Group 1 - The core issue involves Tianjin Bank being sued for allegedly issuing loans to students, which is against regulatory guidelines [1] - The case was brought by a graduate student, Mr. Zhu, who sought the return of interest paid on loans taken during his studies, resulting in a settlement where the bank refunded him 2,186.53 yuan [1] - Tianjin Bank's response to the allegations was limited, indicating a lack of awareness regarding the specific case [1] Group 2 - Regulatory guidelines from the China Banking and Insurance Regulatory Commission prohibit financial institutions from targeting university students for internet consumer loans [2] - The guidelines emphasize the need for substantial identity verification of loan clients and restrict banks from issuing loans to students without proper oversight [2] - Financial institutions are required to establish risk management systems and conduct thorough assessments before granting loans to ensure risks are manageable [2]

Core Insights - The surge in "direct sale" properties by banks, including Lanzhou Bank, Jilin Bank, and Tianjin Bank, has become a focal point in the real estate market, raising concerns about its impact on the second-hand housing market [2][4][8] Group 1: Market Dynamics - Banks are increasingly engaging in "direct sale" of properties, which are obtained through judicial processes, allowing them to sell properties with clear ownership [3][4] - The number of properties listed for direct sale has significantly increased, with Lanzhou Bank listing 1,779 properties and Jilin Bank over 2,000 properties for 2025 [4] - The direct sale properties are often priced 10% to 25% below market value, making them attractive to price-sensitive buyers [5][8] Group 2: Financial Implications - The rise in direct sale properties is seen as a response to the pressure of non-performing assets and a cooling auction market, prompting banks to adopt a direct sale model [7][8] - The overall non-performing loan rate for mortgages is currently manageable, but there is an upward trend in personal business loan defaults [7] - The auction market has seen a decline, with a 5.7% drop in the number of properties listed for auction in 2025 compared to the previous year [7] Group 3: Impact on Real Estate Market - The actual transaction volume of bank direct sale properties is low, typically accounting for only 1% to 3% of total second-hand home transactions, indicating limited long-term impact on overall housing prices [9] - The pricing strategy of direct sale properties may temporarily suppress buyer expectations and influence local pricing dynamics [9] - Future collaboration between banks and real estate agents is anticipated, where banks provide baseline pricing and risk control while agents handle customer interactions and transactions [8][9]

Core Insights - Tianjin Bank's A-share IPO plan was first proposed in 2015, but the bank has yet to exit the counseling period after ten years [1] - The main obstacle for Tianjin Bank's listing is the lack of external approvals required for the IPO [1] Financial Performance - For the first three quarters of 2025, Tianjin Bank reported operating income of 12.939 billion RMB, a year-on-year increase of 0.62 billion RMB, or 0.48% [2] - The total profit for the same period was 3.970 billion RMB, up by 1.32 billion RMB, or 3.44% year-on-year [2] - Net profit reached 3.527 billion RMB, reflecting a year-on-year growth of 1.83 billion RMB, or 5.47% [2] - Earnings per share were 0.57 RMB, an increase of 3.64% compared to the previous year [2] Comparison with Previous Periods - The operating income growth rate for Tianjin Bank in the first three quarters of 2025 was lower than that in the first half of 2025, where it achieved an operating income of 8.828 billion RMB, a year-on-year increase of 0.82% [2] - In 2023 and 2024, Tianjin Bank's operating income was 16.456 billion RMB and 16.709 billion RMB, representing year-on-year growth of 4.4% and 1.5%, respectively [2] - The net profit attributable to equity holders for 2023 and 2024 was 3.760 billion RMB and 3.802 billion RMB, with year-on-year growth of 5.5% and 1.1%, respectively [2]

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 FF301 截至月份: 2025年10月31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11月3日 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 | | | 4,305,952,759 RMB | | 1 | RMB | | 4,305,952,759 | ...

