Core Viewpoint - Tianjin Bank (01578.HK) has announced the board's approval to appoint Mr. Han Liang as an independent non-executive director, pending shareholder and regulatory approval [1] Group 1: Appointment Details - The board has reviewed and approved the proposal to appoint Mr. Han Liang as the eighth independent non-executive director [1] - The appointment requires approval from the bank's shareholders at a general meeting and must also receive formal qualification approval from the Tianjin Financial Regulatory Bureau [1] Group 2: Committee Membership - Upon receiving formal approval from the Tianjin Financial Regulatory Bureau, Mr. Han will serve on the Board Development Strategy Committee, the Board Audit Committee, and the Board Related Party Transaction Control Committee [1]

Core Viewpoint - Tianjin Bank (01578) has announced the proposal to appoint Mr. Han Liang as an independent non-executive director of the eighth board of directors, pending approval from shareholders and the Tianjin Financial Regulatory Bureau [1] Group 1 - The appointment of Mr. Han Liang as an independent non-executive director requires approval at the shareholders' meeting [1] - The qualification of Mr. Han Liang must also be formally approved by the Tianjin Financial Regulatory Bureau [1] - Upon receiving formal approval, Mr. Han Liang will serve on the Board's Development Strategy Committee, Audit Committee, and Related Party Transaction Control Committee [1]

Core Viewpoint - Tianjin Bank (01578) has announced the proposal to appoint Mr. Han Liang as an independent non-executive director of the eighth board of directors, pending shareholder and regulatory approval [1] Group 1: Appointment Details - The appointment of Mr. Han Liang as an independent non-executive director requires approval from the bank's shareholders at a general meeting [1] - The qualification of Mr. Han Liang must also receive formal approval from the Tianjin Bureau of Financial Supervision [1] Group 2: Committee Membership - Upon receiving formal approval from the Tianjin Financial Supervision Bureau, Mr. Han will serve on the Board's Development Strategy Committee, Audit Committee, and Related Party Transaction Control Committee [1]

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） 建議委任獨立非執行董事 天津銀行股份有限公司*（「本行」）董事會（「董事會」）已審議通過相關議案，建議 委任韓良先生（「韓先生」）為本行第八屆董事會獨立非執行董事。根據本行公司章 程，建議委任韓先生為獨立非執行董事須經本行股東於股東會上批准，亦須獲國 家金融監督管理總局天津監管局（「天津金融監管局」）正式批准其資格。自韓先生 獨立非執行董事任職資格獲天津金融監管局正式批准之日起，韓先生將擔任董事 會發展戰略委員會、董事會審計委員會、董事會關聯交易控制委員會委員職務。 韓先生履歷詳情載列如下： 1 韓先生在經管、法律、資本市場研究等方面具有紮實的學術底蘊和豐富的應用經 驗，選舉韓先生擔任本行獨立非執行董事有利於董事會持續有效地開展工作，符 合本行董事會成員多元 ...

Core Insights - The issuance of "Tianjin Tianbao Commercial Factoring Co., Ltd. 2025 Annual Tianjin Free Trade Zone Phase I Technology Innovation Targeted Asset-Backed Securities" was successfully completed in the interbank bond market, with a total issuance scale of 495 million yuan [1] Group 1: Issuance Details - The securities have a two-year term and are backed by accounts receivable from small and medium-sized technology enterprises in the Tianjin Port Free Trade Zone [1] - The priority A class has a coupon rate of 2.7%, while the priority B class has a coupon rate of 2.5% [1] - Credit enhancement for the priority B class is provided by Tianjin Guokang Credit Enhancement Co., Ltd., with both classes receiving a credit rating of AAA [1]

Core Viewpoint - The company, Chenyi Intelligent, plans to acquire a 55% stake in Huaze Electronics, gaining control over the company, which specializes in automotive communication and sensor products, aligning with its strategic development goals in the smart automotive sector [1][2]. Group 1: Acquisition Details - The acquisition will be conducted in cash and is aimed at obtaining controlling interest in Huaze Electronics, which produces products such as in-car communication microphones and tire pressure sensors [1]. - Huaze Electronics has committed to achieving net profits of 47 million, 48 million, and 55 million yuan for the years 2025, 2026, and 2027 respectively, with a total profit commitment of no less than 150 million yuan [1]. Group 2: Strategic Significance - This acquisition is expected to provide Chenyi Intelligent with access to Huaze Electronics' technology, customer resources, and market channels, facilitating entry into the smart automotive cockpit control market [2]. - Post-acquisition, the company will diversify its business structure to include smart remote controls, smart home controllers, and smart automotive cockpit control products, reducing reliance on a single business and enhancing overall risk resilience [2]. Group 3: Current Business Landscape - Chenyi Intelligent is currently focused on the research, production, and sales of smart remote controls and other smart control devices, with strategic expansions into smart home and automotive cockpit products [1][2]. - The company has developed a comprehensive IoT product system covering various scenarios, including smart home and automotive applications, with positive market feedback on new products [2].

Core Viewpoint - The company, Chenyi Intelligent, plans to acquire 55% of Huaze Electronics to gain control, enhancing its position in the smart automotive cockpit market and diversifying its business structure [1][2][3] Group 1: Acquisition Details - The acquisition involves cash payment for 55% equity held by four parties, including Shen Shengmeng and Shenzhen Kanggao Electronics [1] - Huaze Electronics specializes in automotive communication products, including voice recognition microphones and tire pressure sensors, serving major domestic automotive manufacturers [1] Group 2: Financial Commitments - The performance commitments for Huaze Electronics include net profits of 47 million, 48 million, and 55 million yuan for the years 2025, 2026, and 2027, respectively, totaling no less than 150 million yuan [2] Group 3: Strategic Significance - The acquisition aligns with the company's strategic development plan, allowing it to quickly access Huaze Electronics' technology, customer resources, and market channels, facilitating entry into the smart automotive cockpit sector [2][3] - Post-acquisition, the company will diversify its business structure to include smart automotive cockpit products, reducing reliance on a single business and enhancing overall risk resilience [3] Group 4: Product Development - The company has been expanding its product offerings in the smart home and automotive sectors, developing a comprehensive IoT product system that includes smart panels and vehicle entertainment microphones [3][4] - New products have received positive market feedback, contributing to the establishment of a cross-scenario smart product ecosystem [4]

Core Points - A lawsuit was filed by Mr. Zhu against Tianjin Bank Jinan Branch for illegally issuing internet loans to students, resulting in a settlement where the bank refunded interest amounting to 2186.53 yuan [2] - Mr. Zhu borrowed a total of 18500 yuan from Tianjin Bank Jinan Branch through four loans between November 2021 and July 2022 while being a full-time graduate student [3] - The issuance of loans to students is deemed illegal according to the regulatory notice issued by the former China Banking and Insurance Regulatory Commission, which prohibits targeting students for internet consumer loans [3][4] Regulatory Context - The regulatory notice emphasizes that small loan companies must verify the identity of loan customers and are prohibited from marketing loans to university students [3] - Financial institutions are required to maintain risk management systems and conduct thorough pre-loan assessments while ensuring that loans to students are not provided without proper regulatory approval [4]

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]