the financial functions of credit cards are similar. It mainly depends on whether there is a branch of this bank near your home, whether it is convenient to handle business, or whether there are many preferential activities in this bank, and whether the annual fee can be reduced or exempted after a certain amount of money is paid.

China Bohai Bank Co., Ltd. ("China Bohai Bank" or "the Bank") is the only newly established national joint-stock commercial bank since the China Commercial Bank Law was revised in 23, the first national joint-stock commercial bank to introduce overseas strategic investors in the establishment stage since 2, and the first national joint-stock commercial bank headquartered in Tianjin.

Significantly benefiting from the competitive advantage brought by the national license, Bohai Bank has completed the strategic layout of major provincial capitals and economically important cities in China in just 14 years at an average rate of opening more than two tier-one branches every year since its opening in 26. By the end of 219, 33 tier-one branches (including directly affiliated branches), 3 tier-two branches, 127 sub-branches and 54 community small and micro sub-branches had been opened, and a Hong Kong representative office was established with a total of 245 outlets. All outlets are prudently newly established according to strategic planning, and the average operating efficiency of the network is among the best in the industry. By the end of 219, the total assets of Bohai Bank reached 1,116.93 billion yuan, an increase of 8.% year-on-year; Realized operating income of 28.378 billion yuan, a year-on-year increase of 22.3%; Realized a net profit of 8.192 billion yuan, a year-on-year increase of 15.7%; The asset quality is stable, and the non-performing loan ratio is 1.78%, which is lower than 1.84% at the end of 218. (The quoted data are audited data under international accounting standards)

In p>22, according to Tier 1 capital as of the end of 219, Bohai Bank ranked 133rd in the list of top 1 global banks published by The Banker, up 45 places from the previous year, and ranked 27th among all listed banks in China.

As a newly established national joint-stock commercial bank with obvious advantages of latecomer, geography and internationalization, Bohai Bank will make full use of all favorable factors, make long-term efforts, launch comprehensive operations in the form of comprehensive functional banks, and continue to provide "excellent experience" quality services to medium-sized enterprises, small and medium-sized enterprises, well-off people, high-end individuals and other social middle-class target customers, provide employees with the best development opportunities, and realize "* * * growth with customers and employees".