Bank branch summary of work in the first half of the year

Since the first half of the year, under the leadership of the new party committee, the Bank has adhered to the guidance of the important thinking of the 'Three Represents', adhered to a scientific and effective development concept, and paid close attention to the spirit of various work conferences and various work measures of provincial and municipal branches. The implementation of the implementation, in accordance with the establishment of the municipal party committee at the beginning of the year, "the deposit must go to a new level, clear management must have new breakthroughs, the operating efficiency should be greatly improved, the mechanism reform must have new measures, internal management should be standardized" five requirements Adhere to the principle of “total volume, quality, structure, innovation, management, and efficiency”. Through the joint efforts of employees of the whole bank, the main business objectives of the Bank in the first half of the year have reached more than 60%. Better completed the tasks assigned by the provincial branches,

I. Implementation of the credit financial plan

All deposits grew steadily and market share remained first. By the end of June, the balance of various deposits of the Bank had reached -10,000 yuan, a net increase of -10,000 yuan from the beginning of the year, an increase of 15.7%, an increase of -10,000 yuan over the same period of the previous year, and the completion of the provincial branch's annual plan of 390 million yuan -%. Among them: the net increase in savings deposits - 10,000 yuan, an increase of 14.5%, an increase of -10,000 yuan. The incremental market share was 48.12%, and the stock market share was 30.98%, which was 1.66 percentage points higher than the beginning of the year, ranking first in the industry, with an increase of 3.9 percentage points higher than the provincial average.

The financial revenue and expenditure increased by two lines, and operating profit was positive year-on-year. At the end of June, the Bank achieved financial income of RMB 10,000, a year-on-year increase of RMB 10,000, an increase of 43.18%. Among them, interest income from loans was 10,000 yuan, an increase of 10,000 yuan over the same period of last year, an increase of 43.28%; the income of financial institutions was 10,000 yuan, a year-on-year increase of -10,000 yuan, an increase of 40.16%. Intermediate business income - 10,000 yuan, year-on-year increase of -10,000 yuan, an increase of 63.28%, completed the annual plan of 6 million yuan -%; various expenditures - 10,000 yuan, an increase of -10,000 yuan, growth -%, of which interest expenses - Ten thousand yuan, an increase of -10,000 yuan over the same period of the previous year, the interest expenses of financial institutions - 10,000 yuan, an increase of -10,000 yuan, business management expenses - 10,000 yuan, an increase of 10,000 yuan. The balance of revenue and expenditure, the book profit - 10,000 yuan, an increase of -10,000 yuan, operating profit - 10,000 yuan, a year-on-year reduction of 10,000 yuan, completed the provincial branch to release the annual plan of 8 million yuan -%.

Non-performing loans achieved “double down” and asset quality was further optimized. At the end of June, the balance of non-performing loans of the five-category classification of the Bank--10,000 yuan, accounting for -%, down from the beginning of the year - 10,000 yuan, completed the provincial branch to drop the annual decline of 10.5 million yuan -%, accounting for a decrease of - percentage points at the beginning of the year . Among them: sub-type loans fell - 10,000 yuan, suspicious loans fell - 10,000 yuan, loss-type loans fell - 10,000 yuan. The balance of four-category non-performing loans - 10,000 yuan, accounting for -%, down from the beginning of the year - 10,000 yuan, a decrease of - percentage points. Clearing the principal and interest of non-performing loans - 10,000 yuan, completing the provincial branch plan of 36 million yuan -%; "scattering the small difference" loan exit - households, - 10,000 yuan, completing the annual plan -% and -%, over the year-on-year - Household, - million.

Loan marketing was difficult and the balance fell from the beginning of the year. The balance of various loans of the whole bank - 10,000 yuan, down from the beginning of the year - 10,000 yuan, a year-on-year increase of -10,000 yuan. At the end of June, the bank's loans were tens of thousands of yuan, excluding the factor of joint loans, which was less than 10,000 yuan compared with the same period of last year;

