国联证券2021A2022A2023E2024E2025E3,779.914,185.054,667.185,126.0911.4%9.831,273.691,616.061,894.602,181.9920.51526.83%0.590.740.871.001.116.006577.278.090.8510.13第13.012.95%数琴来源：公司公告、Md,国联证泰研究所预测：股价为2023年4月27日收盘价图2：江阴银行ROE、ROA1.10●902021/122022/032022/062022/092022/122023/03生息资产规模9.84%8.16%8.21%9.69%8.70%11.14%净息差0.78%13.97%11.91%8.50%4.11%-8.89%手续费及佣金净收入1.03%-1.15%-1.91%-2.57%-2.12%-2.89%其他非息收入-11.18%1.27%7.76%6.27%1.59%4.68%成本费用-3.02%9.41%8.41%5.15%5.23%1.02%营业外净收入-0.51%0.23%1.05%0.74%0.50%0.00%拨备计提22.76%31.87%-9.84%-0.31%8.45%-11.88%所得税0.37%-40.47%-4.17%-5.66%-0.60%19.72%少数股东损益0.46%-2.74%0.69%0.58%1.03%-0.11%归母净利润20.51%20.56%22.10%22.38%26.88%12.78%请务必阅读报告末页的重要声明