8月29日，天津银行发布中期业绩公告，2025年上半年，该行实现营业收入88.3亿元，同比增长0.8%； 实现利润总额21.4亿元，同比增长4.9%；实现净利润20.1亿元，同比增长1.6%。净息差1.47%，与2024 年持平；净利差1.56%，较2024年上升0.01%。 （天津银行） 截至上半年末，天津银行资产总额9656.75亿元，较上年末增长4.3%，其中贷款余额较上年末增长 6.9%，较资产增速高2.6个百分点；在天津地区贷款市场份额占比7.40%，排名全市第四。负债总额 8957.6亿元，较上年末增长4.6%，其中存款余额较上年末增长6.6%，较负债增速高2.0个百分点；在天 津地区单位存款市场份额占比10.65%，排名全市第一。 资产质量方面，截至上半年末，天津银行不良贷款率1.70%，较上年末持平；拨备覆盖率171.29%，较 上年末上升2.08个百分点。资本充足状况保持良好，资本充足率、一级资本充足率、核心一级资本充足 率持续满足监管要求，按照一级资本排名位列《银行家》杂志2025年世界银行1000强第185名。 ...

Core Viewpoint - The overall business performance of Tianjin Bank is steadily improving, with a focus on enhancing profitability, asset quality, and expanding financial services in key areas such as technology and green finance [2][6][10]. Financial Performance - The bank achieved an operating income of 8.83 billion yuan, a year-on-year increase of 0.8%, and a total profit of 2.14 billion yuan, up 4.9% year-on-year [2]. - Net profit reached 2.01 billion yuan, reflecting a 1.6% year-on-year growth, with a net interest margin of 1.47% and a net yield of 1.56% [2]. - Earnings per share increased to 0.33 yuan, a growth of 3.1%, with a cash dividend of 1.368 yuan per 10 shares, marking a 14.0% increase [3]. Asset and Liability Management - Total assets amounted to 965.675 billion yuan, growing by 4.3% from the previous year, with loans increasing by 6.9% [2]. - Total liabilities reached 895.759 billion yuan, up 4.6%, with deposits growing by 6.6% [2]. - The bank maintained a non-performing loan ratio of 1.70% and a provision coverage ratio of 171.29%, which increased by 2.08 percentage points [2]. Strategic Initiatives - The bank is enhancing its service capabilities through a diversified financial service system, focusing on technology and green finance [5][10]. - The loan balance for technology innovation enterprises grew by 22.58%, and the issuance of technology innovation bonds reached 3.635 billion yuan [5]. - Green loans increased by 13.98%, with green bond underwriting and investment scales rising by 533.7% and 45.5%, respectively [5]. Inclusive Finance and Digital Transformation - The bank has expanded its inclusive finance efforts, with a historical high in loans to small and micro enterprises, increasing by 43.20% [7]. - Digital banking services have been upgraded, with a 19.1% increase in personal mobile banking users [8]. - The bank is focusing on building a new retail financial ecosystem, with significant growth in personal deposits and retail customer base [11]. Operational Efficiency - The bank's secondary market trading volume increased by 71%, with bond underwriting scales rising by 22% [12]. - The bank has issued various financial products, including the first foreign currency series of wealth management products [12]. - The bank's commitment to enhancing operational efficiency is reflected in its strong performance in the bond market and effective management of liabilities [12].

