Summary of Bank Sub-branch Work in 2019

First, the work results and business conditions:

The operating efficiency has been significantly improved. At the end of 2019, the revenue of Panshan Sub-branch was 63.93 million yuan, an increase of 1.51 million yuan over the same period of last year, an increase of 2.42%; various expenditures were 48.51 million yuan, and the profit after provision was 15.42 million yuan. If the provision was 11.19 million yuan, my branch would be released from the headquarters. The annual profit plan was 204.49 million yuan, an increase of 6.161 million yuan, and 130.13% of the annual project tasks were completed.

By the end of 2019, the balance of various deposits was 683.05 million yuan, an increase of 7.23 million yuan from the beginning of the year of 674.27 million yuan. If the factor of public deposits was removed, it increased by 115.23 million yuan. There were no business errors during the year. among them:

Savings deposits amounted to RMB 588.3 million, an increase of RMB 114.8 million from the beginning of the year of RMB 47.82 million, an increase of 23.12%. Among them, demand deposits were 31.96 million yuan, an increase of 4.88 million yuan from the beginning of the year, 27.08 million yuan, an increase of 18.02%. Time deposits amounted to RMB 554.34 million, an increase of RMB 104.6 million from the beginning of the year of RMB 45.74 million, an increase of 23.15%. Compared with the annual plan, the savings deposits were 561.18 million yuan, an increase of 26.47 million yuan, and 131.52% of the planned tasks were completed. The average balance was 596.27 million yuan, an increase of 91.45 million yuan from the beginning of the year, and an increase of 33.7 million over the previous year. Yuan, completed 158.36% of the overall planning tasks for the whole year.

By the end of the year, 2,584 bank cards had been opened, an increase of 2,162 cards compared with 422 at the beginning of the year, and 112 cards were opened for the whole year, and 105.46% of the annual plan was issued. The balance on the card was 7.94 million yuan, which was 263 yuan higher than the beginning balance. Ten thousand yuan increased by 5.31 million yuan, and 132.75% of the balance of the annual plan was issued. At the end of the year, there were 11,792 transactions in the ATM machine, the withdrawal amount was 8,764,400 yuan, and the fee income was 24,900 yuan. Compared with the same period of last year, the business volume increased significantly. .

By the end of the year, the balance of our bank's corporate deposits was 95.2 million yuan. Excluding various factors, the Bank completed 105.25% of the actual points of the project indicators.

There are 400 settlement accounts in the existing enterprises, an increase of 57 households compared with the beginning of the year. There are 116 new accounts added in the year, and the account balance is 186.23 million yuan, including 111 basic accounts and 5 non-basic accounts. The average daily business volume reaches nearly 150. pen. Further expand the relevant business index of our bank.

By the end of 2019, the balance of various loans of the sub-branches was 917.76 million yuan, and 43 loans were accumulated for the whole year, amounting to 1,117.162 million yuan, and 48 loans were collected, with an amount of 1,042.92 million yuan. Among them: 14 new loans, the amount of 133.823 million yuan; the balance of normal loans was 892.17 million yuan, the balance of non-performing loans was 19.59 million yuan, the loan non-performing rate was 0.21%, showing a steady downward trend, and the normal loan recovery rate reached 100%. The interest rate reaches 100%.

According to the number of loan plan indicators issued by the headquarters, my branch completed in 2019:

The annual interest income of the loan was 56.23 million yuan, which was 49.2 million yuan over the whole year, exceeding 7.12 million yuan, and completing 114.29% of the annual planning tasks;

The debt-receiving assets were processed at 320,000 yuan, and 123% of the annual planning tasks were completed;

Among them, the interest income of non-performing loans and the replacement of loan replacement tasks will be completed at the end of the year;

