bank-enterprise connection model, creating a beneficial ecosystem where the government provides a platform, banks offer support, and enterprises benefit [5] - Tianjin Bank Jinan Branch aims to continue its "Finance for the People" philosophy, participating in multi-dimensional linkage mechanisms like "Finance + Technology" and "Finance + Development Reform" to address financing challenges for small and micro enterprises [5] - The bank is committed to contributing financial strength to cultivate new productive forces and promote high-quality regional economic development [5]

Core Viewpoint - The implementation of the new regulatory policy, referred to as the "Assisted Loan New Regulations," will significantly reshape the landscape of the assisted loan industry by establishing clear compliance boundaries for commercial banks' internet-assisted loan businesses [1][3]. Group 1: Regulatory Changes - The new regulation, effective from October 1, 2025, mandates commercial banks to adopt a "list management" system for assisted loan cooperation institutions, which has led to a lack of transparency regarding the cooperation lists of major banks [4][5]. - The regulation imposes strict controls on "comprehensive financing costs," particularly targeting products with annualized comprehensive costs exceeding 24%, which poses a challenge to existing business models in the assisted loan sector [1][9]. Group 2: Market Dynamics - The disclosed cooperation lists indicate a trend where major internet giants are preferred partners for banks, leading to a concentration of funds and resources in the hands of a few leading institutions [5][6]. - Various banks have begun to reveal their cooperation lists, with significant participation from both state-owned and private banks, although the six major state-owned banks have yet to disclose their lists [4][6]. Group 3: Business Models and Strategies - Banks like Ping An Bank have developed platforms such as the "Smart Loan Platform" to enhance compliance and safety while expanding their internet credit ecosystem, reflecting a shift towards more regulated and secure lending practices [7]. - Some banks are reconsidering their involvement in assisted loan businesses due to high default rates and rising customer acquisition costs, which are compressing profit margins [7]. Group 4: Financial Implications - The new regulations are expected to create a significant stratification in funding sources, with high-interest assets losing bank support while assets with annualized rates below 24% become highly competitive [9][10]. - Trust funds have seen a temporary increase in demand as an alternative funding source, but their higher costs and regulatory constraints limit their sustainability [10]. Group 5: Regulatory Focus Post-Implementation - Post-implementation, regulatory scrutiny will focus on pricing transparency and comprehensive cost control, particularly regarding the inclusion of service fees in the overall financing costs [11]. - The regulatory authorities will also evaluate banks' risk management capabilities and their adherence to core responsibilities in the assisted loan sector [11].

Core Viewpoint - Tianjin Bank announced the approval of a proposal to abolish the supervisory board during the first extraordinary shareholders' meeting scheduled for September 25, 2025 [1] Group 1 - The extraordinary shareholders' meeting will take place on September 25, 2025 [1] - The proposal regarding the abolition of the supervisory board has been officially approved [1]

Core Viewpoint - Tianjin Bank has reported its mid-year performance for 2025, showing growth in both revenue and net profit despite challenges in the macroeconomic environment and narrowing net interest margins [3][4]. Financial Performance - As of June 2025, Tianjin Bank's total assets reached 965.675 billion yuan, a year-on-year increase of 4.3%, with operating income of 8.83 billion yuan, up 0.8%, and net profit of 2.01 billion yuan, up 1.6% [3][4]. - The bank's non-performing loan (NPL) ratio remained stable at 1.70%, while the provision coverage ratio improved to 171.29%, an increase of 2.08 percentage points from the previous year [3][4]. Market Position - Tianjin Bank's performance reflects a "scale-leading, profit-pressured" characteristic, positioning it in the mid-tier of the industry compared to peers like Qingdao Bank, which has a lower asset total but higher profitability [4][5]. - The bank's net interest margin was reported at 1.47%, a decrease of 0.13 percentage points year-on-year, indicating challenges in asset pricing capabilities [4][5]. Business Structure - The bank's loan balance reached 471.033 billion yuan, growing by 6.9% year-on-year, with corporate loans being the main contributor, while personal loans decreased by 8.1% [5][6]. - Interest income fell to 15.14 billion yuan, a decline of 5.1%, and investment income also decreased by 15.5%, reflecting the bank's struggle to balance asset returns and risk [6]. Historical Context - Tianjin Bank has evolved from a local bank to a regional financial leader, having undergone significant transformations since its establishment in 2000 and subsequent public listing in 2015 [6][7]. - The bank has raised approximately 15 billion HKD through H-share issuance, enhancing its capital base for business expansion and risk management [7]. IPO Progress - As of August 13, 2025, Tianjin Bank's A-share IPO process has entered its 28th phase, with ongoing guidance from Zhongyin Securities and CITIC Securities, marking nearly ten years since the initial IPO counseling began [8][9]. - The bank faces significant hurdles in obtaining external approvals necessary for its IPO, which are critical for its capital replenishment and growth strategy [9][10].

