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大狼狗 又浓又烫-揭示背后惊心动魄的监狱斗争与生存法则

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蓝鲸新闻4月24日讯(记者金磊)近日,江阴银行(002807.SZ)董秘与证券事务代表发生人事变动,该行原董秘卞丹娟因年龄辞任,周晓堂被提名接任;另外,瞿丹阳接替赵静怡担任证券事务代表一职。

据了解,该行原董事会秘书卞丹娟现年52岁,其任期原定将于2026年终止,辞职后,卞丹娟将继续在该行担任董事职务。而被提名的周晓堂出生于1990年8月,本科学历,持有特许公认会计师(ACCA)资格和中级会计师职称。

周晓堂在江阴银行系统内部任职长达9年,其于2016年5月加入江阴银行,历任证券事务代表、董事会办公室主任助理、综合办公室副主任、支行行长、营业部主任等职务,现任党委办公室主任兼董事会办公室主任。

江阴银行高管年龄普遍较为年轻,陈开成、王凯、王安国、于干四位副行长均为“80后”,于干更是出生于1989年。若周晓堂任职资格获批,其也将成为江阴银行最年轻的高管,并刷新全国上市银行最年轻高管的记录。

同日,该行还披露了一季报。2025年1-3月,该行实现营业收入11.27亿元,同比增长6.00%;实现归属于上市公司股东的净利润3.57亿元,同比增长2.22%。

截至2025年一季度末,江阴银行总资产2070.58亿元,较年初增长3.41%,其中贷款总额达1296.05亿元,较年初增长4.41%;总负债1879.24亿元,较年初增长3.61%,其中存款总额达1618.08亿元,较年初增长6.57%。

不难发现,江阴银行净息差继续承压。截至2025年一季度末,江阴银行净息差为1.51%,较2024年末的1.76%下降0.25%。

在净息差持续收窄、中收增长承压的背景下,投资收益成为不少上市银行创收的重要来源。

从江阴银行的营收构成来看,报告期内该行取得利息净收入6.98亿元,较去年同期减少1.55%;好在非息收入方面,该行实现投资收益4.15亿元,较去年同期1.7亿元同比大增143.55%,使得整体营收有增长,公司表示主要系当期债权投资处置收益增加所致。

从已披露的上市银行2024年报不难发现,投资收益增加成为推动不少银行营收增加的重要驱动力。而像江阴银行之类的农商行由于规模基数较小,投资收益增长比例会显得较大,例如张家港行、瑞丰银行和渝农商行2024年投资收益同比分别增长176.81%、100.52%和93.56%。

资产质量方面,截至2025年一季度末,江阴银行不良贷款率为0.86%,与上年末持平;拨备覆盖率350.00%,较上年末下降19.32个百分点。

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