Second, the development of various work in 2019

Enhance financial strength and expand deposit scale

Facing the resources and environment of Panjin Financial Market, the leadership team of the branch has held a number of research and analysis meetings in light of the actual situation of the unit, focusing on raising funds as the center, and firmly establishing the business philosophy of deposits as the foundation of development and the source of development. . First, combined with the experience of our bank's deposit work for several years, based on the work plan of early planning and early implementation of tasks, before the end of the headquarters, we will intervene in the storage and storage work according to the geographical and geomorphic advantages of the Bank. "Combined with high-quality civilized services, in order to grasp the counter standard services, savings business marketing, visit customers, postal greeting cards to send Spring Festival and other forms of full-scale marketing offensive, as of the end of the first quarter, counter savings deposits increased by 36.14 million yuan compared with the beginning of the year, Zhongjie Branch Savings deposits increased by RMB 33.06 million compared with the beginning of the year. Savings deposits of the whole bank were RMB 547.02 million, an increase of RMB 69.2 million from the beginning of the year, an increase of 14.48%, and 82.38% of the annual planning tasks were completed. Second, after the headquarters planning indicators were issued, The leaders of the sub-branch combined with the comprehensive situation of each business outlets to conduct quantitative assessment of deposit indicators in a serious and detailed manner, and scientifically and practically formulated deposit allocation plans and rewards and punishments. We implemented a two-way assessment of the balance of the ten-day balance and the actual number of points. We adopted a system of labor-distribution that was more labor-intensive and unworkable, and greatly mobilized the enthusiasm of employees. The third is to give full play to the non-savings employees' sense of initiative and rely on incentives to absorb deposits. At the beginning of the year, we formulated the measures for the storage and retention of non-savings employees, and the employees tried their best to use all kinds of relationships to organize deposits. A number of talents such as Wang Chunling, Chen Li and Liang Xin have emerged. Therefore, our bank's savings deposits increased by 89.85 million yuan in May, and the annual savings deposit task issued by the city bank was completed 7 months ahead of schedule, and the excess was 5.85 million yuan. The fourth is to actively carry out the marketing work of bank cards. On the one hand, the public is widely publicized by means of hanging banners and issuing leaflets. On the other hand, additional business personnel are sent to Panjin City Sino-French Water Supply Co., Ltd. and Panjin City Park Management Office. The second high school of Panjin City and other enterprises and institutions promoted the advantages and convenience of Heka. Achieved the transition from quantity expansion to quality efficiency. As a result, 2,584 bank cards were opened at the end of the year, an increase of 2,162 cards compared with the beginning of the year, and 105.46% of the annual plan is issued, with a balance of 7.94 million yuan on the card. The balance is 132.75%; the fifth is to strengthen the construction of small and medium-sized customers to open accounts. We actively cultivate small and medium-sized customer groups and improve the deposit structure. In order to stabilize old customers, develop new customers, compete for key customers, and tap potential customers, the branch leaders take the lead in enterprises, individual industrial and commercial households, in the form of "watermelon, sesame" together, through mutual communication, understanding, discussion and other forms Closed the distance with customers, and finally received results, and each employee of our bank absorbed at least one public deposit account in one year. By the end of 2019, we increased the number of public deposit accounts to 57 at the beginning of the year. The number of new deposit accounts was 116, which increased the passenger flow and the external popularity index of the Bank, and prospered the Bank and made a strong publicity for the entire commercial bank. It laid a solid foundation for the over-fulfillment of various deposit indicators throughout the year.

