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].
天津银行中期业绩出炉，每股收益同比提升3.1%