战略布局：以中间业务为核心 多维度挖掘增长新引擎 针对当前宏观经济环境下银行业传统存贷利差业务面临的压力，机构关注江阴银行未来战略布局及盈利 突破方向。周晓堂表示，该行明年及未来几年将以中间业务收入为核心增长引擎，同步优化资产负债结 构，从三方面挖掘新增长点。 2025年12月24日，江苏江阴农村商业银行股份有限公司（下称"江阴银行"）在江阴市澄江中路1号银信 大厦11楼会议室举办特定对象调研活动。国信证券分析师王剑、富国基金研究员徐健荣参与调研，江阴 银行董事会秘书周晓堂接待并就公司经营情况与机构进行深入交流。 在财富管理领域，江阴银行计划丰富产品矩阵，强化线上线下渠道协同，提升客户服务体验；投行业务 方面，将布局债券承销、资产证券化等领域，拓展对公业务收入来源；供应链金融则聚焦夯实对公客户 基础，通过产业链金融服务深化与实体企业的合作。此外，科技赋能成为重要支撑，该行将推进开放银 行建设及数字人民币应用等创新模式，目标通过上述举措稳步提升非息收入占比，以对冲息差压力，为 股东创造可持续价值。 风险管控：经营贷投放审慎 资产质量整体可控 声明：市场有风险，投资需谨慎。 本文为AI大模型基于第三方数据库自动发 ...

| 投资者关系活动 ☑ | 特定对象调研 分析师会议 □ | | --- | --- | | 类别 □ | 媒体采访 □业绩说明会 | | □ | 新闻发布会 □ 路演活动 | | □ | 现场参观 | | □ | 其他 （请文字说明其他活动内容） | | 参与单位名称及 | 国信证券 王剑 富国基金 徐健荣 | | 人员姓名 | | | 时间 | 年 月 日 上午 2025 12 24 (周三) 10:00-11:00 | | 地点 | 江阴市澄江中路 1 号银信大厦 11 楼会议室 | | 上市公司接待人 | 董事会秘书周晓堂 | | 员姓名 | | | | 主要就江阴银行相关经营情况进行了交流，以下为本次调研问询 | | | 及简要回复情况记录： | | 1. | 在当前宏观经济环境下，银行业传统的存贷利差业务面临一 | | | 定压力。请问贵行在明年及未来几年的整体战略布局上，将如何 | | | 寻求新的增长引擎和盈利突破点？ | | | 答：尊敬的投资者，感谢您的关注。面对当前宏观环境，我 | | 投资者关系活动 主要内容介绍 | 行明年战略布局将以中间业务收入为核心增长引擎，同时优化资 | | | ...

（文章来源：证券日报） 证券日报网讯 12月24日，江阴银行在互动平台回答投资者提问时表示，本行将继续砥砺奋进、开拓创 新，持续为股东创造更高的价值。 ...