Core Viewpoint - Tianjin Bank reported steady growth in its financial performance for the first three quarters of 2025, with operating income reaching 12.939 billion yuan, a year-on-year increase of 0.48%, and net profit of 3.527 billion yuan, up 5.47% [1][2] Financial Performance - The bank's asset scale reached 968.9 billion yuan, growing 4.63% from the beginning of the year, indicating a positive growth trend in operational performance [1] - Net interest income was 9.292 billion yuan, reflecting a year-on-year growth of 1.7%, with net interest margin and net interest spread both improving by 0.06 and 0.07 percentage points respectively compared to the full year of 2024 [2] Asset Management - Loan growth was recorded at 7.0%, which is 2.4 percentage points higher than the overall asset growth rate, demonstrating effective asset management [2] Liability Management - The bank implemented strict cost control measures, resulting in a 30 basis point decrease in overall deposit interest rates compared to 2024, with personal and corporate deposit rates decreasing by 28 and 32 basis points respectively [3] - The issuance of 15 billion yuan in financial bonds and optimization of interbank liability structure contributed to a reduction in interest costs [3] Innovation and Technology - Loans to technology innovation enterprises increased by 26.21% year-to-date, and the bank actively supported the construction of the "Technology Board" in the bond market, underwriting 4.784 billion yuan in technology innovation bonds [4] - The bank's digital financial services saw a 23.15% increase in personal mobile banking customers, and it launched an intelligent service platform for corporate clients, winning the "2025 Digital Financial Pioneer Award" [5][10] Green and Inclusive Finance - Green loan balances grew by 14.37%, with significant achievements in green financing initiatives, including the first energy efficiency evaluation-linked loan in Tianjin [4] - The bank's inclusive finance efforts led to a historical high in new microfinance loans, with a year-to-date growth of 34.71% in inclusive corporate loan balances [4] Cultural and Community Engagement - The bank engaged in community activities, including sponsoring the Tianjin Marathon and launching various cultural events, which contributed to a retail customer base of 12.4 million, with over 100,000 new effective payroll clients added this year [8] Research and Development - The establishment of a digital finance committee and a strategic research team aims to enhance the bank's research capabilities, focusing on macroeconomic trends and technological applications in finance [9]

Core Viewpoint - Tianjin Bank (1578.HK) reported a slight increase in revenue and a moderate rise in net profit for the first three quarters of 2025, indicating stable financial performance amidst market conditions [1] Financial Performance - Operating revenue for the first three quarters of 2025 reached RMB 12.939 billion, reflecting a year-on-year increase of 0.48% [1] - Net profit for the same period was RMB 3.527 billion, showing a year-on-year growth of 5.47% [1] - Earnings per share (EPS) stood at RMB 0.57, which is an increase of 3.64% compared to the same period last year [1]

Core Viewpoint - Tianjin Bank reported steady growth in its financial performance for the first three quarters of 2025, with operating income reaching 12.939 billion yuan, a year-on-year increase of 0.48%, and net profit of 3.527 billion yuan, up 5.47% [2][3] Financial Performance - The bank's asset scale reached 968.9 billion yuan, growing by 4.63% since the beginning of the year [2] - Loan growth was recorded at 7.0%, outpacing the overall asset growth by 2.4 percentage points [3] - Net interest income amounted to 9.292 billion yuan, reflecting a year-on-year increase of 1.7% [3] - The net interest margin and net interest spread improved by 0.06 and 0.07 percentage points, respectively, compared to the full year of 2024 [3] Liability Management - The bank implemented strict cost control measures, reducing interest expenses by 30 basis points compared to 2024 [4] - Personal deposit interest rates decreased by 28 basis points, while corporate deposit rates fell by 32 basis points [4] - The bank issued a total of 15 billion yuan in financial bonds and optimized its interbank liability structure, leading to a reduction in bond and interbank liability interest rates by 40 and 22 basis points, respectively [4] Innovation and Support for Key Sectors - Loans for technology innovation enterprises grew by 26.21% year-to-date, with the bank acting as the lead underwriter for technology innovation bonds totaling 4.784 billion yuan [5] - Green loans increased by 14.37%, with significant growth in green bond underwriting and investment [5] - The bank's inclusive finance initiatives led to a historic high in new inclusive corporate loans, with a year-to-date growth of 34.71% [5] Cultural and Community Engagement - The bank sponsored the 2023-2030 Tianjin Marathon, enhancing its brand image and business development [7] - The bank's retail customer base reached 12.4 million, with over 100,000 new effective payroll clients added during the year [7] Research and Development Focus - The establishment of a digital finance committee at the board level aims to integrate research and technology into the bank's strategic framework [8] - The bank has produced over 100 research papers on various topics, including macroeconomics and policy trends [8] - The bank's digital initiatives have led to the launch of 50 intelligent application scenarios, with 37 intellectual property rights granted [8]