天津銀行股份有限公司 * 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.* （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9月25日（星期四）舉行的 2025年第一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年第一 次臨時股東會（「臨時股東會」）已於2025年9月25日（星期四）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。臨時股東會由執行董事、行長吳洪濤先生主持。本行董事吳洪濤先 生、董曉東女士、布樂達先生、陸建忠先生及彭冰先生出席臨時股東會。 於臨時股東會上，本行日期為2025年9月3日的臨時股東會通告所載已提呈決議案 以投票方式進行表決並全部獲正式通過。除文義另有 ...

Group 1 - The 2025 9th "Yinhua Fund Cup" Sina Financial Advisor Competition has officially announced the list of finalists, with 170 outstanding financial advisors and 45 excellent financial teams advancing to the semi-finals [1][2] - The competition aims to provide a platform for financial elites to showcase their skills, enhance their capabilities, and bridge communication between excellent financial advisors and the public, promoting the healthy development of financial management in China [1][2] - The event has expanded its participation scope to include various financial sectors such as banks, securities firms, and insurance companies, receiving widespread attention and support from numerous financial institutions and advisors [1][2] Group 2 - Since its launch on July 8, the competition attracted over 40,000 financial advisors from 107 financial institutions, marking a new record in participation scale, particularly in team competitions with over 600 teams registered [2] - The rules have been upgraded this year, allowing teams to consist of 3 members instead of 4, significantly lowering the entry barrier and providing more opportunities for individual members to showcase their professional skills [2] - Major state-owned banks like China Construction Bank and China Postal Savings Bank have shown strong performances, with 11 and 9 advisors advancing to the semi-finals, respectively [2][3] Group 3 - Joint-stock banks, city commercial banks, and rural commercial banks have also demonstrated their professional characteristics, with institutions like Huaxia Bank and China Merchants Bank achieving significant improvements in both participation and advancement results compared to previous years [3] - The semi-finals will assess participants' real-time market analysis capabilities, insights into client needs, and comprehensive skills in financial planning and communication [4] - The semi-finals for individual participants will take place online on October 19, while team competitions will occur in Beijing, Shanghai, and Shenzhen on October 25, November 1, and November 8, respectively [4] Group 4 - The finals will introduce a new lottery segment with prizes including tickets to high-profile events and opportunities for networking with top entrepreneurs and economists [5]

Core Viewpoint - Tianjin Bank reported a slight increase in revenue and net profit for the first half of 2025, but faced challenges in various business segments, including a significant decline in fee income and investment returns [1][8]. Financial Performance - For the first half of 2025, Tianjin Bank achieved operating income of 8.828 billion RMB, a year-on-year increase of 0.82% [1][2]. - The net profit attributable to shareholders was 1.988 billion RMB, reflecting a growth of 1.11% compared to the previous year [1][2]. - The bank's total assets reached 965.67 billion RMB, marking a 4.3% increase from the end of the previous year [2][8]. - The total liabilities amounted to 895.76 billion RMB, up 4.6% year-on-year [2]. Asset Quality - As of June 30, 2025, the non-performing loan (NPL) ratio remained stable at 1.70%, unchanged from the end of the previous year [3][5]. - The provision coverage ratio improved to 171.29%, an increase of 2.08 percentage points from the previous year [3][5]. Income Breakdown - Interest income for the first half of 2025 was 15.143 billion RMB, down 5.1% from the previous year [4]. - Net interest income decreased by 1.8% to 5.923 billion RMB [4]. - Investment income fell to 1.267 billion RMB, a decline of 15.5% year-on-year, primarily due to a strategic shift in investment structure [3][4]. Business Challenges - The bank's intermediary business income saw a significant drop, with net fee and commission income decreasing by 26.9% [8]. - The individual loan business experienced a notable contraction, leading to the largest decline among listed city commercial banks [8]. - Despite efforts to enhance collaboration through investments, the expected synergistic effects have yet to materialize [8].