Market Overview - The agricultural commercial bank sector experienced a slight decline of 0.05% on December 24, with Changshu Bank leading the drop [1] - The Shanghai Composite Index closed at 3940.95, up 0.53%, while the Shenzhen Component Index closed at 13486.42, up 0.88% [1] Individual Stock Performance - Jiangyin Bank closed at 4.70, with a gain of 0.64% and a trading volume of 252,600 shares, amounting to 118 million yuan [1] - Zhangjiagang Bank closed at 4.59, up 0.44%, with a trading volume of 232,800 shares, totaling 106 million yuan [1] - Zijin Bank closed at 2.76, gaining 0.36%, with a trading volume of 232,500 shares, amounting to 63.89 million yuan [1] - Qingnong Commercial Bank closed at 3.14, up 0.32%, with a trading volume of 241,600 shares, totaling 7.56 million yuan [1] - Shinan Bank closed at 5.15, gaining 0.19%, with a trading volume of 151,100 shares, amounting to 7.75 million yuan [1] - Wuxi Bank closed at 5.96, up 0.17%, with a trading volume of 93,900 shares, totaling 5.59 million yuan [1] - Yunnan Agricultural Commercial Bank closed at 6.43, gaining 0.16%, with a trading volume of 424,500 shares, amounting to 272 million yuan [1] - Shanghai Agricultural Commercial Bank closed at 9.16, down 0.22%, with a trading volume of 192,800 shares, totaling 177 million yuan [1] - Ruifeng Bank closed at 5.54, down 0.72%, with a trading volume of 121,600 shares, amounting to 6.74 million yuan [1] - Changshu Bank closed at 7.07, down 0.84%, with a trading volume of 363,200 shares, totaling 257 million yuan [1] Fund Flow Analysis - The agricultural commercial bank sector saw a net outflow of 10.80 million yuan from main funds, while speculative funds had a net inflow of 53.25 million yuan, and retail investors experienced a net outflow of 42.45 million yuan [1] - Yunnan Agricultural Commercial Bank had a main fund net inflow of 18.22 million yuan, accounting for 6.69% of its total [2] - Wuxi Bank experienced a main fund net inflow of 1.33 million yuan, representing 2.37% of its total [2] - Zijin Bank had a main fund net inflow of 130,700 yuan, which is 0.20% of its total [2] - Changshu Bank faced a main fund net outflow of 2.10 million yuan, accounting for -0.82% of its total [2] - Jiangyin Bank had a main fund net outflow of 5.73 million yuan, representing -4.84% of its total [2] - Zhangjiagang Bank experienced a main fund net outflow of 6.66 million yuan, accounting for -6.26% of its total [2] - Qingnong Commercial Bank had a significant main fund net outflow of 9.53 million yuan, representing -12.61% of its total [2]

12月23日，江阴银行涨0.00%，成交额1.22亿元。两融数据显示，当日江阴银行获融资买入额1153.34万 元，融资偿还1196.04万元，融资净买入-42.69万元。截至12月23日，江阴银行融资融券余额合计4.64亿 元。 融资方面，江阴银行当日融资买入1153.34万元。当前融资余额4.62亿元，占流通市值的4.02%，融资余 额超过近一年90%分位水平，处于高位。 截至12月20日，江阴银行股东户数4.64万，较上期增加0.36%；人均流通股52928股，较上期减少 0.36%。2025年1月-9月，江阴银行实现营业收入32.04亿元，同比增长6.17%；归母净利润12.78亿元，同 比增长13.38%。 分红方面，江阴银行A股上市后累计派现33.02亿元。近三年，累计派现15.97亿元。 机构持仓方面，截止2025年9月30日，江阴银行十大流通股东中，香港中央结算有限公司位居第二大流 通股东，持股9841.38万股，相比上期增加1592.20万股。红利低波（512890）位居第六大流通股东，持 股7400.50万股，相比上期增加849.51万股。 责任编辑：小浪快报 融券方面，江阴银行12月23 ...

证券日报网讯12月22日，江阴银行（002807）在互动平台回答投资者提问时表示，根据中国证券登记结 算有限责任公司深圳分公司提供的数据，截至2025年12月20日，本行股东户数为46440户。 ...

Core Viewpoint - The rural commercial bank sector experienced a decline of 1.18% on December 22, with Yunnan Rural Commercial Bank leading the drop [1] Group 1: Market Performance - The Shanghai Composite Index closed at 3917.36, up by 0.69% [1] - The Shenzhen Component Index closed at 13332.73, up by 1.47% [1] - The rural commercial bank sector saw mixed individual stock performances, with notable declines in several banks [1] Group 2: Individual Stock Performance - Wuxi Bank (600908) had a closing price of 5.96, down by 1.32%, with a trading volume of 141,500 shares and a transaction amount of 84.89 million [1] - Changshu Bank (601128) closed at 7.16, down by 1.10%, with a trading volume of 259,900 shares and a transaction amount of 187 million [1] - Yunnan Rural Commercial Bank (601077) closed at 6.36, down by 2.15%, with a trading volume of 418,000 shares and a transaction amount of 267 million [1] Group 3: Capital Flow - The rural commercial bank sector had a net inflow of 19.98 million from main funds, while retail investors saw a net outflow of 44.62 million [1] - Individual stocks within the sector showed varied capital flows, with some banks experiencing significant net outflows from retail investors [2]

