Core Viewpoint - Tianjin Bank reported steady growth in its financial performance for the first three quarters of 2025, with operating income reaching 12.939 billion yuan, a year-on-year increase of 0.48%, and net profit of 3.527 billion yuan, up 5.47% [1][2] Financial Performance - The bank's asset scale reached 968.9 billion yuan, growing 4.63% from the beginning of the year, indicating a positive growth trend in operational performance [1] - Net interest income was 9.292 billion yuan, reflecting a year-on-year growth of 1.7%, with net interest margin and net interest spread both improving by 0.06 and 0.07 percentage points respectively compared to the full year of 2024 [2] Asset Management - Loan growth was recorded at 7.0%, which is 2.4 percentage points higher than the overall asset growth rate, demonstrating effective asset management [2] Liability Management - The bank implemented strict cost control measures, resulting in a 30 basis point decrease in overall deposit interest rates compared to 2024, with personal and corporate deposit rates decreasing by 28 and 32 basis points respectively [3] - The issuance of 15 billion yuan in financial bonds and optimization of interbank liability structure contributed to a reduction in interest costs [3] Innovation and Technology - Loans to technology innovation enterprises increased by 26.21% year-to-date, and the bank actively supported the construction of the "Technology Board" in the bond market, underwriting 4.784 billion yuan in technology innovation bonds [4] - The bank's digital financial services saw a 23.15% increase in personal mobile banking customers, and it launched an intelligent service platform for corporate clients, winning the "2025 Digital Financial Pioneer Award" [5][10] Green and Inclusive Finance - Green loan balances grew by 14.37%, with significant achievements in green financing initiatives, including the first energy efficiency evaluation-linked loan in Tianjin [4] - The bank's inclusive finance efforts led to a historical high in new microfinance loans, with a year-to-date growth of 34.71% in inclusive corporate loan balances [4] Cultural and Community Engagement - The bank engaged in community activities, including sponsoring the Tianjin Marathon and launching various cultural events, which contributed to a retail customer base of 12.4 million, with over 100,000 new effective payroll clients added this year [8] Research and Development - The establishment of a digital finance committee and a strategic research team aims to enhance the bank's research capabilities, focusing on macroeconomic trends and technological applications in finance [9]

Core Viewpoint - Tianjin Bank reported steady growth in its financial performance for the first three quarters of 2025, with operating income reaching 12.939 billion yuan, a year-on-year increase of 0.48%, and net profit of 3.527 billion yuan, up 5.47% [2][3] Financial Performance - The bank's asset scale reached 968.9 billion yuan, growing by 4.63% since the beginning of the year [2] - Loan growth was recorded at 7.0%, outpacing the overall asset growth by 2.4 percentage points [3] - Net interest income amounted to 9.292 billion yuan, reflecting a year-on-year increase of 1.7% [3] - The net interest margin and net interest spread improved by 0.06 and 0.07 percentage points, respectively, compared to the full year of 2024 [3] Liability Management - The bank implemented strict cost control measures, reducing interest expenses by 30 basis points compared to 2024 [4] - Personal deposit interest rates decreased by 28 basis points, while corporate deposit rates fell by 32 basis points [4] - The bank issued a total of 15 billion yuan in financial bonds and optimized its interbank liability structure, leading to a reduction in bond and interbank liability interest rates by 40 and 22 basis points, respectively [4] Innovation and Support for Key Sectors - Loans for technology innovation enterprises grew by 26.21% year-to-date, with the bank acting as the lead underwriter for technology innovation bonds totaling 4.784 billion yuan [5] - Green loans increased by 14.37%, with significant growth in green bond underwriting and investment [5] - The bank's inclusive finance initiatives led to a historic high in new inclusive corporate loans, with a year-to-date growth of 34.71% [5] Cultural and Community Engagement - The bank sponsored the 2023-2030 Tianjin Marathon, enhancing its brand image and business development [7] - The bank's retail customer base reached 12.4 million, with over 100,000 new effective payroll clients added during the year [7] Research and Development Focus - The establishment of a digital finance committee at the board level aims to integrate research and technology into the bank's strategic framework [8] - The bank has produced over 100 research papers on various topics, including macroeconomics and policy trends [8] - The bank's digital initiatives have led to the launch of 50 intelligent application scenarios, with 37 intellectual property rights granted [8]