Bank office work summary

Since XX years, under the correct leadership of the party committee directly under the municipal bank and the strong support of various departments, departments and offices, the ** office has conscientiously implemented the spirit of the provincial and municipal conferences, focusing on the realization of excellent asset quality and profitability. The development goal, adhere to the theme of accelerating development, focusing on optimizing customer structure and expanding business market, and ensuring the smooth development of various tasks with the guarantee of party building, all the work of our office throughout the year Satisfactory results have been achieved.

By the end of the year, our deposits amounted to 10,000 yuan, an increase of *** million yuan compared with the beginning of the year, including: 10,000 yuan for public deposits; 10,000 yuan for savings deposits, of which demand deposits *** 10,000 yuan, time deposits *** million yuan, intermediate business income ** 10,000 yuan, interbank deposits 10,000 yuan, ** million yuan over the beginning of the year; foreign currency deposits ** 10,000 dollars. Accumulatively apply for discounted *** million yuan to realize discounted interest income *** yuan; debit card issuance amount ***, card deposit *** million, regular loan balance *** million, interest income *** *10,000 yuan, the office's annual cash receipts and payments amounted to 10,000 million yuan, and the annual business volume was 10,000. In the assessment of the previous comprehensive business institutions in the year, they have achieved good results in two or three. In the various business inspections and high-quality civilized service inspections organized by the higher-level banks, they have achieved excellent results, and they have achieved a double harvest in business and spiritual civilization construction throughout the year. The work for the whole year is summarized as follows:

First, focus on strengthening ideological construction and improving the overall quality of the team.

** The rapid development of the office has benefited from the leadership team that can work as a battle fortification, thanks to solidarity and cooperation, and the high-quality workforce with strong sense of responsibility and boldness in work. At the beginning of the year, the leadership team of the office carefully considered and detailed the performance appraisal method for the employees of the office, which greatly mobilized the enthusiasm and enthusiasm of the employees. At the same time, the office has always regarded political and ideological work as a key point in its work. It has always insisted on "both hands and hard work". While doing a good job in business operations, we must pay close attention to system building and spiritual civilization. We will implement the party's line, principles, and policies, and pay close attention to the building of a clean government. We will resolutely do not seek private employment, clean and honest, and create a workforce that is striving for progress and active, and further promote the smooth development of all work. This year, we have developed a probationary party member.

In September this year, the city bank carried out a car change. Due to the remoteness of the office and the inconvenience of transportation, it was rainy, snowy and foggy. The employees of the office had to spend several times more on the road than usual. time. To this end, employees have to go early and get up early every day. But everyone in the office has no complaints, and they arrive at their jobs on time every day, regardless of the wind and rain, the heat and the cold.

Second, work ahead, dare to innovate, and strive to make new breakthroughs in deposits.

Since the beginning of the year, the office has continuously strengthened the basic position of deposit work, aiming at fighting market share by increasing marketing efforts, fully tapping suburban financial resources, highlighting the main role of outlets in marketing personal business, and beneficially promoting various deposits in the office. The work is carried out. However, since the beginning of this month, the standards for financial services charges issued by the provincial banks, especially the excessive fees charged by debit cards, have made our bank in a very unfavorable situation in the same industry in the field of foreign card transactions, resulting in some Gold customers with very large capital flows have been lost; this year, due to the country’s macro regulation and control, the introduction of a series of safety regulations, and the rising prices of raw materials, this year’s production and sales are sluggish, companies are generally sluggish, and savings deposits for offices and It has had a great impact on public deposits and has also had a certain impact on business volume. In addition, according to the requirements of the municipal bank, after April last year, ** was withdrawn to our office, involving deposits of 10,000 yuan, directly affecting deposits of 10,000 yuan. Some customers suspected that the traffic was inconvenient, causing this part of deposits to decline day by day. In view of the disadvantages of many parties, the leaders and employees of the office are not waiting for it, working hard on marketing, actively adapting to the market situation, and doing a "three transformations" in the market development work, that is, from the past waiting for customers to take the initiative The transformation has changed from a single department in a certain department to a close cooperation between the whole and the outside, from the development of a single agency business to the comprehensive development of assets, liabilities and intermediary business, and attracting customers with quality service. The office implemented the “Six-six Project” for the excavation and capture of gold customers. The internal integrated tellers promptly notified the account manager according to the change of the capital of the depositor, and the field account manager contacted the public relations, and warmly received the business integrated teller contacted by the account manager. Service, perfect cooperation with each other, has helped to promote the growth of high-quality customer deposits in the office.

three. Further expand and strengthen the intermediary business, and strive to cultivate new growth points.

The implementation of the "Measures for the Administration of Commercial Bank Service Prices" provides a rare historical opportunity for us to accelerate the development of intermediary business and increase the income of intermediary business. To this end, we will rely on the advantages of outlets and networks, and strive to do a good job in insurance agents, fund sales, and wages through the combination of counter sales and door-to-door marketing. In view of the fact that the office is located in the base of **, the characteristics of foreign customers are more and more, and the development of bill discounting, bank card, online banking and other services is vigorously pursued in order to achieve more income from intermediary business. The introduction of the charging standard also restricts the growth of savings deposits. The original large deposit card holders are transferred to other banks for business. In order to avoid the loss of deposits, the office promptly uses countermeasures to promote the use of our network and network advantages. Try to provide fast, efficient and convenient services to overcome the negative impact of fees.

4. Realize the security of capital operations, strengthen credit management, and improve the quality of credit assets.

1. Speed ​​up the pace of credit structure adjustment. Since the beginning of this year, according to the requirements of the municipal bank, we have strengthened the adjustment of credit structure and re-adjusted and confirmed the excellent customer goals. Adhere to customer classification management and actively eliminate inferior customers.

2. Improve loan procedures and preserve the quality of credit assets. For each loan, regardless of the amount of money, the director strictly checks the market, carefully conducts market research, follow-up investigation after loan, and timely understands the situation so that each loan can be safely recovered. While doing a good job in external business, the account manager also pays attention to the sorting work of the credit files. All the materials are bound and kept in accordance with the uniform standards, so that the pen and loan loans have information to check. File management is at the forefront of the entire bank.

3. Do a good job in customer census work, further understand the market of high-quality individual customers, enhance the pertinence and effectiveness of customer development, and promote the rapid development of personal business. In order to stabilize the customer base, the office has a good relationship with the surrounding large enterprises. While doing a good job in countertop service, we will visit the company in depth and register the related merchants and individual customers to lay a solid foundation for the development of personal credit business.

Looking back on the work throughout the year, we have achieved certain results, but at the same time we are more aware of the many problems in the development. In the following work, the office will focus on the benefits, overcome various unfavorable factors, and continue to deepen. Reform, strengthen all-person marketing, improve service levels, and improve service quality. Provide customers with personalized and differentiated services, strengthen internal management systems, improve the quality of accounting settlements, and ensure that all operations are free of accidents. Seriously study and summarize the problems and situations in the work to ensure the smooth development of work next year.