Bank of Tianjin Co., Ltd.

Corporate brand

Bank of Tianjin Co., Ltd. is a Chinese bank whose official website lists personal, corporate, and financial-market banking services and a network of branches and subsidiaries.

Last updated October 9, 2026

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Overview

Bank of Tianjin Co., Ltd. operates an official website that presents personal banking, corporate banking, and financial-market services. The site lists branch sites including 滨海分行, 北京分行, 石家庄分行, 上海分行, 济南分行, and 成都分行, as well as subsidiaries such as 天银金融租赁股份有限公司 and several village banks. Its service menu covers savings, wealth management, personal and corporate loans, debit and credit cards, foreign exchange, trade banking, investment banking, deposits, settlement, and financial-market activities including derivatives, fixed income, foreign exchange and precious metals, and bill trading.

History

Bank of Tianjin's institutional roots lie in the wave of urban credit-cooperative consolidation that reshaped China's local banking sector in the mid-1990s. In 1996 the urban credit cooperatives of Tianjin were merged into a single locally incorporated city commercial bank, establishing the institution that would later be branded Bank of Tianjin. This model — pooling fragmented cooperative institutions into one municipal commercial bank — was common across Chinese cities at the time and gave the new bank a broad retail deposit base and a mandate to serve the local economy. Through the 2000s the bank expanded its product range from basic deposits and loans into wealth management, cards, trade finance and financial-markets activities, mirroring the broader development of China's banking industry. It also began to look beyond Tianjin, establishing a branch footprint that today includes Binhai, Beijing, Shijiazhuang, Shanghai, Jinan and Chengdu, giving it a presence in the Bohai Rim, the Yangtze River Delta and western China. A significant step in the bank's corporate development was its listing on the Hong Kong Stock Exchange, which brought international investors onto its share register and imposed the disclosure, governance and reporting standards of a listed issuer. The bank's website now maintains a dedicated investor-relations section covering announcements and circulars, results and financial reports, shares and dividends, corporate governance, regulatory capital and social responsibility — the apparatus of a public company. Alongside its commercial banking core, Bank of Tianjin built out a small-and-micro enterprise franchise, an area where city commercial banks often seek differentiation from the large state-owned lenders. It developed named digital lending products such as 银税e贷 (a tax-data-based lending product), 商超e贷 (for merchants and supermarkets) and 宅抵e贷 (property-collateralised lending), and a merchant platform called 智慧通. It also created a financial-leasing subsidiary, 天银金融租赁股份有限公司, extending its reach into equipment and asset finance. In rural and inclusive finance, the bank participates in a network of village and township banks. These include 天津市蓟州村镇银行 in Tianjin's Jizhou district and a group of 津汇村镇银行 entities in Ningxia and Xinjiang, such as 阿拉尔津汇村镇银行, 阜康津汇村镇银行, 呼图壁津汇村镇银行, 铁门关津汇村镇银行, 塔城津汇村镇银行, 宁夏同心津汇村镇银行 and 宁夏原州津汇村镇银行. This structure reflects the bank's role in extending financial services to less-developed regions. Today Bank of Tianjin operates as a full-service regional commercial bank. Its business lines span personal finance, corporate finance, small-and-micro inclusive finance, financial markets and investment banking, supported by digital channels including online banking, mobile banking and WeChat banking, and by a customer-service hotline (956056). Its home-market network is organised around a head-office business department and several central sub-branches, with the Binhai branch serving the coastal new area that is central to Tianjin's economy.

1996
Tianjin's urban credit cooperatives are consolidated into a locally incorporated city commercial bank, the institution later branded Bank of Tianjin.
The bank lists on the Hong Kong Stock Exchange, adopting listed-company disclosure and governance standards.
Branch network expands beyond Tianjin to Binhai, Beijing, Shijiazhuang, Shanghai, Jinan and Chengdu.
Financial-leasing subsidiary 天银金融租赁股份有限公司 is established.
Digital small-and-micro lending products such as 银税e贷, 商超e贷 and 宅抵e贷 and the 智慧通 merchant platform are offered.

Products and positioning

Personal banking services
The official website lists personal banking categories including online banking, savings, wealth management, personal loans, debit cards, credit cards, foreign exchange, and agency collection and payment services.
Corporate banking services
The official website lists corporate banking categories including account opening, online banking, transaction banking, investment banking, financing, deposits, agency services, settlement, international settlement and corporate foreign exchange, corporate wealth management, and smart investment and lending.
Financial market services
The official website lists financial-market categories including interbank financing, fixed income, foreign exchange and precious metals, derivative transactions, bill trading, and financial asset investment.

Controversies

2026
Failure to Report Important Information System Service Outage, Fined RMB 200,000
In June 2026, regulators fined Bank of Tianjin RMB 200,000 for failing to report an abnormal external service incident involving its important information systems, and relevant personnel were given warnings.
Source
2026
Chengdu Branch Fined RMB 3.7984 Million for Account Management Violations
In July 2026, the People's Bank of China Sichuan Provincial Branch published a penalty notice against the Chengdu Branch of Bank of Tianjin for account management violations, imposing a fine of RMB 3.7984 million.
Source
2026
Beijing Branch Fined RMB 1.2 Million for Loan Classification and Post-Loan Management Issues
In September 2026, the Beijing Financial Regulatory Bureau fined the Beijing Branch of Bank of Tianjin RMB 1.2 million for inaccurate loan risk classification and inadequate post-loan management, and held relevant personnel accountable.
Source
2026
Dispute over losses from staff's unauthorized private sales of third-party wealth products; court rules bank not liable
In 2026, media reported on a dispute involving Bank of Tianjin employees who privately sold third-party wealth management products outside the bank's business. The court held that the conduct did not fall within the bank's business operations and ruled that the bank bore no liability. The entry specifies the employees' conduct and the civil judgment outcome.
Source
2019
Fined RMB 6.6 Million for 12 Violations Including Interbank and Wealth Management Business
In 2019, regulators fined Bank of Tianjin RMB 6.6 million for 12 violations including interbank and wealth management business, and penalized those responsible. This entry records that batch of penalties, distinct from subsequent penalties imposed on branches in various regions.
Source

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