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]