Bohai Bank: Comprehensive Service Support Leads to Fruitful Results in Jinmen's Deep Cultivation

As a nationally operating joint-stock bank headquartered in Tianjin, Bohai Bank in 2025 will stay true to the essence of finance. It will build its operating foundation with deposits at the core, empower the real economy with precise lending, advance national-initiative strategies through an all-domain layout, and fulfill its local responsibilities by deepening efforts in Tianjin. In its transformation and development, it will demonstrate sound strength and a sense of responsibility.

Strong Performance on Both Deposits and Lending: Serving the Real Economy and Showing Commitment

Bohai Bank has always adhered to the philosophy of putting deposits first. It strengthens the development of core customer groups, enriches its product portfolio, improves channel strategies, and continuously promotes steady growth in scale, while optimizing its business structure and enhancing overall efficiency and quality. At the same time, it closely monitors changes in macroeconomic policy, developments among peers, and the regulatory environment, dynamically adjusts its business strategy, strengthens liability cost management, and works to guide interest expense costs to keep falling, providing solid support for提升 of operating capability. In 2025, the bank’s average daily deposits for corporate customers increased by nearly 80 billion yuan.

Leveraging a solid funding base, the bank actively practices national macroeconomic policies. It works to align business development with economic transformation and upgrading and structural adjustment, ensuring coordinated and mutually reinforcing progress. It efficiently connects with credit demand arising from economic and social development, focuses on key regions, major projects, and key areas to optimize its credit structure and enhance professional service capability. In 2025, total issuance of corporate loans (excluding discounted bills) amounted to 686.12B yuan, up 81.32B yuan year over year. With precise and efficient credit deployment, it injects strong financial momentum into high-quality development of the real economy.

National Layout and Coordinated Efforts: Upgrading Services in Key Regions

Relying on the comprehensive strengths of a nationally operating joint-stock bank, Bohai Bank proactively supports the implementation of national regional development strategies. It continuously improves service quality and effectiveness in key regions such as the Beijing-Tianjin-Hebei region, the Yangtze River Economic Belt, the Chengdu-Chongqing economic circle, and the Guangdong-Hong Kong-Macao Greater Bay Area, effectively meeting business needs in regions including Northeast China and the central and western parts of the country.

Building on its headquarters advantages and keeping aligned with policy guidance, Bohai Bank focuses on the industrial positioning of the “six chains and five groups” in the Beijing-Tianjin-Hebei region. It advances cross-regional coordination among branch banks across the three provinces and municipalities, and continues to increase support for key projects for coordinated development in Beijing-Tianjin-Hebei. In 2025, total corporate loans (excluding discounted bills) in the Beijing-Tianjin-Hebei region reached 223.88B yuan, up 25.84B yuan year over year, an increase of 13.05%. At the same time, it proactively supports key tasks for integrated development in the Yangtze River Delta, actively supports the implementation of regional development strategies such as the Guangdong-Hong Kong-Macao Greater Bay Area, and coordinates regional linkage marketing. It deepens its efforts in economic hubs, key industrial clusters, and high-quality industrial parks, and focuses on developing customer-group building in local advantaged and characteristic industries. Using a headquarters-branches coordination and tiered, category-based model, it advances the development of regional marketing channels and expansion of target customer groups, and the level of all-domain financial services continues to rise.

Deeply Cultivating in Tianjin: Staying True to the Initial Intent, Innovating for High-Quality Development

Upholding its local financial responsibilities, Bohai Bank is fully committed to supporting high-quality development in Tianjin. Since 2023, the bank has made it a key strategy to tilt resources toward serving Tianjin. The head office established a leading group for serving Tianjin’s high-quality development, and issued a special work plan. It promotes the落实 of various tasks through list-based management to ensure practical results. By the end of 2025, assets, deposits, and loans in the Tianjin region were 296.03B yuan, 258.46B yuan, and 209.75B yuan respectively. Compared with the end of 2022, they increased by 32.10%, 49.44%, and 40.60% respectively. The average interest rate of loan deployment fell cumulatively by 238 basis points, and the results of serving the real economy were evident.

“Pursuing quality” and “going farther” to empower the “three new initiatives,” cultivating originality with an eye toward “innovation” and “excellence.” Focusing on technological innovation, from 2023 to date the bank has cumulatively deployed 53.62B yuan in loans, with the outstanding balance growing by 387%. Concentrating on industrial renewal, it supported financing for key industrial chains exceeding 34.8 billion yuan. Supporting urban renewal, it provided 11.2 billion yuan in credit to support the renovation and upgrading of multiple key areas. Since 2023, with the first deal delivered and the first breakthrough achieved, innovative results across multiple fields have emerged in a comprehensive way: establishing a shipping finance center and strengthening support for port, shipping, and trade finance; rolling out the country’s first batch of technology innovation bonds; underwriting Tianjin’s first 10-year medium-term note and its first sustainability-linked perpetual medium-term note; supporting the successful listing of Tianjin’s first public infrastructure REITs—“Jin Kaike Gong Industrial Park”; handling Tianjin’s first cross-border e-commerce customs duty electronic guarantee; issuing risk-sharing technology innovation bonds from private equity investment institutions in the Beijing-Tianjin-Hebei region as its first such issuance, gaining support from the People’s Bank of China’s risk-sharing tool; rolling out Tianjin’s first private equity technology innovation bond, with key support for emerging industries such as semiconductors, healthy aging and big health, intelligent manufacturing, and information technology; underwriting Tianjin’s first park-based pooled technology innovation asset-backed securities; underwriting its first “green + rural revitalization” debt financing instrument, helping issue Tianjin’s first USD green bond; rolling out Tianjin’s first “China Railway Freight Fee Loan” (国铁运费贷); innovating and launching “COSCO Shipping Container Lines - Freight Fee Loan” (中远集运-运费贷), successfully filling the blank in Tianjin’s online inclusive cross-border ocean shipping products.

Looking ahead, Bohai Bank will continue to maintain strategic resolve, stay true to the original intent of serving the real economy and regional development, continuously optimize deposit-and-loan businesses, deepen regional coordination, and strengthen innovation-driven empowerment. With more solid measures and better-quality services, it will forge ahead on the path of high-quality development, fully demonstrating the responsibility and担当 of a nationally operating joint-stock bank.

(Editor-in-charge: Liu Chang)

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