Increase credit fund marketing efforts, strive to improve the quality of credit assets, and promote steady growth in operating efficiency. First, we will aim to achieve a win-win situation and increase support for SMEs. In accordance with the requirements of the headquarters' credit work in 2019, our Panshan Sub-branch, in accordance with the guiding plan of the higher authorities, increased the funding of the funds under the premise of avoiding various risks. The accumulated new loans for the year totaled RMB 132.832 million. Loan for Panjin Municipal Engineering Construction Corporation for municipal construction; loan for Panshan County Construction Investment Co., Ltd. for the development and construction of the new county; and several private enterprises such as Panjin Penglai Chemical Co., Ltd. for loan expansion and re-production. The second is to pay attention to the collection and conversion of non-performing assets, comprehensively and systematically check the operation of non-performing loans, legal persons and guarantors, and adopt tailor-made and follow-up methods for different enterprises, with emphasis and objectives. First and then light, first and then urgent strategy to step up the collection. In the whole year, a total of 48 loans were collected, amounting to 1,042.92 million yuan, of which 320,000 yuan was disposed of foreclosed assets, and 123% of the planned tasks were completed; the proportion of non-performing assets decreased significantly. The third is to adopt various effective methods and strive to collect interest. The accumulated annual interest rate was RMB 61.56 million. The realized benefits were 15.42 million yuan. We adopt the method of telephone notification for enterprises with good business performance and good reputation; for the enterprises with poor business and bad reputation, we adopt the method of door-to-door collection and mandatory collection. Therefore, through the down-to-earth work of our credit officers, the quarterly and full-year quality and quantity have completed the work of collecting interest loans.

Strengthen service awareness and enrich service connotation.

At the beginning of the year, we improved the "Working Rules for Quality and Civilized Service of Panshan Branch of Commercial Bank" and established a leading group for quality and civilized service work. The Zhongjie Sub-branch continued to hire a quality civilized service social supervisor. In the past year, we have continued to visit and study in our brother banks, and have adopted the new concept of advanced service in the industry. At the same time, some effective incentive mechanisms have been formulated: under the premise of learning services and testing services, we select a service model soldier every month, and select a high-quality civilized service window every quarter and reward it. This effectively improves the enthusiasm of employees.

Our service work has been highly recognized by the Quality and Civilization Office of the Headquarters. The Bank participated in the Liaoning Province Banking Industry Quality Civilization Service Competition from 2019 to 2019. Among them, Comrade Liu Chunfeng of Zhongjie Sub-branch was named as the service model of the banking industry of Liaoning Province in 2019. The Bank was rated as the advanced unit of high-quality civilized normative service in Liaoning Province in 2019.

First, in daily work, we pay attention to the training of employees' service awareness, and integrate the humanized, caring and careful services into the service work, and effectively implement the "services and services". The service tenet is to conduct service awareness education and service skill training 6 times among employees. Constantly optimize the service window, advocate employees to say good things, guide employees to do every business, supervise employees to serve every customer, win the hearts of customers with heart, and touch customers with sincerity.

The second is to broaden the means of service and extend the function of the counter service. In the past year, we have continuously improved the convenience facilities of our business outlets. We insisted on the principle of “second-line service for the first line and service for the first line”. During the New Year's Day and Spring Festival in 2019, the sub-branch invested XX to purchase prizes and engaged in two business outlets. A New Year's customer has a prize-winning activity, which greatly improved the credit index of the Bank. At the same time, every time we went to a major festival, we updated and decorated the business outlets, and the beautification environment became an important part of the service work. These beneficial practices have not only enhanced the friendship with customers, but also expanded the external influence of the Bank.

The third is to implement face-to-face services while improving service quality. We have selected high-quality, good-looking college students to send them to the first-line window to cultivate an excellent service team with new ways. Frontline staff at the front desk can provide a convenient and convenient way to open a bank account for SMEs and complete the construction with the shortest working day. On the other hand, the savings and cashiers of the frontline staff have tirelessly exchanged the disabled and the auxiliary currency for the customers. The use of the Panjin City bus is about 1.8 million yuan per month for the Panjin Dashang New Mart, the Xinglong Building 200, the Dongfeng Farmers Market, and the Sunshine University. Pharmacies and other enterprises and individual industrial and commercial households to solve the problem of change. On the other hand, we implement a special on-site service. At the end of November, the Zhongjie Sub-branch failed to report the loss of the business. Due to the loss of the human body and the illness, it was not possible to go to the counter in person. The Governor of the Branch, Mr. Ye Yongqing, went to Datun County, which is more than 30 miles away, to handle the loss reporting business. Comrade Liang Xin, the director of the sales department, often helps the companies to reconcile and rationalize the accounting subjects. It is our caring and careful service that has won the trust of our customers.