Performance Summary - China Railway Construction (01186.HK) reported a revenue of 489.2 billion yuan, a decrease of 5.2% year-on-year, with a net profit of approximately 10.7 billion yuan, down 10.1% [2] - Industrial and Commercial Bank of China (01398.HK) achieved a revenue of 409.1 billion yuan, an increase of 1.8% year-on-year, while net profit fell by 1.4% to 168.1 billion yuan [2] - Agricultural Bank of China (01288.HK) recorded a revenue of 369.79 billion yuan, up 0.7% year-on-year, and a net profit of 139.51 billion yuan, an increase of 2.66% [2] - China Construction Bank (00939.HK) reported a revenue of 385.91 billion yuan, a 3% increase year-on-year, with net profit around 162.08 billion yuan, down 1.4% [2] - Bank of China (03988.HK) had a revenue of 329.42 billion yuan, up 3.61% year-on-year, while net profit decreased by 0.85% to 117.59 billion yuan [2] - Postal Savings Bank of China (01658.HK) reported a revenue of 179.53 billion yuan, a 1.5% increase year-on-year, with net profit of 49.23 billion yuan, up 0.85% [2] - China Merchants Bank (03968.HK) achieved a revenue of 169.92 billion yuan, down 1.7% year-on-year, while net profit increased by 0.3% to 74.93 billion yuan [2] - Bank of Communications (03328.HK) reported a revenue of 133.50 billion yuan, up 0.7% year-on-year, with net profit of 46.02 billion yuan, an increase of 1.6% [2] - Minsheng Bank (01988.HK) had a revenue of 70.70 billion yuan, up 7.8% year-on-year, while net profit decreased by 4.9% to 21.38 billion yuan [2] - China Everbright Bank (06818.HK) reported a revenue of 65.95 billion yuan, down 5.6% year-on-year, with net profit of 24.62 billion yuan, an increase of 0.55% [2] - BYD Company (01211.HK) achieved a revenue of 371.28 billion yuan, up 23.3% year-on-year, with net profit of 15.51 billion yuan, an increase of 13.8% [2] - China Communications Construction Company (01800.HK) reported a revenue of 335.45 billion yuan, down 5.8% year-on-year, with net profit of 9.99 billion yuan, down 16.9% [2] - Lenovo Holdings (03396.HK) achieved a revenue of 281.59 billion yuan, up 21% year-on-year, with net profit of 699 million yuan, an increase of 144% [2] - Great Wall Motors (02333.HK) reported a revenue of 92.34 billion yuan, up 1% year-on-year, with net profit of 6.34 billion yuan, down 10.2% [2] - BYD Electronics (00285.HK) achieved a revenue of 80.61 billion yuan, up 2.6% year-on-year, with net profit of 1.73 billion yuan, an increase of 14% [2] - Country Garden (02007.HK) reported a revenue of 72.57 billion yuan, with a net loss of 19.078 billion yuan [2] - China Reinsurance (01508.HK) achieved a revenue of 61.03 billion yuan, up 0.6% year-on-year, with net profit of 6.244 billion yuan, an increase of 9.03% [2] - Yanzhou Coal Mining Company (01171.HK) reported a revenue of 53.966 billion yuan, down 13.17% year-on-year, with net profit of 4.731 billion yuan, down 38.7% [2] - Jitu Express (01519.HK) achieved a revenue of 5.499 billion USD, up 13.1% year-on-year, with net profit of 156 million USD, an increase of 147.1% [2] - AVIC Industry (02357.HK) reported a revenue of 37.465 billion yuan, up 11.43% year-on-year, with net profit of 1.03 billion yuan, down 17.67% [2] - CITIC Financial Assets (02799.HK) achieved a revenue of 31.136 billion yuan, up 2.9% year-on-year, with net profit of 6.168 billion yuan, an increase of 15.7% [2] - Bank of China Hong Kong (02388.HK) reported a net interest income of 25.06 billion HKD, down 3.5% year-on-year, with net profit of 22.12 billion HKD, an increase of 10.54% [2] - Zoomlion Heavy Industry (01157.HK) achieved a revenue of 24.855 billion yuan, up 1.3% year-on-year, with net profit of 2.765 billion yuan, an