Core Insights - Tianjin Bank reported a slight increase in operating income and net profit for the first half of 2025, indicating stable financial performance amidst a challenging economic environment [1] Financial Performance - Operating income reached 8.83 billion yuan, a year-on-year increase of 0.8% [1] - Total profit amounted to 2.14 billion yuan, reflecting a growth of 4.9% year-on-year [1] - Net profit was recorded at 2.01 billion yuan, up by 1.6% compared to the previous year [1] - Net interest margin stood at 1.47%, unchanged from 2024, while net interest spread increased by 0.01% to 1.56% [1] Asset and Liability Overview - Total assets reached 965.675 billion yuan, growing by 4.3% from the end of the previous year [1] - Loan balance increased by 6.9%, outpacing the asset growth rate by 2.6 percentage points [1] - Market share of loans in Tianjin was 7.40%, ranking fourth in the city [1] - Total liabilities were 895.76 billion yuan, up by 4.6% year-on-year [1] - Deposit balance grew by 6.6%, exceeding the liability growth rate by 2.0 percentage points [1] - Market share of deposits in Tianjin was 10.65%, ranking first in the city [1] Asset Quality and Capital Adequacy - Non-performing loan ratio remained stable at 1.70% as of the end of the first half [1] - Provision coverage ratio improved to 171.29%, an increase of 2.08 percentage points from the previous year [1] - Capital adequacy ratios continued to meet regulatory requirements, with the bank ranked 185th in the 2025 World's Top 1000 Banks by The Banker magazine based on Tier 1 capital [1]
天津银行：上半年实现净利润20.1亿元，同比增长1.6%