Tianjin Bank: Achieve a net profit of 3.93 billion yuan in 2025, a year-on-year increase of 2.6%

On March 30, Tianjin Bank released its 2025 annual performance announcement. In 2025, the bank achieved operating revenue of RMB 16.95 billion, up 1.5% year over year; achieved total profit of RMB 4.36 billion, up 3.7% year over year; and achieved net profit of RMB 3.93 billion, up 2.6% year over year. The interest-bearing liabilities’ interest rate declined by 35 basis points year over year, and the deposit interest rate declined by 34 basis points year over year; it recorded a net interest margin of 1.53% and a net interest spread of 1.61%, both up 0.06 percentage points year over year.

In 2025, Tianjin Bank achieved earnings per share of RMB 0.64, up 1.6% year over year. It proposed a cash dividend of RMB 1.368 per 10 shares, to be implemented after approval by the shareholders’ meeting. With the valuation in the capital markets stabilizing and recovering, the bank’s full-year share price increased by 36.8%.

As of the end of 2025, Tianjin Bank’s total assets were RMB 982.40 billion, up 6.1% from the beginning of the year. Of this, outstanding loans totaled RMB 479.42 billion, up 8.8% from the beginning of the year; total liabilities were RMB 911.25 billion, up 6.4% from the beginning of the year. Of this, outstanding deposits totaled RMB 541.11 billion, up 8.0% from the beginning of the year.

As of the end of 2025, Tianjin Bank’s non-performing loan ratio was 1.70%, unchanged from the end of the previous year; its provision coverage ratio was 171.56%, up 2.35 percentage points from the end of the previous year. Capital adequacy conditions remained sound, and the capital adequacy ratio, the tier-1 capital adequacy ratio, and the core tier-1 capital adequacy ratio continued to meet regulatory requirements.

(Tianjin Bank)

(Editor: Qian Xiaorui)

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