On February 5th, the Tianjin Branch of the People's Bank of China held a press conference to announce the city's financial performance for the year 2025.

Data revealed that over the past year, Tianjin's cumulative incremental aggregate financing to the real economy exceeded 500 billion yuan, an increase of 46.4 billion yuan compared to the previous year, setting a new historical high since records began. The growth rate of deposits and loans remained stable with positive momentum, the credit structure continued to optimize, and the financial sector's role in supporting high-quality economic development was further enhanced. Simultaneously, the total loan balance for key sectors outlined in the "Five Priority Areas" surpassed one trillion yuan. Loans in the fields of technology, green finance, inclusive finance, pension finance, and digital finance all achieved double-digit growth. The scale of cross-border RMB business expanded steadily, with the annual transaction volume exceeding 630 billion yuan, a 17% year-on-year increase. This marks the sixth consecutive year of growth and also represents a new historical record.

The cumulative incremental aggregate financing to the real economy in Tianjin for 2025 reached 538.4 billion yuan, an increase of 46.4 billion yuan compared to the same period last year, setting a new record high. During the "14th Five-Year Plan" period, aggregate financing remained at a high level, with cumulative increments and average annual increments of 22.3 trillion yuan and 445.1 billion yuan, respectively. Deposits maintained stable and relatively rapid growth. By the end of 2025, the total balance of deposits in the city reached 5.06 trillion yuan, an increase of 327.958 billion yuan from the beginning of the year. This included household deposit balances of 2.61 trillion yuan, non-financial corporate deposit balances of 1.66 trillion yuan, and government agency and organization deposit balances of 422.778 billion yuan. The credit structure continued to optimize. By the end of 2025, the total loan balance in the city was 4.84 trillion yuan, an increase of 218.727 billion yuan from the start of the year, which was 67.361 billion yuan more than the increase in the previous year. Despite a higher volume of debt-to-loan swaps, the average annual growth rate during the "14th Five-Year Plan" period remained at 4.5%. Loans to enterprises and institutions increased by a larger margin year-on-year, with a balance of 3.70 trillion yuan. Medium- to long-term loans in key industries grew rapidly. Loans to the production and supply of electricity, heat, gas, and water increased by 10.3% year-on-year; the construction industry grew by 13.1%; transportation, storage, and postal services increased by 10.3%; information transmission, software, and information technology services surged by 36.4%; and scientific research and technical services grew by 25.0%. All these growth rates were significantly higher than the average loan growth rate. Credit support for key sectors became more robust. The balance of technology loans increased by 11.3% year-on-year; green loans grew by 21.2% from the beginning of the year; inclusive loans to small and micro-enterprises rose by 19.8% year-on-year; and loans to agriculture, forestry, animal husbandry, and fishery sectors increased by 10.1% year-on-year.

By the end of 2025, the total loan balance for the key sectors of the "Five Priority Areas" in Tianjin exceeded one trillion yuan. Loans in technology, green, inclusive, pension, and digital finance all achieved double-digit growth. In technology finance, technology loans in the city increased by 11.3% year-on-year, 6.5 percentage points higher than the average loan growth rate. The issuance amount of sci-tech innovation bonds reached 30.4 billion yuan, ranking seventh nationally. Relending funds for scientific and technological innovation and technological transformation facilitated the issuance of 24.7 billion yuan in related loans, benefiting 1,174 enterprises and projects. A coordinated promotion mechanism for Tianjin's technology finance was established in collaboration with multiple departments. The number of "lead banks" in technology parks was expanded to cover 40 parks citywide, and 43 financial institutions formed the Tianjin Technology Finance Alliance, actively building a diversified, sequential financial service system integrating equity, loans, bonds, insurance, and guarantees. In green finance development, by the end of 2025, the balance of green loans in the city surpassed 860 billion yuan, an increase of 21.2% from the start of the year. The issuance scale of green bonds for the year reached 23.4 billion yuan, doubling compared to the previous year. The nation's first green commercial factoring standard was released, and the green leasing transformation standard was upgraded to a regional group standard for Beijing, Tianjin, and Hebei. Innovative products such as transition finance loans for the steel industry and "climate loans" were successfully implemented. In inclusive financial services, efforts led to a sustained increase in the volume and coverage of inclusive loans to small and micro-enterprises, with the balance growing by 19.8% year-on-year. Special activities focusing on financial support for stabilizing foreign trade were held jointly with multiple departments, enriching exchange rate hedging and supporting services, and continuously expanding the coverage of facilitative policies for foreign exchange receipts and payments of high-quality enterprises. By the end of 2025, pilot banks handled 185,000 facilitative transactions, amounting to 63.93 billion USD. In enriching pension finance offerings, relending tools for consumption and elderly care were implemented in 2025, leveraging the issuance of 7.03 billion yuan in loans to 2,305 enterprises in supported sectors. By the end of 2025, the loan balance for Tianjin's pension industry grew by 103.9%, with the growth rate ranking sixth nationally. Loans in the service consumption sector increased by 25%, 12.7 percentage points higher than the same period last year. In enhancing digital finance capabilities, the loan balance for the digital economy industry in the city increased by 11.9% year-on-year in 2025, 7.2 percentage points higher than the average loan growth rate. Exclusive credit products such as "computing power loans" and data asset pledge loans were innovatively introduced. Meanwhile, the digital yuan achieved full coverage across sixteen major application scenarios, with cumulative transaction volume exceeding 56.72 million transactions, totaling 39 billion yuan.

In 2025, guided by the principle of serving the real economy, the Tianjin Branch of the People's Bank of China promoted cross-border RMB business in Tianjin to exceed 630 billion yuan, setting a new historical record. This represented a 17% year-on-year increase, maintaining growth for six consecutive years and providing substantial support for Tianjin's high-quality development. In supporting the development of overseas cooperation zones, efforts focused on the China-Egypt TEDA Suez Economic and Trade Cooperation Zone. Banks were promoted to disburse 220 million yuan in RMB-denominated overseas loans to enterprises in the zone, establishing a RMB funding channel to Egypt and executing the first 400 million yuan trade financing transaction. In steadily advancing the expansion of FT Account services, six banks - SPDB, Bank of Communications, ICBC, CITIC, ABC, and Ping An - successively launched their FT Account systems in 2025, boosting FT Account business volume by 10 billion yuan. The number of banks offering FT Account services in the city increased to eight, with cumulative settlement volume reaching 1.49 trillion yuan, further enhancing Tianjin's supply of financial elements. In deepening facilitation policies, the cross-border RMB facilitation mutual recognition policy was upgraded from mutual recognition within Beijing-Tianjin-Hebei ("three-region mutual recognition") and joint development in North China ("five-region collaboration") to a national "sixteen-region alliance." The number of mutually recognized high-quality enterprises increased from over 1,600 to more than 9,000, allowing businesses to enjoy facilitative services without the need for application or qualification processes. In diversifying cross-border business scenarios, a comprehensive service platform for cross-border e-commerce was successfully established, driving a 1.1-fold year-on-year increase in cross-border RMB business for new foreign trade formats. Support was provided for overseas enterprises to issue 6.8 billion yuan in "Panda Bonds," a 1.3-fold increase year-on-year. The "Cross-Border Payment Express" service handled 29,000 transactions, amounting to 181 million yuan, achieving instant settlement for remittances between residents and Hong Kong.