increase of 20.84% [2] - New Town Development (01030.HK) reported a revenue of 22.1 billion yuan, down 34.82% year-on-year, with net profit of 895 million yuan, down 32.11% [2] - Huatai Securities (06886.HK) achieved a revenue of approximately 20.98 billion yuan, up 5.86% year-on-year, with net profit of 7.549 billion yuan, an increase of 42.16% [2] - China Sanjiang Chemical (02198.HK) reported a revenue of 9.106 billion yuan, down 1.5% year-on-year, with net profit of 301 million yuan, an increase of 95.5% [2] - Tianjin Bank (01578.HK) achieved a revenue of 8.828 billion yuan, up 0.8% year-on-year, with net profit of 1.988 billion yuan, an increase of 1.1% [2] - Harbin Bank (06138.HK) reported a revenue of 7.386 billion yuan, up 2.6% year-on-year, with net profit of 915 million yuan, an increase of 20% [2] - Qingjian International (01240.HK) achieved a revenue of approximately 4.404 billion HKD, down 9.8% year-on-year, with net profit of 2.992 million HKD, an increase of 25.6% [2] - Xingye Alloy (00505.HK) reported a revenue of 4.389 billion yuan, up 22.1% year-on-year, with net profit of 106 million yuan, down 24.7% [2] - 3SBio (01530.HK) achieved a revenue of 4.355 billion yuan, down 0.8% year-on-year, with net profit of 1.358 billion yuan, an increase of 24.6% [2] - Huya Technology (01860.HK) reported a revenue of 938 million USD, up 47% year-on-year, with adjusted EBITDA of 88.681 million USD, an increase of 41% [2] - Haitong Securities (01905.HK) achieved a revenue of 3.521 billion yuan, down 12.6% year-on-year, with net profit of 785 million yuan, down 3.4% [2] - Dazhong Public Utilities (01635.HK) reported a revenue of approximately 3.449 billion yuan, down 5.8% year-on-year, with net profit of approximately 333 million yuan, an increase of 172.6% [2] Company News - China Biologic Products (01177.HK) received approval for the launch of Zongaitini tablets for the treatment of HER2-mutant non-small cell lung cancer [3] - Shandong High-Speed New Energy (01250.HK) reported a total operating power generation of approximately 3.6744 million MWh, an increase of approximately 6.9% year-on-year [3] - Fosun International (00656.HK) reached a settlement with Cainiao regarding a share buyback involving 350 million USD [3] Buyback Activities - Tencent Holdings (00700.HK) repurchased approximately 55 million HKD worth of shares, buying back 919,000 shares at prices ranging from 594.5 to 605 HKD [3] - China Hongqiao (01378.HK) repurchased approximately 22.7 million HKD worth of shares, buying back 8.9235 million shares at a price of 25.44 HKD [3] - HSBC Holdings (00005.HK) repurchased approximately 15.3 million HKD worth of shares, buying back 1.5276 million shares at prices ranging from 99.8 to 100.7 HKD [3] - Hang Seng Bank (00011.HK) repurchased approximately 2.3517 million HKD worth of shares, buying back 210,000 shares at prices ranging from 111.5 to 112.5 HKD [3] - MGM China (02282.HK) repurchased approximately 1.60602 million HKD worth of shares, buying back 1 million shares at prices ranging from 15.92 to 16.27 HKD [3] - Sinopec Engineering (02386.HK) canceled 136,500 shares that had been repurchased [3]

