江苏银行2013年年度报告.pdf

重要提示 一、本公司董事会、监事会及董事、监事、高级管理人员保证本报告所载资料不存在任何虚假记载、误导性 陈述或者重大遗漏，并对其内容的真实性、准确性和完整性负个别及连带责任。 二、本年度报告于2014年3月31日，经本公司第三届董事会第一次会议审议通过。 三、本公司年度财务报告已经立信会计师事务所审计，并出具了无保留意见的审计报告。 公司董事长夏平，财务负责人行长胡长征及财务机构负责人周宏，保证年度报告中财务报告的真实、完整。 董事签名： 夏 平 胡长征 朱达书 朱其龙 姜 凯 杨迎春  姜 健 唐劲松 沈 彬 袁维静 张 衢 周苏明 嵇华光 钟 伟 顾迎斌 目 录 公司基本情况 ·······················································································007 会计数据和业务数据摘要 ·····································································008 管理层讨论与分析 ················································································012 股东及股本情况 ···················································································028 董事、监事、高级管理人员和员工情况 ···············································031 公司治理结构与机制 ············································································037 股东大会情况 ·······················································································044 董事会报告 ···························································································046 监事会报告 ···························································································050 重要事项 ····························································································054 财务报告、备查文件目录 ·····································································058 董事长致辞 2013年，面对经济形势深刻变化、监管政策趋严趋紧、金融竞争更加激烈的大环境，在江苏省委 省政府的正确领导下，在监管部门的指导监督下，在广大股东和社会各界的关心支持下，在全体干 部员工的共同努力下，江苏银行坚持“市场观、标杆观、效益观、周期观、团队观”的价值导向， “差异化、特色化、精细化、综合化、国际化”的发展道路，按照“特色发展、内生增长、创新驱 动”的转型方针，提升经营理念，抢抓发展机遇，推进战略转型，全行总体保持了稳健发展的良好 态势。 截至2013年末，江苏银行资产总额达7632亿元，增长17.38%；各项存款余额达5962亿元，增长 11.96%；各项贷款余额达4106亿元，增长16.57%；全年实现税后净利润81.79亿元，同比增长 16