The operating status of Tianjin Bank

During the reporting period, in accordance with the requirements of the Scientific Outlook on Development, the Bank conscientiously implemented various national macro-control policies, deepened reforms, and increased innovation. The development of various businesses continued to maintain rapid growth, and the asset scale jumped to The Bank has reached a new level, with asset quality significantly improved, economic benefits further improved, all aspects of the bank's work showing a good development trend, and operating indicators reaching record highs. During the reporting period, the Bank completed the reelection of the Board of Directors and the Board of Supervisors, adjusted the special committees of the Board of Directors and the Board of Supervisors, and revised the working rules of the Board of Directors and the Board of Supervisors and the working rules of the committees of the Board of Directors and Supervisors in accordance with the requirements of the "Corporate Governance Guidelines" to clarify the company's The boundaries of responsibilities of governance entities have improved the organizational structure of “three meetings and one layer”. The board of directors has formulated and promulgated a series of systems such as Interim Measures for Internal Information Reporting, Information Disclosure Management Measures, Related Party Transaction Management Measures and Internal Audit Measures. The Board of Supervisors has established a performance evaluation system for directors and supervisors. The soundness and effectiveness of the Bank’s corporate governance have been significantly improved.

The Bank insists on focusing on controlling credit risk, operational risk and market risk, and continuously strengthens the construction of a comprehensive risk management system. By establishing a risk early-warning system for large-amount loan customers, we have strengthened the management of special administrators for large-amount loans, strengthened the dual control and dual-responsibility system for small-amount loans and the risk responsibility identification and accountability system, from marketing, review, approval, accounting, post-loan, Process-based management and control of asset risks has been realized in various aspects such as disposal of non-performing assets and accountability. By developing a capital transaction and management system, we will gradually build a system for identifying, measuring, monitoring, and controlling market risks. By deepening the special management of cases, establishing a compliance leadership group and legal compliance department, establishing a compliance management framework, and improving central functions such as cash management and accounting, the internal control system has been further strengthened. Our bank is the only bank in this city’s financial system that has five qualifications, including being a primary dealer for the open market business of the People’s Bank of China and a primary member of the national foreign exchange trading market. It can operate bond settlement agency business nationwide and can communicate with all legal entities. The client carries out businesses such as spot trading and reverse repurchase. During the reporting period, affected by macroeconomic control and exchange reform, money market funds were relatively abundant and interest rates were low. The Bank promptly seized opportunities, proactively adjusted bond terms, interest rates and variety structures, intensified investment operations, and continuously improved income levels. The annual transaction volume was close to 1 trillion yuan, an increase of 50% over the previous year. It also actively participated in innovative businesses such as short-term financing bonds and asset-backed securities, established a separate account management system for bond business, and strengthened the supervision and management of capital operations.

In terms of corporate business, the Bank explores new areas and scopes of cooperation, determines long-term regular and institutional maintenance measures for key customers, and gradually forms centralized settlement, credit, bank acceptance, bill financing, international Business, personal business, intermediary business, online banking and other supporting services, corporate deposits exceeded 60 billion yuan in one fell swoop, reaching 64.3 billion yuan, ranking second in Tianjin. In order to strengthen the service brand of small and medium-sized enterprises and highlight the characteristics of small and medium-sized enterprise banks and citizen banks, new financing varieties such as revolving loans, small installment loans, and construction machinery mortgage loans have been launched to meet the financing needs of small and medium-sized enterprises and individual entrepreneurship at different stages of development. As of the end of the reporting period, the balance of small and medium-sized enterprise loans reached 16.27 billion yuan, an increase of 4.19 billion yuan over the previous year, accounting for 39.5% of the bank's total loans; the number of small and medium-sized enterprises reached 959, accounting for 89% of the bank's total corporate customers, optimizing Bank-wide credit asset structure.

In terms of personal financial business, during the reporting period, the Bank took measures such as focusing on services, improving service facilities at business outlets, enhancing customer service center functions, and enriching personal financial products, thus reversing the diversion of savings deposits. ; At the same time, the Bank also actively cooperates with securities companies and timely launches third-party custody business for securities companies' customer margin accounts; and relies on the Bank's advantages in outlets and customer resources to continue to expand the depth and breadth of bancassurance cooperation. At the end of the reporting period, the balance of savings deposits was 19.04 billion yuan. During the reporting period, the Bank established a personal loan center and rebuilt a credit card center to achieve professional and process-based approval of personal loan business and card business. By establishing and improving the business operation mechanism and intensifying product development, new products such as "remortgage", "revolving loan" for personal consumption and Hong Kong travel cards were launched to the market. We signed a cooperation agreement with Hua'an Insurance Company and were the first in the city. Promote a new model of commercial school loans. During the reporting period, a total of 1.38 billion yuan of personal consumption loans were issued, an increase of 36.3% over the previous year. The "Jin" card can handle inter-bank cash withdrawals in more than 300 cities. There were 11.36 million debit card transactions throughout the year, with an amount of more than 11.36 million. 13 billion yuan; more than 11,000 new credit cards have been added, and the active card rate is 62%, leading the city.

During the reporting period, the Bank’s treasury business overcame difficulties such as the large fluctuations in RMB interest rates. By adjusting the bond investment portfolio, controlling the duration of the bond portfolio, increasing the investment scale of RMB short-term bonds and floating-rate bonds, and avoiding interest rates risk; at the same time, we accurately judged the changes in bonds and market interest rates, increased investment scale and transaction frequency, and purchased and sold bonds for the year reaching 560 billion yuan, realizing a spread income of 25.4 million yuan, and financing a total of 136 billion yuan throughout the year, achieving inter-bank transactions Interest income was 93.7 million yuan, an increase of 38.5 million yuan over the previous year. During the reporting period, the Bank also obtained the qualification for bilateral quotations for bond purchases and sales, was awarded the title of Outstanding Settlement Member of the National Inter-bank Bond Market, and ranked 8th in the comprehensive ranking of ChinaBond Valuation Members, laying a solid foundation for the Bank to apply for the qualification of a bond market maker. Good foundation.

Tianjin Bank Personal Consumption Mortgage Loan Institution: Tianjin Bank Institution Type: Small Loan Bank Loan Type: Mortgage Loan Repayment Method: Borrow and Repay at Any Time Loan Amount: 1.00 - 2.00000000 Suitable Region: Tianjin Loan Currency: RMB Suitable People: Other occupations, civil servants, lawyers Loan interest rate: 0.55%-0.60% Loan term: 12.00 months - 360.00 months Processing time: 5 days Loan purpose: Personal consumption loan Other fees: No other fees Product introduction:

This loan type is a loan product implemented by Tianjin Bank in Tianjin area. It is a mortgaged personal consumption loan product. Applicants need to provide local real estate in Tianjin as collateral. The maximum loan amount of this loan product is 2 million, and the maximum loan period is 30 years. Repayment can be made in advance without penalty.

Product advantages:

1. The loan amount can reach up to 2 million

2. The mortgage ratio can reach up to 70%

3. The minimum loan interest rate is 10% above the base interest rate

4. The maximum loan period is 30 years

Loan conditions:

House age requirement: maximum No more than 20 years;

Area requirement: minimum 40 square meters;

Real estate location: Tianjin;

Collateral type: residences, shops, office buildings .

Application materials:

1 ID cards of both spouses

2 Husband and wife household registration book

3 Marriage certificate of couple

4Original real estate certificate

5Bank statement of business records for the past six months

6Proof of purpose