Core Viewpoint - Tianjin Bank has demonstrated a solid performance in the first half of 2025, focusing on enhancing its core competitiveness and service capabilities while implementing a dual strategy of "five battles" and "five accelerations" to support high-quality economic development [1][2]. Financial Performance - The bank achieved an operating income of 8.83 billion yuan, a year-on-year increase of 0.8% [2] - Total profit reached 2.14 billion yuan, up 4.9% year-on-year [2] - Net profit was 2.01 billion yuan, reflecting a 1.6% increase compared to the previous year [2] - The net interest margin remained stable at 1.47%, while the net interest spread increased by 0.01% to 1.56% [2] Asset and Liability Management - Total assets amounted to 965.675 billion yuan, growing by 4.3% from the previous year [2] - Loan balance increased by 6.9%, outpacing the asset growth rate by 2.6 percentage points [2] - Total liabilities reached 895.759 billion yuan, a 4.6% increase year-on-year [2] - Deposit balance grew by 6.6%, exceeding the liability growth rate by 2.0 percentage points [2] Risk Management - Non-performing loan ratio remained stable at 1.70% [2] - Provision coverage ratio improved to 171.29%, an increase of 2.08 percentage points from the previous year [2] - The bank ranked 185th in the 2025 World Bank 1000 list based on Tier 1 capital [2] Investment Returns - Earnings per share were 0.33 yuan, a 3.1% increase year-on-year [3] - The bank completed a cash dividend of 1.368 yuan per 10 shares, marking a 14.0% increase [3] Technological and Green Finance Initiatives - The bank has enhanced its technological financial capabilities, with loans to technology innovation enterprises increasing by 22.58% [4] - Green loan balance grew by 13.98%, with green bond underwriting and investment scales increasing by 533.7% and 45.5%, respectively [4] Inclusive Finance and Digital Transformation - The bank's inclusive finance initiatives led to a record high in loans to small and micro enterprises, increasing by 43.20% [5] - Digital banking services have expanded, with personal mobile banking users growing by 19.1% [6] Strategic Development - The bank is focusing on three new areas: technological innovation, industrial renewal, and urban renewal, to enhance overall development quality [7] - It has provided significant financial support for local government projects, with new loans amounting to 8.538 billion yuan [7] Retail Banking and Customer Engagement - The bank is building a new retail financial ecosystem, with personal deposits increasing by 8.3% and retail customer numbers exceeding 12 million [8] - The bank has actively engaged in community events and promotional activities to enhance customer interaction and service [8] Operational Efficiency - The bank's secondary market trading volume increased by 71%, with bond underwriting scales rising by 22% [9] - The bank has issued various financial products, achieving a nearly 100% performance rate for pure fixed-income products [9] Organizational Development - The bank has established a digital finance committee and expanded its strategic development committee to enhance research and technological integration [10] - It has conducted extensive training programs, covering over 45,000 participants, to improve employee capabilities [10]

【资料图】 智通财经APP讯，天津银行(01578)发布截至2025年6月30日止6个月中期业绩，集团营业收入人民币 88.28亿元，同比增长0.8%;权益持有人应占利润19.88亿元，同比增长1.1%;每股盈利0.33元。 资产总额人民币9,656.75亿元，较上年末增长4.3%，其中贷款余额较上年末增长 6.9%，较资产增速 高2.6个百分点;在天津地区贷款市场份额占比7.40%，排名全市第四。负债总额人民币8,957.6亿元，较 上年末增长4.6%，其中存款余额较上年末增长6.6%，较负债增速高2.0个百分点;在天津地区单位存款市 场份额占比10.65%，排名全市第一。 资产质量稳中向好，不良贷款率1.70%，较上年末持平;拨备覆盖率171.29%，较上年末上升2.08个 百分点。资本充足状况保持良好，资本充足率、一级资本充足率、核心一级资本充足率持续满足监管要 求，按照一级资本排名位列《银行家》杂志2025年世界银行1000强第185名。 标签： 财经频道 财经资讯 ...

资产质量稳中向好，不良贷款率1.70%，较上年末持平;拨备覆盖率171.29%，较上年末上升2.08个百分 点。资本充足状况保持良好，资本充足率、一级资本充足率、核心一级资本充足率持续满足监管要求， 按照一级资本排名位列《银行家》杂志2025年世界银行1000强第185名。 该信息由智通财经网提供 资产总额人民币9,656.75亿元，较上年末增长4.3%，其中贷款余额较上年末增长 6.9%，较资产增速高 2.6个百分点;在天津地区贷款市场份额占比7.40%，排名全市第四。负债总额人民币8,957.6亿元，较上 年末增长4.6%，其中存款余额较上年末增长6.6%，较负债增速高2.0个百分点;在天津地区单位存款市场 份额占比10.65%，排名全市第一。 智通财经APP讯，天津银行(01578)发布截至2025年6月30日止6个月中期业绩，集团营业收入人民币 88.28亿元，同比增长0.8%;权益持有人应占利润19.88亿元，同比增长1.1%;每股盈利0.33元。 ...