Strengthen the work of party building and promote the further improvement of the ideological quality of the workforce.

In the past year, the Party branch of the Bank of China has fully implemented the scientific development concept under the leadership of the municipal party committee. The development of the party building work can be based on its own reality, based on scientific development, and attaches great importance to the construction of the workforce. In the course of the year, I have done a series of practical and effective work: firstly, starting from the ideological education of employees, I have successively carried out professional ethics education with the dedication, law-abiding and civilized service as the main contents; the "three sessions and one lesson" education of party members; In the clean and self-discipline education of leading cadres, in the activities of party members and cadres carried out by the party committee of the municipal party, the party members and cadres of the Bank have achieved the "five-lead" and "five-priority", and watched the anti-corruption and integrity-oriented audio-visual films. It set off a climax of learning from outstanding Communist Party members such as Guo Mingyi and Wu Daguan, and consciously resisted corruption. The second is to create a harmonious green corporate culture. During the festival, a variety of cultural activities will be carried out, which will invigorate the festive atmosphere and encourage employees' enthusiasm for work. In-depth community and street promotion of counterfeit currency knowledge and savings business knowledge will establish a business. Good image and good atmosphere of public opinion; actively participate in the badminton and business knowledge competition held in May in the headquarters, showing the spirit of unity and progress of our bank; once again, we are concerned about employees and enthusiastic social welfare activities. While the Party branch of the sub-branch actively carried out poverty alleviation activities of “walking thousands of families and visiting ten thousand households”, it also cares about helping employees who have difficulties. No matter which one has a big deal, the organization sends a greeting and a warmth. During the hospitalization of Li Xiangming, a unit employee, the leader personally went to visit and brought gifts and condolences. It embodies that the Panshan branch is a harmonious collective and has the same warmth as home.

Strengthen employee business training and continuously improve the quality of employees' business. During the year, we can seriously participate in business learning and civilized etiquette training organized by the headquarters; we organize front-line employees to conduct business knowledge learning every month, and conduct quarterly exams. In October, we conducted a quality civilized service written test in all employees. Through continuous study and testing, the mental outlook and work style of our employees have undergone great changes, forming a new atmosphere of “catch, help, compare, learn, and super”, consciously implementing various rules and regulations, and violation of regulations and violations. Reducing, fundamentally solved the fuzzy understanding of the mind, the negative attitude at work. Greatly enhance the sense of ownership, crisis and mission of employees.

Improve internal control system construction, increase revenue and reduce expenditure, and ensure completeness. In the past year, we have always paid attention to the development of management work, and formulated corresponding rules and regulations in light of the actual situation of the unit. We have improved the fingerprint attendance system, cadre duty, and the cadre rotation system for the value system. We strengthened supervision and inspection and found violations. The person is severely punished. The company went to the savings outlets 24 times a year to punish more than 10 people for disciplinary violations, effectively correcting some wrong practices and disciplinary actions.

Promote efficiency and save money. In the past year, according to the financial accounting method of the headquarters, the expenses of various expenses will be minimized. For the purchase and use of office supplies, special personnel management shall be carried out, and the expenses of large expenses shall be submitted to the headquarters for approval before being processed. Effective and reasonable use of funds saves money.

The “special case management” work has always been the top priority of our work. In 2019, the Bank effectively carried out the "Internal Control and Case Prevention System Implementation Year" activities, and strengthened the organization and inspection of security and security work. During the year, we inspected more than 20 times of business outlets and important positions, conducted 3 fire and riot drills, and repaired and modified hardware facilities 4 times. The staff's thinking is dynamic and stable, and firmly establish the "safety is also the idea of ​​efficiency" to comprehensively carry out safety education activities. It is safe and safe throughout the year.

