本季度信息
截至2026年6月30日，天津银行实现营业收入85.00亿元，同比下降3.7%。经调整净利润（Non-GAAP）为18.70亿元，同比下降6.6%。本期经营利润20.80亿元，同比下降2.6%。经营现金流方面，报告期内经营活动现金净流出约21.38亿元，较上年同期的负53.93亿元有大幅收窄。期内整体成本进一步优化，其中营业支出20.48亿元，同比减少1.1%。职工薪酬费用同比增长2.1%，折旧及攤销同比减少4.0%，其他一般营业及行政费用同比增长13.8%。本期成本收入比为22.76%，较上年同期上升0.66个百分点。
业务分项
公司银行业务板块营收47.53亿元，同比增长0.7%。分析显示，该板块得益于持续提升对实体经济的支持力度，带动信贷投放与新型业务场景落地。个人银行业务板块营收20.29亿元，同比下降8.9%。此次变化主要与个人贷款规模结构调整及转型节奏变化相关。资金营运业务营收17.17亿元，同比下降10.0%，在市场利率波动环境下，本期投资及交易业务规模相应调整。
高管解读
（无相关高管原话披露，内容从略）
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