长江商报消息●长江商报记者 徐佳 A股上市银行迎来最年轻行长。 日前，常熟银行（601128.SH）宣布，该行执行董事、行长包剑因工作变动原因辞任，该行董事会已同 意聘任陆鼎昌为新任行长兼首席合规官。 长江商报记者注意到，年仅39岁的陆鼎昌是常熟银行从内部培养的老将，也是目前A股上市银行中年龄 最小的行长。 执掌超4000亿规模的农商行优等生，陆鼎昌难言轻松。2025年前三季度，常熟银行实现营业收入90.52 亿元，同比增长8.15%；归属于该行股东的净利润（以下简称"归母净利润"）33.57亿元，同比增长 12.82%。其中，第三季度常熟银行的营收增速放缓至4.41%，为自2021年以来的最低水平。 随着加速整合村镇银行、资产规模扩张，截至2025年9月末，常熟银行资本充足率由2024年末的14.19% 下降至13.66%。 而在陆鼎昌获任的同时，常熟银行也披露了新一轮的资本补充计划，该行拟发行50亿元规模二级资本债 券，用于补充二级资本。 "85后"陆鼎昌成A股最年轻行长 包剑辞任之后，其接班人选也已确定。同日，常熟银行宣布，该行董事会会议决议聘任陆鼎昌为该行行 长兼首席合规官，并增补陆鼎昌为该行第八届董 ...

Core Insights - The article highlights the increasing presence of "post-80s" executives in local banks, particularly in the roles of vice president and above, indicating a generational shift in leadership within the banking sector [3][4][5]. Group 1: Executive Demographics - Among 27 listed city and rural commercial banks, 15 have "post-80s" individuals in senior management positions, accounting for over 50% [4]. - In the 10 listed rural commercial banks, 8 have "post-80s" executives in vice president roles or higher, while only 7 out of 17 listed city commercial banks have such representation [4]. - Only two rural commercial banks, Changshu Bank and Su Nong Bank, have "post-80s" individuals serving as president or acting president [2][4]. Group 2: Challenges and Opportunities - The rise of "post-80s" executives is attributed to performance pressures and strategic adjustments within the banking industry, as traditional banking models face challenges [5][6]. - The average net interest margin for rural commercial banks decreased by approximately 0.14 percentage points year-on-year, while city commercial banks saw a decline of about 0.11 percentage points [6]. - "Post-80s" executives are perceived to possess stronger digital thinking and technical sensitivity, which is crucial for adapting to emerging fields like mobile payments and intelligent risk control [5][6]. Group 3: Perspectives on Young Executives - The younger leadership is seen as beneficial for driving innovation and adapting to the digital transformation of banks, aligning with the needs of younger consumers [7]. - However, there are concerns regarding the frequent turnover of young executives, which may lead to performance volatility and potential deficiencies in risk management and operational resilience [7].

Group 1 - The banking industry is experiencing a significant adjustment in management, with numerous high-level executive changes across various banks, including state-owned, joint-stock, and city commercial banks [1][2] - Over 20 commercial banks have seen new appointments for vice presidents and above this year, indicating a trend towards a more dynamic leadership structure [1] - The approval of new executives by the financial regulatory authority has been a common theme, with several banks announcing new appointments and awaiting regulatory approval [1][2] Group 2 - There is a noticeable trend towards younger executives in the banking sector, with a majority of new appointments being individuals born in the 1970s and 1980s, reflecting a shift in management demographics [3] - The push for younger leadership is driven by the need for digital transformation and strategic shifts within banks, as well as policy encouragement for management iteration [3] - The frequency of executive changes in the banking industry has increased, suggesting a growing density of talent exchange, which is linked to the acceleration of digital transformation and internal operational changes [3] Group 3 - The executive appointment mechanism in banks is undergoing profound changes, with a diversification in recruitment methods, including market-based selection for many small and medium-sized banks [4] - Market-based recruitment is seen as a way to enrich the talent pool and enhance management effectiveness, which is crucial for high-quality development in the competitive banking landscape [4] - Several small and medium-sized banks have made leadership changes this year, indicating a strategic move to seek new growth momentum through personnel adjustments [4]