Second, the main work measures taken

Seriously study and establish basic development ideas based on actual conditions. After the work meeting of the Agricultural Bank of China in the beginning of XX, the new party committee of the Bank, on the basis of earnestly analyzing the situation and unifying the ideological understanding, put forward the overall requirements for the work of the whole bank this year and in the future, and established the overall requirements. The basic working ideas of “total quantity, quality, structure adjustment, innovation mechanism, strong management, increase efficiency, and development as the last word” are closely related to the new level of deposits and new breakthroughs in collection management. Five major tasks, such as major improvements in operational efficiency, new measures for internal reform, and standardization of internal management, have clearly defined the specific goals of XX and the next three years, and proposed a net increase of 400 million yuan in various deposits in XX. Strive for 500 million yuan; effective loans increased by 250 million yuan; the balance of non-performing loans decreased by 40 million yuan, accounting for a decrease of 8 percentage points; the interest rate of non-performing loans was 50 million yuan; the "disparity of loans" was 85,000 households. The loan principal and interest will be recovered by 100 million yuan; the intermediate business income will be 6.6 million yuan; and the operating profit will be 10 million yuan. In accordance with the requirements of "grasping the big, expanding the middle, not letting small" and "preserving the excavation", combined with the characteristics of the economic regional structure of Weinan, it puts forward the adjustment of the operating structure, the implementation of risk management, the innovation incentive mechanism, the system of party building and team building. The specific work measures were formulated and promulgated the "Agricultural Bank's XX-Year Quarterly Assessment Method", "Annual Comprehensive Assessment Method", "City Branch Office XX Year Performance-Linked Assessment Method", "City Branch Office Basic Management System", "Citywide On March 7th, the Bank of China’s branch management system for the management of star-level management of the Bank’s outlets was organized by the county’s branch president, the risk asset management department, the project accounting department head and the municipal branch office. 91 people participated in the XX-year work conference of the city's Agricultural Bank, and arranged various tasks for the XX year. At the same time, the responsibility system for leading counties and departments in the county was fully implemented, which provided guarantee for the solid and orderly development of various tasks.

Refining the strategy of “guaranteeing and robbing” and grasping the total amount of deposits. In view of the fact that the total amount of deposits in our bank is insufficient, especially the average point and per capita deposit level, the new party committee has started to clear the train of thought, accurately locate and raise awareness, and established the deposit work as the “life project for the accelerated development of the whole bank”. Active education guides employees to further enhance their sense of urgency, competition and responsibility, resolutely overcome the emotions of pride and complacency, and resolutely overcome the fears and wars of inaction in the face of competition and difficulties, and firmly establish the total amount. It is the strength, the share is the status, the increase is the efficiency, the increase is the competitiveness of the new concept of deposits, and constantly strengthen the "customer standing", "deposits" and "release the creativity of all employees, fight for market share, to deposit figures "Hero" business ideas, in order to thoroughly implement the spirit of the province's fund organization work video conference, and launch the Spring Festival quality service competition activities as an opportunity to effectively launch the full force of the staff, adhere to the public, savings and interbank deposits, and vigorously carried out Orientation, multi-level storage and storage work. On the basis of carefully segmenting the deposit market and determining the list of key customers of the Bank, we have established and improved the organization system for the leaders of the system, the key departments of the departments, the key households, and the general staff, and 8 households such as insurance companies. The large-scale system is mainly led by the leaders of the line, 48 households, hospitals and other institutional clients are the main department, and the urban and rural working-class employees pull the nets to catch deposits and conduct strict assessments. In late March, in response to problems such as large debts in the first quarter of the Bank's deposits, unbalanced inter-bank developments, and unsynchronized progress and time, the city's branch issued a "Notice" to organize manpower and demand confidence from the whole bank. Make great efforts to concentrate on the "two hands", effectively combine the arrangements for the whole year's work with the current business operations, and grasp the spirit of the XX-year work conference of the provincial and municipal branches, and grasp the completion of each task to ensure the completion of all tasks. Carrying out the spirit of the conference and the first quarter of business operations "two promotion, two mistakes." In April, in order to implement the spirit of the provincial branch meeting and the "five grasps" directive, closely surrounding the "six breakthroughs", the "Notice on Seriously Grasping the Business Operation in the Second Quarter" was issued in a timely manner, requiring the whole bank to Quarterly business operations, look at the rankings, find gaps, highlight "catch the weak, grasp the difference, pay the debts, grasp the progress, grasp the effect", further increase the intensity of work, require advanced to advance, advanced to advance, and send departments The responsible person will go to the various branches and branches to implement the specific implementation, ensure that the second quarter of the time is over half, and the task strives to complete 60% of the annual plan.

the above. At the same time, all employees of the engine are actively taking action and are fully committed to the business operations of the whole bank. They are required to take 20,000 yuan per month for amateurs, and take the actual action as the grassroots bank. By the end of June, the employees of the city branch office Amateur levy-10,000 yuan, accounting for -% of the increase in savings deposits of Wudu District Sub-branch. At the same time, the Bank vigorously promoted the implementation of key measures such as management of business outlets, management of teller star rating, and standardized services. The bank's deposit work has been carried out in a solid and effective manner.