Core Viewpoint - Tianjin Bank reported a slight increase in revenue and profit for the first three quarters of 2025, indicating stable financial performance despite a challenging economic environment [1] Financial Performance - The bank achieved operating income of RMB 12.939 billion, an increase of RMB 62 million, representing a growth rate of 0.48% compared to the same period last year [1] - Profit before tax reached RMB 3.970 billion, up by RMB 132 million, with a growth rate of 3.44% year-on-year [1] - Net profit amounted to RMB 3.527 billion, reflecting an increase of RMB 183 million, which corresponds to a growth rate of 5.47% compared to the previous year [1] - Earnings per share were RMB 0.57, marking a year-on-year increase of 3.64% [1] Regulatory Indicators - As of the end of September 2025, the bank's capital adequacy ratio stood at 13.30% [1] - The non-performing loan ratio was 1.70%, remaining stable compared to the beginning of the year [1] - The provision coverage ratio was 164.55%, indicating that the asset quality and risk mitigation capacity have remained stable [1]

Core Insights - Tianjin Bank reported a total operating income of RMB 12.939 billion for the first three quarters of 2025, reflecting a year-on-year increase of RMB 62 million, or 0.48% [1] - The bank achieved a total profit of RMB 3.970 billion, up RMB 132 million from the previous year, representing a growth of 3.44% [1] - Net profit reached RMB 3.527 billion, an increase of RMB 183 million year-on-year, with a growth rate of 5.47% [1] - Earnings per share stood at RMB 0.57, marking a year-on-year increase of 3.64% [1] Financial Performance - As of the end of September 2025, total assets amounted to RMB 969.903 billion, an increase of RMB 42.909 billion since the beginning of the year, reflecting a growth rate of 4.63% [1] - Customer loans and advances reached RMB 471.628 billion, up RMB 30.849 billion from the start of the year, with a growth rate of 7.00% [1] - Total liabilities were RMB 898.289 billion, increasing by RMB 41.705 billion, or 4.87% [1] - Customer deposits totaled RMB 540.536 billion, an increase of RMB 39.579 billion, representing a growth of 7.90% [1] - Net asset value per share was RMB 11.48, reflecting an increase of 1.68% since the beginning of the year [1] Regulatory Indicators - The capital adequacy ratio stood at 13.30% as of September 2025 [2] - The non-performing loan ratio remained stable at 1.70% compared to the beginning of the year [2] - The provision coverage ratio was 164.55%, indicating stable asset quality and risk mitigation capacity [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） 公告 截至2025年9月30日止九個月之財務及經營數據 本公告乃由天津銀行股份有限公司*（「本行」）根據《證券及期貨條例》（香港法例 第571章）第XIVA部項下之內幕消息條文及《香港聯合交易所有限公司證券上市規 則》第13.09(2)(a)條及第13.10B條作出。 背景 截至2025年9月末，本行資產總額人民幣9,689.03億元，較年初增長人民 幣429.09億元，增幅4.63%；其中客戶貸款及墊款金額為人民幣4,716.28億 元，較年初增長人民幣308.49億元，增幅7.00%。負債總額人民幣8,982.89億 元，較年初增長人民幣417.05億元，增幅4.87%；其中客戶存款金額人民幣 5,405.36億元，較年初增長人民幣395.79億元，增幅 ...