资产总额人民币9,656.75亿元，较上年末增长4.3%，其中贷款余额较上年末增长6.9%，较资产增速高2.6 个百分点；在天津地区贷款市场份额占比7.40%，排名全市第四。负债总额人民币8,957.6亿元，较上年 末增长4.6%，其中存款余额较上年末增长6.6%，较负债增速高2.0个百分点；在天津地区单位存款市场 份额占比10.65%，排名全市第一。 资产质量稳中向好，不良贷款率1.70%，较上年末持平；拨备覆盖率171.29%，较上年末上升2.08个百分 点。资本充足状况保持良好，资本充足率、一级资本充足率、核心一级资本充足率持续满足监管要求， 按照一级资本排名位列《银行家》杂志2025年世界银行1000强第185名。 格隆汇8月29日丨天津银行(01578.HK)公告，截至2025年6月30日止6个月中期业绩，实现营业收入人民 币88.3亿元，同比增长0.8%；利润总额人民币21.4亿元，同比增长4.9%；净利润人民币20.1亿元，同比 增长1.6%。 ...

资产总额人民币9,656.75亿元，较上年末增长4.3%，其中贷款余额较上年末增长6.9%，较资产增速高2.6 个百分点;在天津地区贷款市场份额占比7.40%，排名全市第四。负债总额人民币8,957.6亿元，较上年末 增长4.6%，其中存款余额较上年末增长6.6%，较负债增速高2.0个百分点;在天津地区单位存款市场份额 占比10.65%，排名全市第一。 天津银行(01578)发布截至2025年6月30日止6个月中期业绩，集团营业收入人民币88.28亿元，同比增长 0.8%;权益持有人应占利润19.88亿元，同比增长1.1%;每股盈利0.33元。 资产质量稳中向好，不良贷款率1.70%，较上年末持平;拨备覆盖率171.29%，较上年末上升2.08个百分 点。资本充足状况保持良好，资本充足率、一级资本充足率、核心一级资本充足率持续满足监管要求， 按照一级资本排名位列《银行家》杂志2025年世界银行1000强第185名。 ...

（股份代號：1578） 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） 自公司章程獲核准生效之日起，監事會及監事會下設專門委員會同步撤銷，本行 現任監事不再擔任本行監事及監事會下設專門委員會職務，彼等均已確認與本 行、董事會及監事會無意見分歧，亦無任何與本行不再設立監事會有關的其他事 項須提請本行股東注意，《天津銀行股份有限公司監事會議事規則》等監事會相關 公司治理制度相應廢止。 建議修訂公司章程、建議修訂股東會議事規則、 建議修訂董事會議事規則、建議修訂董事工作津貼 管理辦法及建議不再設立監事會 根據《中華人民共和國公司法》《上市公司章程指引》《上市公司獨立董事管理辦 法》《銀行保險機構公司治理準則》等法律法規和監管規定，天津銀行股份有限公 司（「本行」）擬修訂《天津銀行股份有限公司章程》（「公司章程」）、《天津銀行股份 有限 ...

