Strategic Planning and Development - The bank's strategic plan for the "14th Five-Year" period aims to establish itself as a mainstream commercial bank in the Beijing-Tianjin-Hebei region, focusing on "reform + innovation" as its development driving force [10]. - In 2023, the bank plans to revise its "14th Five-Year" strategic plan to align with internal and external changes and the requirements of local government initiatives [10]. - The bank aims to strengthen its market presence through strategic partnerships and potential mergers and acquisitions [10]. - Tianjin Bank aims to effectively implement the "14th Five-Year Plan" and focus on the "Ten Actions" initiated by the municipal government in 2023 [31]. Corporate Culture and Employee Engagement - The bank initiated a corporate culture construction project during the reporting period, forming the "Seagull Navigation" corporate culture system, which includes core values and application concepts [12]. - The bank's commitment to employee care and creating an excellent customer experience is a key component of its strategic objectives [10]. Financial Performance and Key Metrics - Total operating income for 2022 was RMB 15,758,751,000, down 10.9% from RMB 17,693,989,000 in 2021 [17]. - The pre-tax profit increased by 10.7% to RMB 3,809,559,000 in 2022, compared to RMB 3,441,743,000 in 2021 [18]. - The net profit attributable to equity holders of the bank rose by 11.5% to RMB 3,564,965,000 in 2022 from RMB 3,196,026,000 in 2021 [18]. - The bank's total interest income was RMB 30,385,697,000, a slight increase of 0.0% from RMB 30,371,879,000 in 2021 [17]. - The bank's commission and fee income increased by 2.5% to RMB 2,134,760,000 in 2022 compared to RMB 2,082,280,000 in 2021 [17]. - The earnings per share for the year was RMB 0.59, an increase of 11.3% from RMB 0.53 in 2021 [18]. - The bank was ranked 187th in the "Top 1000 World Banks" by The Banker magazine, improving by 7 places from the previous year [15]. Asset and Liability Management - Total assets increased by 5.7% to RMB 761,082,851,000 in 2022 from RMB 719,903,932,000 in 2021 [19]. - Total liabilities grew by 5.8% to RMB 700,463,719,000 in 2022 from RMB 662,363,094,000 in 2021 [19]. - Customer deposits increased by 4.0% to RMB 397,765,271,000 in 2022 from RMB 382,478,890,000 in 2021 [19]. - The bank's total equity reached RMB 60,619.1 million, an increase of RMB 3,078.3 million or 5.3% compared to the previous year-end, primarily due to increased retained earnings [124]. Risk Management - The bank's non-performing loan ratio remained stable, reflecting effective risk management strategies [17]. - The expected credit loss under the model was RMB 7,524.8 million, a decrease of RMB 2,327.3 million or 23.6% year-on-year, due to improved credit risk management [80]. - The bank has implemented a unified credit system to manage credit risk exposure across all lending and non-lending activities, ensuring rigorous approval processes [191]. - The bank's market risk management framework has been strengthened, focusing on interest rate and exchange rate risks, with regular monitoring and reporting mechanisms in place [193]. Digital Transformation and Innovation - The bank successfully launched a new generation distributed core system, marking a significant step in digital transformation [30]. - The bank's digital transformation strategy includes upgrading core systems, achieving a 25-fold increase in transaction processing concurrency and a 10-fold increase in peak daily transaction volume [43]. - The bank's investment strategy emphasized ESG-compliant investments, particularly in carbon peak and carbon neutrality projects [176]. Community Engagement and Support for Enterprises - The bank has established a comprehensive small and micro finance service system, enhancing support for small and micro enterprises through various financial products [165]. - The bank actively participated in local community events, such as the "Haihe International Consumption Season," to promote financial services and support local economic development [163]. - The balance of agricultural loans under RMB 10 million reached RMB 4,073.57 million, an increase of 24.15% compared to the end of the previous year [167]. Environmental and Social Responsibility - The bank actively participated in green finance initiatives, underwriting various themed bonds related to low-carbon transportation and rural revitalization [174]. - The bank's agricultural loan balance reflects its commitment to supporting rural revitalization and inclusive finance initiatives [167].

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） 2022年度業績公告 天津銀行股份有限公司*（「本行」）董事會（「董事會」）謹此宣佈本行及其子公司截 至2022年12月31日止年度之經審計業績。本公告列載本行2022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。本行董事會及董事會審計委員會已審閱並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2022年度報告的印刷版本將會隨後寄發予本 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( w ...

