Core Viewpoint - Tianjin Bank has shown significant improvements in its operations and market presence under the leadership of Chairman Yu Jianzhong, with a focus on achieving an asset scale of over 1 trillion yuan soon [1][8]. Financial Performance - For the first three quarters of 2025, Tianjin Bank reported operating income of 12.939 billion yuan, a year-on-year increase of 0.48%, and net profit of 3.527 billion yuan, up 5.47%, with a 3.9 percentage point increase in profit growth compared to the mid-term [2][10]. - As of September 30, 2025, the total assets of Tianjin Bank reached 968.903 billion yuan, growing by 4.63% since the beginning of the year, and total liabilities were 898.289 billion yuan, up 4.87% [4][12]. - The earnings per share for the first three quarters of 2025 was 0.57 yuan, reflecting a year-on-year growth of 3.64% [4][12]. Technological Empowerment - Under Yu Jianzhong's leadership, Tianjin Bank has prioritized technological empowerment as a core strategy for transformation, winning the third prize in the 2024 Financial Technology Development Award from the People's Bank of China for its "Twin Digital Bank" project [4][12]. - The bank has invested over 6 million yuan in AI projects from August to November 2025, resulting in a 90% reduction in work order filling time with the launch of a new AI assistant [4][12]. - The number of personal mobile banking customers increased by 23.15% since the beginning of the year, enhancing service channels and creating a customized marketing strategy [4][12]. Sector Focus - In the technology finance sector, as of September 30, 2025, loans to technology innovation enterprises grew by 26.21%, and the bank underwrote technology innovation bonds worth 4.784 billion yuan [6][14]. - In green finance, the balance of green loans increased by 14.37%, with green bond underwriting and investment amounts rising by 401% and 173% year-on-year, respectively [6][14]. - In the pension finance sector, Tianjin Bank established a pension finance alliance with 10 entities, leading to a 429.15% increase in corporate loans for the pension industry [6][14]. Management Transformation - Since Yu Jianzhong's appointment, Tianjin Bank has implemented a "transformation phase" approach, focusing on changing thoughts, concepts, and methods to enhance operational efficiency [7][15]. - The bank has formed a strategic research team of 16 members to support the drafting and improvement of its "14th Five-Year Plan," producing over 100 research outcomes related to macroeconomic and policy conditions [7][15]. - Despite progress, Tianjin Bank faces challenges, including a slow A-share listing process, remaining the only city commercial bank in a direct-controlled municipality that has not achieved A-share listing since its proposal in 2015 [7][15].
天津银行新帅上任两年记