Definitions This chapter defines key terms, currencies, company entities, geographical regions, regulatory bodies, and share types to ensure clear understanding of the interim report - This section defines key terms used in the interim report, including currencies (HKD, RMB), company entities (the Bank, Board of Directors, Supervisory Board), geographical regions (China, Hong Kong), regulatory bodies (National Financial Regulatory Administration, People's Bank of China), and various share types (domestic shares, foreign shares, H-shares), ensuring clear understanding of the report content[6](index=6&type=chunk)[7](index=7&type=chunk) [Company Profile and Basic Information](index=5&type=section&id=Company%20Profile%20and%20Basic%20Information) [Company Overview](index=5&type=section&id=I%20Company%20Overview) Bank of Tianjin, listed on HKEX, reported **RMB 965.67 billion** in total assets and **RMB 8.83 billion** in operating income as of June 2025 - Bank of Tianjin was established on November 17, 1996, originating from urban credit cooperatives, and began cross-regional operations in 2007, establishing branches in Beijing, Shanghai, Hebei, Shandong, and Sichuan[8](index=8&type=chunk) Key Financial Data as of June 30, 2025 | Indicator | Amount (RMB billion) | Growth from previous year-end (%) | | :--- | :--- | :--- | | Total Assets | 965.67 | 4.3 | | Total Liabilities | 895.76 | 4.6 | | Operating Income | 8.83 | 0.8 | | Total Profit | 2.14 | 4.9 | | Net Profit | 2.01 | 1.6 | [Basic Company Information](index=5&type=section&id=II%20Basic%20Company%20Information) This section details Bank of Tianjin's legal names, representatives, contact information, and H-share listing details Bank of Tianjin Basic Information | Indicator | Content | | :--- | :--- | | Legal Chinese Name | 天津銀行股份有限公司 | | Chinese Abbreviation | 天津銀行 | | Legal English Name | Bank of Tianjin Co., Ltd. | | English Abbreviation | Bank of Tianjin | | Legal Representative | Yu Jianzhong | | Stock Listing Venue | The Stock Exchange of Hong Kong Limited | | Stock Code | 1578 | - The Bank's auditors include KPMG Huazhen LLP (Special General Partnership) for domestic audits and KPMG for international audits[13](index=13&type=chunk) [Strategic Positioning and Corporate Culture](index=8&type=section&id=Strategic%20Positioning%20and%20Corporate%20Culture) [Strategic Positioning](index=8&type=section&id=I%20Strategic%20Positioning) Bank of Tianjin aims to become a leading regional bank, guided by national policies and serving high-quality economic development - Strategic Guidance: Guided by Xi Jinping Thought on Socialism with Chinese Characteristics for a New Era, fully implementing the spirit of the 20th CPC National Congress and the Central Financial Work Conference, and thoroughly implementing General Secretary Xi Jinping's important speeches during his inspection of Tianjin[15](index=15&type=chunk) - Development Goal: To build a modern, first-class regional bank that satisfies the municipal Party committee, reassures regulators, earns social praise, delights shareholders, and makes employees proud[15](index=15&type=chunk)[19](index=19&type=chunk) - Development Path: Strengthening the two contemporary genes of research and technology, building internal development capabilities to enhance core competitiveness, structuring external development resources to improve ecosystem services, reconstructing development mechanisms to boost value innovation efficiency, and deepening supply-side financial reform to excel in the 'Five Key Areas' of finance[16](index=16&type=chunk)[19](index=19&type=chunk) [Corporate Culture Philosophy System](index=9&type=section&id=II%20Bank%20of%20Tianjin%20Corporate%20Culture%20Philosophy%20System) Bank of Tianjin's corporate culture defines its vision, cooperation philosophy, development path, and risk management principles, emphasizing integrity and prudence - Vision: To build a modern, first-class regional bank that satisfies the municipal Party committee, reassures regulators, earns social praise, delights shareholders, and makes employees proud[19](index=19&type=chunk) - Cooperation Philosophy: Smart Tianjin Bank, Advancing Together Towards the Future[19](index=19&type=chunk) - Risk Philosophy: Upholding China's distinctive financial culture, adhering to principles