Looking back on 2019, there are still some problems and shortcomings behind the achievements. The main ones are: first, the scale of deposits is not large enough, and the profitability is low. Second, the quality of credit assets is low. Due to historical reasons, the principal and interest of non-performing loans are clear. There are still some shortcomings in the collection and replacement of loans. Third, the institutional and institutional development needs to be further strengthened. Fourth, there is still a certain gap in service work, and the service facilities and service functions are not perfect and imperfect. Fifth, risk management needs to be further strengthened.

Looking forward to the work of 2019, there is a long way to go. In the face of severe business environment and existing problems, we must keep a clear head, face difficulties and pressures, maintain a high degree of consistency with the headquarters, and take effective measures to solve them.

2019 work goals and measures

2019 will be the first year of the "Twelfth Five-Year Plan", the key period for the gradual recovery of the global economy. Facing the opportunities and challenges, we must implement the scientific development concept, improve the macro-control policies, and improve the under the correct leadership of the headquarters. Financial competitiveness, give full play to the characteristics and advantages of local city commercial banks, adjust service orientation and focus, and accelerate the formation of a modern financial industry with sufficient capital, strict internal control, safe operation and high quality service.

First, persist in unremitting efforts to attract deposits and expand market share. We must subjectively understand the importance of deposit work, strengthen the sense of competition, optimize the means of service, do a good job in the investigation and analysis of the financial resources market, focus on the marketing of large-scale systems, and start construction of the Shuangtaizi District. Real estate developers carry out full marketing and organize the compensation funds for the demolition of residents. Continue to increase the efforts to check the deposit, release the target responsibility, implement monthly assessment, quarterly rewards and punishments. Make full use of the advantages of my pedestrian and landforms, and strive to complete the first half of the work plan in the first three months. At the end of the year, we will strive to break through 100 million yuan. At the same time, we must do all kinds of preparatory work, analyze and study some unfavorable objective factors, and effectively prevent deposits from falling sharply.

Second, strengthen credit management and comprehensively improve asset quality. First, we must strengthen risk management, adhere to the principles of safety and efficiency, scientifically grasp the credit rhythm, optimize the credit business process, improve the post-lending management system, and fully guarantee the local economic construction and the loan demand of SMEs. Second, we must further increase the collection and conversion of non-performing loans and the disposal of debt assets. It is necessary to classify the existing non-performing loans and sort them out on a case-by-case basis, and to deal with the nails by means of the power of the judiciary. Third, we must further strengthen the income-receiving work of stock loans, complete 100% of the tasks of the city banks, and conduct comprehensive assessments. Fourth, we must strengthen the management of credit-based work and promote the adjustment of loan structure. According to the relevant policies of the headquarters, we have plans. Painting and selectively distributing private enterprises with good reputation, good management, good efficiency and good prospects, and private enterprises supported by policies.

Third, adhere to the people-oriented, and strengthen the construction of the workforce. Further improve various rules and regulations, and effectively carry out various activities such as political and ideological education, law and regulation learning, and financial business knowledge learning among all employees. Under the premise of perfecting the post restriction mechanism, the main focus is on grasping the implementation of the system. Strictly investigate and deal with illegal operation. Grasp the risk control and prevention of key departments , key links and key positions. We will comprehensively improve the overall quality of our employees, and continue to carry out the activities of “big training and technical competition” to cultivate compound talents. Amateur cultural life is widely carried out among employees, stimulating and mobilizing the enthusiasm of employees, fostering teamwork that employees care about the collective, love and dedication, love to be at home, and dedication. At the same time, we must care about the lives of our employees, listen to the opinions and opinions of our employees, and enhance the cohesiveness and creativity of our employees.

Looking forward to 2019, we will stand on a new starting point, review the situation, face opportunities and challenges to create a beautiful tomorrow for the Panshan branch.