Financial Performance - Interest income for the first half of 2022 was RMB 15,055,020 thousand, a slight increase of 0.3% compared to RMB 15,016,942 thousand in the same period of 2021[14]. - Net interest income decreased by 13.1% to RMB 5,540,617 thousand from RMB 6,373,900 thousand year-on-year[14]. - Total operating income for the first half of 2022 was RMB 7,837,682 thousand, down 12.7% from RMB 8,979,758 thousand in the previous year[14]. - Pre-tax profit increased by 10.8% to RMB 3,550,528 thousand compared to RMB 3,205,326 thousand in the first half of 2021[14]. - Net profit attributable to equity holders of the bank rose by 12.1% to RMB 3,023,600 thousand from RMB 2,696,658 thousand year-on-year[14]. - Basic earnings per share increased by 13.6% to RMB 0.50 from RMB 0.44 in the same period last year[14]. - The bank reported a significant increase of 77.4% in trading net gains to RMB 483,385 thousand from RMB 272,528 thousand year-on-year[14]. - Net profit increased by 11.8% to RMB 30.3 billion, with ROA and ROE at 0.82% and 10.26%, respectively[24]. - The bank's operating income was RMB 7,837.7 million, a decrease of 12.7% compared to the previous year[29]. Asset and Liability Management - Total assets reached RMB 750.6 billion, an increase of 4.3% compared to the end of last year[16]. - Total liabilities reached RMB 690.1 billion, up 4.2% from the previous year[16]. - Customer deposits increased to RMB 394.6 billion, reflecting a growth of 3.2%[16]. - The total assets of the bank reached RMB 765,670.4 million, reflecting a year-on-year increase of 4.16%[31]. - The total liabilities of the bank amounted to RMB 690,099.9 million, an increase of RMB 27,736.8 million, representing a growth of 4.2% compared to the end of the previous year[100]. - Customer deposits reached RMB 394,565.0 million, up RMB 12,086.1 million, reflecting a growth of 3.2%, primarily due to an increase in personal deposits[101]. Loan and Credit Management - Customer loans and advances amounted to RMB 336.3 billion, growing by 3.6% year-on-year[16]. - The balance of loans in the Beijing-Tianjin-Hebei region reached RMB 216.67 billion, an increase of 11.2% from the end of the previous year[26]. - The outstanding balance of small and micro enterprise loans under RMB 10 million was RMB 27.59 billion, an increase of 11.75% from the end of the previous year[25]. - The bank provided RMB 13.4 billion in flexible credit loans to 69,800 small and micro enterprises, with an annual interest rate as low as 3.95%[25]. - The total customer loans and advances reached RMB 348,486.8 million, with credit loans making up 45.6% of the total[130]. - The bank's normal loans amounted to RMB 321,669.0 million, representing 92.30% of total loans, an increase of RMB 8,933.9 million from the previous year[116]. Non-Performing Loans and Credit Quality - Non-performing loan ratio improved to 2.28%, down 0.13 percentage points from the beginning of the year[24]. - The non-performing loan ratio decreased to 2.25%, down by 0.14 percentage points from the end of 2021, due to enhanced recovery efforts[116]. - The company's non-performing loans (NPLs) for corporate clients amounted to RMB 4,830.1 million, a decrease of RMB 720.5 million or 13.0% compared to the previous year-end[123]. - The NPL ratio for personal loans rose to 2.48%, an increase of 0.59 percentage points, with personal NPLs rising by 20.7% to RMB 3,012.8 million[127]. - The total non-performing loans amounted to RMB 7,842.9 million, with a non-performing loan ratio of 2.25%[128]. Risk Management - The bank has implemented a comprehensive risk management framework to address credit, operational, market, liquidity, and information technology risks[166]. - Credit risk management includes a unified credit system and a rigorous approval process to ensure independent credit assessments[167]. - The bank has established a market risk management structure to effectively identify, measure, monitor, and control market risks[170]. - Interest rate risk is managed through gap analysis, sensitivity analysis, and stress testing to mitigate potential impacts from market rate fluctuations[172]. - The bank's liquidity risk management strategy remains prudent in response to macroeconomic and regulatory changes, continuously improving liquidity management capabilities[175]. Capital Adequacy and Financial Stability - The capital adequacy ratio was reported at 13.00%, down 0.49 percentage points from the previous year[19]. - The Tier 1 capital adequacy ratio and core Tier 1 capital adequacy ratio are both 10.46%, down by 0.28 and 0.27 percentage points respectively from the end of the previous year[163]. - The bank's leverage ratio stands at 7.47%, slightly up from 7.44% at the end of the previous year[165]. - The bank's total capital net amount is 73,701.8 million, up from 70,803.6 million at the end of the previous year[163]. Operational Efficiency - The total operating expenses for the reporting period amounted to RMB 2,048.2 million, an increase of RMB 60.8 million or 3.1% year-on-year[59]. - The cost-to-income ratio increased to 24.89%, up 3.93 percentage points from 20.96% in the previous year[59]. - Employee compensation expenses decreased to RMB 1,116.0 million, down RMB 56.2 million or 4.8% compared to the previous year[60]. Strategic Initiatives - The bank is focusing on digital transformation and enhancing risk management capabilities to support local economic development[22]. - The bank's strategy includes increasing lending to key projects and quality customers, despite the decline in net interest income[30]. - The bank has actively implemented measures to support the real economy, which has impacted interest income[38]. - The bank is actively promoting green finance initiatives and has formed a cross-departmental team to enhance its green finance strategy[142]. Shareholder and Governance - The current board of directors includes 15 members, with key positions held by Sun Liguo as Executive Director and Chairman, and Wu Hongtao as Executive Director and President[186]. - The bank's supervisory board consists of 4 members, including Feng Xia as Employee Supervisor and Chairman[187]. - The bank's management confirmed adherence to the standards set for securities transactions, ensuring regulatory compliance[195]. - The bank's shareholder meeting on February 28, 2022, approved the changes in the board and supervisory board, demonstrating shareholder engagement[191].