of integrity, ethical profit-seeking, prudence, innovative compliance, and legal adherence, while maintaining 'five boundaries' (political, regulatory, operational, legal, capability) to prevent 'five major risks' (political, strategic, ecological, capability, operational)[19](index=19&type=chunk) [Honors, Awards, and Major Media Coverage](index=10&type=section&id=Honors%2C%20Awards%2C%20and%20Major%20Media%20Coverage) [Honors and Awards](index=10&type=section&id=I%20Honors%20and%20Awards) During the reporting period, Bank of Tianjin received multiple honors and awards, including ranking 185th in The Banker's Top 1000 World Banks 2025 - Ranked **185th** in The Banker's Top 1000 World Banks 2025[22](index=22&type=chunk) - Received financial bond underwriting awards such as the Export-Import Bank of China's 'High-Quality Belt and Road Initiative Construction Award' and Agricultural Development Bank of China's 'Rural Revitalization Pioneer'[22](index=22&type=chunk) - Awarded multiple wealth management and investment banking accolades, including the 'Jian An Qun Xing Hui Comprehensive Five-Star Award,' 'WIND Best Investment Bank,' and 'Wealth Management Income Pioneer Award'[22](index=22&type=chunk) - In FinTech innovation, received 'Excellent Case for FinTech Innovation Services' and 'China Digital Financial and Technological Innovation Application Excellent Case Award'[23](index=23&type=chunk) [Major Media Coverage](index=12&type=section&id=II%20Major%20Media%20Coverage) During the reporting period, Bank of Tianjin received extensive media coverage on its business development in inclusive finance, green finance, and FinTech - CNR reported Bank of Tianjin's 'Smart Inclusive Finance' achieved outstanding results in 2024, exceeding **RMB 20 billion**[26](index=26&type=chunk) - Xinhua Net repeatedly reported on Bank of Tianjin's initiatives in serving urban cultural heritage, deploying development 'transition,' empowering Binhai New Area's high-quality development, and deepening FinTech to enable new quality productive forces[26](index=26&type=chunk)[27](index=27&type=chunk)[32](index=32&type=chunk) - China Financial News and Tianjin Finance reported Bank of Tianjin's continuous deepening of green financial product and service innovation, strengthening financial security[30](index=30&type=chunk) - Xinhua News Agency reported Bank of Tianjin partnered with **10 entities** to establish a pension finance alliance[32](index=32&type=chunk) - CNR reported Bank of Tianjin upgraded payment services, facilitating convenient payments for the Davos Forum[33](index=33&type=chunk) [Summary of Accounting Data and Financial Indicators](index=18&type=section&id=Summary%20of%20Accounting%20Data%20and%20Financial%20Indicators) This section summarizes Bank of Tianjin's operating results, financial position, profitability, asset quality, and capital adequacy as of June 30, 2025 Operating Results for the Six Months Ended June 30, 2025 (RMB thousand) | Indicator | 2025 (RMB thousand) | 2024 (RMB thousand) | Change (%) | | :--- | :--- | :--- | :--- | | Interest Income | 15,142,643 | 15,953,844 | (5.1) | | Interest Expense | (9,219,329) | (9,922,051) | (7.1) | | Net Interest Income | 5,923,314 | 6,031,793 | (1.8) | | Investment Income | 1,266,927 | 1,498,719 | (15.5) | | Net Fee and Commission Income | 788,838 | 1,079,397 | (26.9) | | Net Trading Gains/(Losses) | 710,664 | 212,680 | 234.1 | | Operating Income | 8,828,439 | 8,756,662 | 0.8 | | Operating Expenses | (2,070,128) | (2,024,516) | 2.3 | | Impairment Losses | (4,629,974) | (4,702,872) | (1.6) | | Profit Before Tax | 2,138,770 | 2,038,561 | 4.9 | | Profit for the Period | 2,008,360 | 1,975,791 | 1.6 | | Earnings Per Share Attributable to Equity Holders of the Bank (RMB) | 0.33 | 0.32 | 3.1 | Key Asset/Liability Indicators as of June 30, 2025 (RMB thousand) | Indicator | As of June 30, 2025 (RMB thousand) | As of December 31, 2024 (RMB thousand) | Change (%) | | :--- | :--- | :--- | :--- | | Total Assets | 965,674,631 | 925,993,655 | 4.3 | | Of which: Customer Loans and Advances | 471,033,192 | 440,779,383 | 6.9 | | Total Liabilities | 895,758,652 | 856,583,512 | 4.6 | | Of which: Customer Deposits | 533,951,884 | 500,957,014 | 6.6 | | Equity Attributable to Equity Holders of the Bank | 69,043,443 | 68,547,411 | 0.7