Core Viewpoint - Several brokerage firms, funds, and insurance asset management institutions are evaluating listed banks to optimize asset allocation and investment strategies for the coming year, with a focus on net interest margin performance [1] Group 1: Net Interest Margin Stability - Multiple banks have indicated that net interest margins have shown signs of stabilization in Q3, with a narrowing of the overall decline and an improvement in funding costs expected over the next three years [1] - Hangzhou Bank reported that its net interest margin remained stable at the end of Q3 compared to the end of Q2, with a marginal narrowing of the annual decline expected [1] - Suzhou Bank stated that its net interest margin has narrowed less than the industry average this year, supporting growth in net interest income [2] Group 2: Strategies for Managing Interest Margin - Banks are actively exploring ways to alleviate interest margin pressure through optimizing asset-liability structures and enhancing non-interest income [1] - Chongqing Rural Commercial Bank noted that its Q3 interest margin stabilized due to a slowdown in the decline of asset yields and a faster decrease in liability interest rates [2] - Ouyang Rihui emphasized the importance of increasing the proportion of intermediary business income and investing in information technology to improve interest margin management [3] Group 3: Regional Banks' Performance - The Q3 reports of listed banks show structural differentiation in net interest margins, with some regional banks experiencing improvement [3] - A report indicated that net interest margins for city commercial banks and rural commercial banks continued to stabilize in the first three quarters of 2025, with a decrease in the cost of interest-bearing liabilities [4] - Some regional banks, such as Jiangyin Bank and Chongqing Bank, reported an increase in net interest margins at the end of Q3 compared to the end of Q2 [3][4] Group 4: Future Outlook - Some banks anticipate that the trend of improving interest margins will continue into 2026, with Qingnong Commercial Bank indicating that its interest margin is expected to remain stable [5] - Factors such as the repricing of existing loans and adjustments in deposit pricing strategies are expected to support net interest margins moving forward [5]

齐鲁晚报.齐鲁壹点李国栋 近日，奎文区住宅装饰装修监管平台启动仪式在潍坊市资本中心顺利举行，奎文区相关领导、潍坊银行相关部门负责人、区住宅装饰装修协会及相关家装 企业负责人共计约40人参加。 仪式现场，潍坊银行与奎文区住宅装饰装修协会签订合作协议，为监管平台的长效运营筑牢合作基础，奎文区住宅装饰装修资金监管平台正式上线启用。 作为潍坊奎文区金融协会的战略合作伙伴，奎文区住宅装饰装修协会在区住建局的指导下，在全省率先推行住宅装饰装修第三方资金监管机制，通过第三 方机构的专业管理、监督与纠纷调解，有效倒逼装企强化守信自律、提升服务质量。截至2025年11月，全区家装投诉量较此前同比下降85.9%，行业整体 信誉度和消费者满意度显著提升。 潍坊银行党委委员、副行长王志刚在致辞中说，第三方资金监管平台的成功上线，是奎文区金融服务与装修行业深度融合的重要里程碑，标志着金融赋能 民生领域迈出坚实步伐。潍坊银行将以数字化发展为契机，坚持便民化服务导向，与奎文区住宅装饰装修业协会共同推进装修服务提质增效、走深走实， 为行业规范发展注入金融动力。 奎文区政府党组成员、副区长张雷在讲话中说，监管平台的上线，既是奎区解决业内痛点、 ...

证券之星消息，12月18日农商行板块较上一交易日上涨2.0%，渝农商行领涨。当日上证指数报收于 3876.37，上涨0.16%。深证成指报收于13053.98，下跌1.29%。农商行板块个股涨跌见下表： | 代码 | 名称 | 收盘价 | 涨跌幅 | 成交量(手) | 成交额(元) | | --- | --- | --- | --- | --- | --- | | 601077 | 渝农商行 | 6.45 | 3.20% | 76.95万 | 4.90 Z | | 002807 | 江阴银行 | 4.69 | 2.40% | 33.50万 | 1.56亿 | | 603323 | 示农银行 | 5.17 | 1.77% | 21.28万 | 260'T | | 002839 | 张家港行 | 4.65 | 1.75% | 1 29.62万 | 1.37亿 | | 601825 | 沪农商行 | 9.36 | 1.74% | 15.73万 | 1.46亿 | | 600908 | 无锡银行 | 5.98 | 1.70% | 17.63万 | 1.05亿 | | 601128 | 常熟银行 | 7.23 | 1. ...