Last month, BANK OF TIANJIN Chairman Yu Jianzhong visited Jizhou District in Tianjin. During the visit, Yu and his delegation met with Zhang Jianyu, Secretary of the Jizhou District Committee, to discuss deepening cooperation between the government and the bank and supporting key project development.
At the meeting, Yu introduced the bank’s current financial policies and a range of financing products. This reflects Yu’s increased focus on the local Tianjin market.
Based on its 2025 performance, BANK OF TIANJIN maintained growth in both operating revenue and net profit, although regional performance varied. In 2025, the bank achieved operating revenue of 16.95 billion yuan, up 1.5% year-on-year, and a net profit of 3.93 billion yuan, an increase of 2.6%.
By region, revenue from the Tianjin area amounted to 13.171 billion yuan, down 2.1% year-on-year, accounting for 77.6% of total revenue, compared to over 80% in the same period the previous year.
As a city commercial bank rooted in Tianjin, BANK OF TIANJIN still has room to strengthen its position in its home market. The bank ranks fourth in Tianjin in terms of total deposits and loans, with corporate loan volume placing second and growth in savings deposits ranking fourth.
As of the end of 2025, BANK OF TIANJIN’s total assets reached 982.4 billion yuan, an increase of 6.1% from the beginning of the year. Total loans outstanding stood at 479.42 billion yuan, up 8.8%, while total liabilities were 911.25 billion yuan, rising 6.4%. Total deposits amounted to 541.11 billion yuan, growing 8.0% from the start of the year.
BANK OF TIANJIN is now pushing toward the trillion-yuan asset milestone. For Yu Jianzhong, this is a critical phase that will determine whether he can achieve a career highlight.
The year 2026 marks Yu’s third year at the helm of BANK OF TIANJIN. Now 55 years old, Yu has served as the bank’s Party Committee Secretary and Chairman since 2023. His career is diverse, with early experience at Agricultural Bank of China, followed by roles at China Overseas Holdings Group and Evergrande Group, before returning to banking at Tianjin Rural Commercial Bank.
Currently, Yu is also recognized as an expert receiving special government allowances from the State Council. He serves as Vice President of the 9th Council of the China Asia-Pacific Society and as a Standing Committee Member of the City Commercial Bank Working Committee of the China Banking Association.
In 2025, Yu received total compensation of 490,000 yuan from BANK OF TIANJIN.
Last year, the bank completed the election of its eighth board of directors, reappointing Yu as Chairman, Wu Hongtao as President, Liu Gangling and Zheng Ke as Vice Presidents, Chen Peng as Vice President and Chief Information Officer, Xia Zhenwu as Assistant President, and Dong Xiaodong as Board Secretary and Joint Company Secretary.
While the core management team remains largely unchanged, the bank’s operational development continues to face multiple challenges. Although BANK OF TIANJIN has maintained growth in deposits and loans, the development of corporate and individual loans remains uneven.
By the end of 2025, the bank’s corporate loans reached 391.6 billion yuan, up 17.2% from the previous year, while individual loans fell to 80.01 billion yuan, down 17.8%.
The decline in individual loans is mainly due to the bank’s ongoing efforts to adjust and optimize its asset structure, including appropriately scaling back internet cooperative lending. As a result of this adjustment, the non-performing loan ratio for individual customers rose to 4.64% by the end of 2025, an increase of 1.8 percentage points from the previous year.
Beyond challenges in traditional deposit and loan operations, BANK OF TIANJIN also has room to improve its non-interest income. In 2025, net fee and commission income was 1.18 billion yuan, down 29.4% year-on-year, mainly due to fee reductions and declines in agency commissions and underwriting service fees.
Meanwhile, investment income fell to 1.98 billion yuan, a decrease of 23.9% from the previous year, largely due to reduced investment scale and market volatility.
In response to these uncertainties, the bank has been cutting costs to enhance overall profitability. In 2025, operating expenses totaled 4.92 billion yuan, down 20 million yuan from the previous year.
Within this, total employee compensation expenses reached 2.66 billion yuan, an increase of 60 million yuan, or 2.2% year-on-year. Wages, bonuses, and allowances amounted to 1.835 billion yuan, up 0.6%.
As of the end of 2025, the bank had 6,621 full-time employees, down from 6,639 at the end of the previous year. Based on the above compensation figures, the average monthly salary at BANK OF TIANJIN in 2025 was approximately 23,000 yuan.
Additionally, compensation for key management personnel declined significantly, falling by 3.467 million yuan to 5.637 million yuan in 2025.
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