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].

Core Viewpoint - The event organized by Tianjin Bank Jinan Branch combines traditional copper craftsmanship with financial consumer protection education, creating an engaging cultural experience for the public [1][7]. Group 1: Event Overview - The event featured a theme of "Financial Consumer Protection, Accompanying You," integrating financial knowledge into the experience of intangible cultural heritage [1]. - Participants had the opportunity to engage in hands-on copper engraving, guided by a master craftsman, which made abstract financial concepts tangible [2][4]. Group 2: Educational Aspects - The copper engravings created during the event symbolized various financial rights, such as property security and the right to information, making financial consumer protection knowledge more accessible [2][4]. - A consultation area was set up to provide practical advice on preventing telecom fraud and protecting personal information, ensuring that professional content was relatable to the public [4]. Group 3: Cultural Impact - The event successfully broke traditional consumer protection promotion models by using cultural heritage as a medium, enhancing the emotional connection to financial education [7]. - Feedback from participants indicated that the experience was enjoyable and memorable, helping them to easily remember key points about financial safety [7]. Group 4: Future Directions - Tianjin Bank plans to continue innovating by exploring more possibilities of integrating intangible cultural heritage with financial services, aiming to enhance cultural transmission while ensuring consumer protection [7].

Core Viewpoint - Tianjin Bank is approaching the "trillion club" with total assets reaching 965.675 billion yuan, but faces challenges in various business segments, including a significant decline in intermediary business income and personal loan volume [1][3][5] Group 1: Financial Performance - As of June 2025, Tianjin Bank's total assets increased by 4.3% year-on-year, nearing the trillion yuan mark [3] - The bank reported operating income of 8.83 billion yuan and net profit of 2.01 billion yuan for the first half of 2025, reflecting growth rates of 0.8% and 1.6% respectively, although these rates have slowed compared to previous years [5] - The decline in intermediary business income, particularly a 26.9% drop in net commission and fee income, has significantly impacted overall profitability [5][6] Group 2: Business Challenges - Tianjin Bank's intermediary business income has faced ongoing challenges, with a notable decline in recent years due to market conditions and regulatory changes [6][7] - The bank's investment income has shown volatility, with a significant drop to 1.27 billion yuan in the first half of 2025, a decrease of 15.5% year-on-year [7][8] - The personal loan business has been shrinking, with a decrease from 134.982 billion yuan in 2020 to 89.41 billion yuan by mid-2025, marking an 8.1% decline in the first half of 2025 [10][11] Group 3: IPO and Market Position - Tianjin Bank has been in the A-share IPO counseling process for ten years, currently stalled due to pending external approvals [13][14] - The bank's position among 30 listed city commercial banks is mid-tier, ranking 13th, but it has made progress in asset scale and market competitiveness [3][4] - The changing regulatory environment and market conditions have made it difficult for regional banks like Tianjin Bank to achieve IPOs, necessitating a focus on improving operational capabilities and financial technology investments [14][15]

Core Viewpoint - The company is experiencing significant changes in its financial performance, with notable fluctuations in revenue and net profit growth rates over recent years, indicating potential challenges and opportunities in its operations [9][10][11]. Financial Performance - The company's revenue and net profit growth rates have shown a downward trend, with a revenue growth rate of -10.94% in 2021 and a slight recovery to 4.42% in 2023 [9]. - For the first half of 2025, the company reported a net profit margin of 2.91%, which is a decrease of 0.1 percentage points compared to the same period last year [17]. Revenue Composition - In the first half of 2025, the revenue composition was as follows: corporate banking business contributed 47.208 billion, personal banking business contributed 19.072 billion, and funding operations contributed 47.262 billion [10][13]. Cash Flow Analysis - The company reported a negative net cash flow from operating activities of -539.34 billion for the first half of 2025, while financing activities generated a positive cash flow of 355.43 billion [20]. Asset and Liability Changes - As of the first half of 2025, the company saw a significant increase in financial assets purchased under resale agreements, which rose by 65916.43%, while cash and cash equivalents decreased by 32.8% [25]. - The company's liabilities also changed, with bonds payable increasing by 34.37% and deposits from customers and interbank deposits rising by 0.98% [28]. Asset-Liability Ratio - The company's asset-liability ratio has been fluctuating, with the latest data indicating a ratio that is consistent with industry averages and medians [30].

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8月31日 狀態: 新提交 FF301 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9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 | | ...

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） 將於2025年9月25日（星期四）舉行的2025年第一次臨時股東會的代表委任表格 | | 特別決議案 | 贊成4 | 反對4 | 棄權4 | | --- | --- | --- | --- | --- | | 1. | 審議及批准關於不再設立監事會相關事項的議案。 | | | | | 2. | 審議及批准建議修訂公司章程。 | | | | | | 普通決議案 | 贊成4 | 反對4 | 棄權4 | | 3. | 審議及批准建議修訂股東會議事規則。 | | | | | 4. | 審議及批准建議修訂董事會議事規則。 | | | | | 5. | 審議及批准建議修訂董事工作津貼管理辦法。 | | | | 日期：2025年 簽署5 ： 附註： 1. 請填上以 閣下名稱登記與本代表委任表格有關的股份數目。如未有填上數目，則本代表委任表格將被視為與以 閣下名義登記的全部本行股份有關。另請填上與 本代表委任表格有關的相關股份類別（H股或內資股）。為根據監管規定釐定 閣下是否有權 ...

茲通告天津銀行股份有限公司*（「本行」）謹定於2025年9月25日（星期四）上午10 時00分假座天津銀行東樓辦公區（中國天津市河西區友誼路15號）舉行2025年第一次臨 時股東會（「臨時股東會」）。 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通告的內容概不負責，對其準確性或完 整性亦不發表任何聲明，並明確表示，概不對因本通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） 2025年第一次臨時股東會通告 本行股東將於臨時股東會上審議及酌情批准下列決議案： 特別決議案 普通決議案 報告事項 1. 聽取本行主要股東2024年度依法履職和履約情況的評估報告。 承董事會命 天津銀行股份有限公司* 于建忠 董事長 中國天津 2025年9月3日 – 1 – 1. 審議及批准關於不再設立監事會相關事項的議案。 2. 審議及批准建議修訂公司章程。 3. 審議及批准建議修訂股東會議事規則。 4. 審議及批准建議修訂董事會議事規則。 5. 審議及批 ...

此乃要件 請即處理 如 閣下對本通函任何方面或應採取的行動有任何疑問，應諮詢 閣下的股票經紀或其他註冊證券商、銀 行經理、律師、專業會計師或其他專業顧問。 如 閣下已出售或轉讓名下所有天津銀行股份有限公司股份，應立即將本通函連同代表委任表格交給買方 或承讓人，或送交經手買賣或轉讓的銀行、持牌股票經紀或其他代理商，以便轉交買方或承讓人。 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通函的內容概不負責，對其準確性或完整性亦 不發表任何聲明，並明確表示，概不對因本通函全部或任何部份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） 關於不再設立監事會相關事項的議案 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 2025年第一次臨時股東會通告 本行謹定於2025年9月25日（星期四）上午10時00分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2025年第一次臨時股東會，召開2025年第一次 ...