Core Viewpoint - Tianjin Bank has demonstrated a solid performance in the first half of 2025, focusing on enhancing its core competitiveness and service capabilities while implementing a dual strategy of "five battles" and "five accelerations" to support high-quality economic development [1][2]. Financial Performance - The bank achieved an operating income of 8.83 billion yuan, a year-on-year increase of 0.8% [2] - Total profit reached 2.14 billion yuan, up 4.9% year-on-year [2] - Net profit was 2.01 billion yuan, reflecting a 1.6% increase compared to the previous year [2] - The net interest margin remained stable at 1.47%, while the net interest spread increased by 0.01% to 1.56% [2] Asset and Liability Management - Total assets amounted to 965.675 billion yuan, growing by 4.3% from the previous year [2] - Loan balance increased by 6.9%, outpacing the asset growth rate by 2.6 percentage points [2] - Total liabilities reached 895.759 billion yuan, a 4.6% increase year-on-year [2] - Deposit balance grew by 6.6%, exceeding the liability growth rate by 2.0 percentage points [2] Risk Management - Non-performing loan ratio remained stable at 1.70% [2] - Provision coverage ratio improved to 171.29%, an increase of 2.08 percentage points from the previous year [2] - The bank ranked 185th in the 2025 World Bank 1000 list based on Tier 1 capital [2] Investment Returns - Earnings per share were 0.33 yuan, a 3.1% increase year-on-year [3] - The bank completed a cash dividend of 1.368 yuan per 10 shares, marking a 14.0% increase [3] Technological and Green Finance Initiatives - The bank has enhanced its technological financial capabilities, with loans to technology innovation enterprises increasing by 22.58% [4] - Green loan balance grew by 13.98%, with green bond underwriting and investment scales increasing by 533.7% and 45.5%, respectively [4] Inclusive Finance and Digital Transformation - The bank's inclusive finance initiatives led to a record high in loans to small and micro enterprises, increasing by 43.20% [5] - Digital banking services have expanded, with personal mobile banking users growing by 19.1% [6] Strategic Development - The bank is focusing on three new areas: technological innovation, industrial renewal, and urban renewal, to enhance overall development quality [7] - It has provided significant financial support for local government projects, with new loans amounting to 8.538 billion yuan [7] Retail Banking and Customer Engagement - The bank is building a new retail financial ecosystem, with personal deposits increasing by 8.3% and retail customer numbers exceeding 12 million [8] - The bank has actively engaged in community events and promotional activities to enhance customer interaction and service [8] Operational Efficiency - The bank's secondary market trading volume increased by 71%, with bond underwriting scales rising by 22% [9] - The bank has issued various financial products, achieving a nearly 100% performance rate for pure fixed-income products [9] Organizational Development - The bank has established a digital finance committee and expanded its strategic development committee to enhance research and technological integration [10] - It has conducted extensive training programs, covering over 45,000 participants, to improve employee capabilities [10]

Core Insights - Tianjin Bank is focusing on the integration of port, industry, and city development, advancing the construction of the Northern International Shipping Core Area to create a new ecosystem for shipping finance that is open, innovative, and efficient [1] Product Matrix Upgrade - The bank is enhancing its product offerings to address industry pain points by integrating smart technology with cross-border finance, particularly through the "Smart Trade Pass" product matrix [2] - The "Tianxing Easy Remittance" product improves cross-border remittance experiences with features like payment pre-verification and real-time tracking, significantly enhancing fund turnover efficiency for port logistics and SMEs [2] - The "Smart Freight Pass" product digitizes the entire process of domestic USD payments for international shipping, reducing processing time to 3 minutes and improving efficiency by over 95%, while also decreasing costs by 70% [2] Strategic Collaboration Deepening - The bank is supporting the upgrade of the port economy through strategic cooperation with state-owned enterprises and has introduced the first "Shipping Themed Bond Basket" in the interbank market to broaden financing channels for port green and smart upgrades [3] - Financing to the port economy and state-owned foreign trade enterprises in Tianjin has increased by 33.31% year-on-year, while financing to shipping logistics enterprises in the region has surged by 172.41% [3] - The bank is enhancing financial support for the "Belt and Road" initiative, exemplified by a strategic cooperation agreement with Huahai Communication Technology Co., Ltd. for cross-border guarantee credit support for submarine cable projects [3] Service Ecosystem Construction - A new comprehensive shipping financial service plan has been launched, providing diversified financial services to support shipping logistics enterprises [4] - The bank has introduced a dedicated shipping wealth management product and developed a multilingual version of its mobile banking app to facilitate the lives of foreign individuals in Tianjin [4] - Future plans include strengthening the financial service ecosystem around "port + industry + city" and enhancing research and technology capabilities to support integrated development and the "Belt and Road" initiative [4]

Core Insights - The third Tianjin International Shipping Industry Expo was held, showcasing Tianjin Bank's innovative achievements and strategic layout in shipping finance [1][4] - Tianjin Bank presented a comprehensive financial service solution for the shipping industry, emphasizing integration of ports, industries, and cities [4][6] Financial Solutions - Tianjin Bank introduced a new comprehensive shipping financial service plan featuring a structure of "one access, dual core drive, and full chain connection," which includes shipping payment settlement, credit financing, and comprehensive services [4] - The bank's promotional area highlighted key themes such as technology finance, green finance, inclusive finance, pension finance, and digital finance, showcasing its core achievements in various sectors [4] Interactive Experience - The interactive area and service desk attracted significant attention, featuring a VR game focused on shipping finance, a rowing machine promoting low-carbon concepts, and a lottery for added engagement [6] - The reception area provided professional services, including business consultations, convenient card issuance, and precise investment management, enhancing customer experience [6] Strategic Development - Tianjin Bank has deepened strategic cooperation with state-owned enterprises and upgraded its "Smart Trade" product matrix, launching intelligent cross-border financial products [6] - The bank's financing to the port economy and state-owned foreign trade industries in Tianjin increased by 33.31% year-on-year, while financing to local shipping logistics companies surged by 172.41% [6] Future Outlook - Tianjin Bank aims to continuously improve its financial service ecosystem integrating ports, industries, and cities, while enhancing its research and technology capabilities in the shipping finance sector [7]