Bank of Tianjin released its 2025 Sustainable Information Disclosure Report, detailing continued balance-sheet expansion, targeted green-finance deployment and measurable progress on carbon-reduction goals.

Financial Performance • Total assets rose 6.09 % year on year to RMB 982.40 billion. • Operating income increased 1.47 % to RMB 16.96 billion. • Net profit reached RMB 3.93 billion, up 2.59 %. • Deposit balance climbed to RMB 541.12 billion, while the non-performing loan ratio held steady at 1.70 %. • Capital adequacy ratio stood at 13.13 %; allowance coverage improved to 171.56 %.

Green & Sustainable Finance • Green-loan book expanded 15.18 % to RMB 39.63 billion. • Issued RMB 5.00 billion in green financial bonds; underwrote RMB 4.96 billion and invested RMB 7.41 billion in green bonds. • Green financial-leasing balance grew 31.34 % to RMB 4.68 billion. • ESG-themed wealth-management products reached RMB 882.00 million, a 16 % increase. • Sustainability-linked bond issuance totaled RMB 100.00 million.

Innovation & Inclusive Finance • Loans to technology-innovation enterprises surged 38.19 % year on year. • The bank piloted products such as “Venture Guaranteed Loan”, “R&D Loan” and launched a personal carbon-account platform covering four usage scenarios. • Inclusive-finance campaign supported 2,001 micro and small businesses, granting RMB 7.23 billion in credit and disbursing RMB 5.68 billion in loans.

Social Impact • Elderly-care loan balance jumped 483.98 % to RMB 2.06 billion; 217 outlets obtained elderly-friendly certification. • Volunteer service hours reached 2,238, and external donations exceeded RMB 14.31 million, backing rural revitalisation, education and community projects.

Environmental Footprint • Comprehensive energy use fell 3.95 % year on year to 57,332.71 MWh. • Total GHG emissions (Scopes 1 + 2) declined 5.53 % to 30,151.09 tCO₂e; Scope 1 emissions dipped 0.14 %, Scope 2 dropped 6.13 %. • Scope 3 emissions, including business travel and commuting, were 621.86 tCO₂e.

Governance & Risk • The board embeds ESG oversight through a dedicated committee and has integrated climate-risk stress tests into credit management. • Bank of Tianjin became the first listed PRC bank to obtain dual domestic and international compliance-management certifications (GB/T 35770-2022 / ISO 37301).

Outlook The bank plans to continue growing green-finance volumes, reinforce digital transformation via its new Digital Finance Committee, and maintain its focus on “technology finance, industrial upgrading and urban renewal” while targeting further reductions in operational emissions.