Strengthen the management measures for collection and collection, and pay close attention to the quality of “double down”. In response to issues such as the high proportion of non-performing assets, the difficulty of clearing collections, and the direct impact of non-performing loans on the operating profit of the Bank, the Bank further strengthened its “effectiveness in clearing non-performing loans and making a small difference”. The business idea of ​​"returning loans to be profitable" has effectively taken the pressure drop of non-performing loans as a top priority. First, strengthen and improve the sub-account management mechanism. On the basis of earnestly drawing on the experience of the pilot bank, in accordance with the principle of “asset transfer, sub-blame management, construction of clearing platform, implementation of 10,000 yuan, relatively independent accounting, and bundled assessment”, flexible use of territorial collection and professional collection The effective measures such as the collection of all staff and full-time clearing, and all efforts to collect and collect the work, combined with the characteristics of the southern region, research and formulation of the "Implementation Measures for the Management of Non-performing Assets Divided Accounts", intends to open the Wudu District Branch Office The flop was rebuilt into a professional clearing sub-branch, and more than 20 employees were transferred from Wudu Sub-branch and the municipal branch to specialize in the collection and management of Wuduxing non-performing loans. After the successful pilot, it was implemented in the city. The second is to actively innovate and clear the means of collection. On the basis of earnestly summarizing and drawing on the experience of past collections, we will boldly innovate and make full use of various preferential policies for collecting and collecting, and further play a leading role in leading the collection work in the work of collecting and collecting. The leaders and departments of the city branch are responsible for the “double down” task of the non-performing loans of the counted counties in the year, and actively participate in the guidance and help to grasp the collection; the leaders of the county branches must personally take the lead in the line and take the lead in clearing the harvest. Put it on the collection of bad loans. By the end of June, the members of the second-level branch team had collected a total of 1.2 million yuan of non-performing loans such as the Kangba Wangba Gold Mine. The third is to accelerate the exit of the “small gap” loan. In addition to the implementation of the decommissioning of the task layer, the specific targets such as the elimination of small-sized customer loans below 1,000 yuan were proposed, and all the banks were required to make full use of the bidding and packaging while insisting on the centralized collection and collection of households in the village. Market-based collection methods such as selling and selling, speed up the exit process. Up to now, the whole bank has disposed of the market-based means such as packaged selling and selling to recover the non-performing loans of households, households, and households, accounting for -% of the total amount of loans for "small gaps". Fourth, continue to increase the efforts to collect non-performing loans for restructuring enterprises. Pay close attention to and actively participate in the dynamics of enterprise restructuring in the city, do everything possible to clean up and restructure the bad loans and principals of the enterprises, and take precautionary measures against the decisive recovery that is difficult to recover at one time, so as to prevent the loan debts from being evaded. At present, the principal and interest of non-performing loans of the reformed enterprises such as the Huizhou Feed Company have been recovered. The fifth is to increase the liquidation of debt-to-debt assets. By the end of June, the Bank had disposed of a total of 10,000 yuan of debt-reducing assets, accounting for -% of the annual disposal plan of 1 million yuan, and offsetting the "to be processed to meet debt assets" - 10,000 yuan. Sixth, we must adhere to the law to collect loans without wavering. The Bank continued to strengthen the guidance, coordination and service for the legal collection work, and flexibly used litigation methods to overcome key households, nail households and debt-paying households, opening a new situation for the Bank's collection and collection work. By the end of June, the Bank had accused a total of suicide-households, won the case-household, and recovered the loan for the prosecution of enterprises-10,000 yuan. At the same time, the Bank vigorously promoted the responsibility system for the collection of non-performing loans, further improved and refined the assessment methods for collection and collection, and strictly carried out the assessment to promote the solid and effective development of the collection and management of non-performing loans.

Adhere to the "good" as the standard, pay close attention to loan marketing. In accordance with the principle of “grasping the big, expanding the middle, not letting small” and “asset, liability, intermediary business”, we will vigorously develop high-quality projects, systematic high-value customers and small and medium-sized customers with development potential. First, grab the company's quality customers. The company's business focuses on power, communication customers and the "South-Shuibei Mine" project, and strives to develop various types of corporate customers that are in line with national industry, industry policies and restructuring, with clear relationship of property rights, operational benefits and promising prospects. Investigated and reported the XX million yuan working capital loan of Hanping Tsui Power Station, the 10 million yuan working capital loan of “Donely” Bio-Pharmaceutical Co., Ltd., the RMB 15 million medium-term working capital loan of Tiancheng Industry and Trade Co., Ltd., and the 4 million yuan of Xihe Xinda Company. Yuan working capital loan. The second is to seek breakthroughs in the institutional industry. On the basis of consolidating and maintaining the original customers, the organization's business will further strengthen the contact and cooperation with the municipal, county, finance, planning, social security, transportation, environmental protection, urban construction, immigration, education, health and other institutional clients. Key schools, key hospitals and inter-bank financial institutions expanded their cooperation scope, and issued a total of 29 million yuan of loans from Chengxian No. 1 Middle School, Wudu District Hospital, Suichang Chinese Medicine Hospital, Kangxian No. 1 Middle School, and Liangdang County Hospital; The charging agency business of Huixian Petroleum Company and Wenxian Petroleum Company further expanded the banking and agency business of the whole bank. The city's branch-level leaders successively visited 15 key customers, and directly mobilized the basic accounts of the three branches of Minnan People's Insurance Company to open our bank. The third is to strive to build the core competitiveness of personal business. Under the premise of strict procedures and ensuring quality, we will actively market personal credit services such as small pledges, wage performance, retail mortgages, personal housing, personal production and operation, and handle bank cards, open-end funds, government bonds, education savings, and exchange dumps. As a flagship product of personal business marketing, personal settlement accounts, etc., dig all kinds of personal business resources, actively develop and cultivate a group of individual customers with relatively stable income and good reputation, and signed individual wage performance loan agreements with 5 units. . The fourth is to increase the expansion of intermediary business. Firmly grasp the comprehensive timing of card business and carry out the "bank card quality and efficiency year" activities, improve the service marketing methods, adjust the card issuance structure, and increase the issuance of cards. By the end of June, the number of cards issued by the whole bank increased from the beginning of the year - Zhang, an increase of - Zhang. At the same time, we seized the favorable opportunity of annual vehicle inspection and advanced actions. Starting from the beginning of April, we organized a six-month “incentive marketing competition for insurance agency business”, and implemented the mobilization of all the banks. All members have tasks. Effectively promoted the development of insurance agency business. At the end of June, the property insurance premium income was 10,000 yuan, accounting for -% of the total premium income of the whole bank, and the fee income was -10,000 yuan, accounting for -% of the total fee income. The fifth is to improve the marketing incentive mechanism, vigorously promote the "lead account manager" marketing, full-market marketing and team marketing mechanism, give full play to the social resources of all employees, so that the Bank's business structure and customer structure have been significantly improved.

Efforts to increase revenues and reduce expenditures, and strengthen management to increase efficiency. First, actively promote economic capital management. On the basis of the existing profit indicators, factors such as tax adjustment, risk deduction, and capital return are included in the accounting scope, with emphasis on risks and values. The second is to increase the intensity of off-balance sheet income. In view of the outstanding problems of the Bank's limited financial resources and low interest rate, the Bank strengthened its fund management, actively and steadily marketed effective assets, and continued to expand its income-increasing channels in terms of depositing funds, expanding effective assets and developing intermediary businesses. On the one hand, focusing on the withdrawal of non-performing loan principal and interest and the small-small loan withdrawal, the company relies on the responsibility of receiving internal and external personnel to increase the assessment, and fully utilizes the disposal of debt-receiving assets and the cancellation of the write-off of bad debts. Loans and other methods, adhere to the potential for income increase on off-balance sheet receivables. The third is to optimize the allocation of resources and increase the incentives for profitability. By increasing the support for profitable banks, we will actively promote the collection of

The cost management mode strictly controls the publicity expenses, hospitality expenses, training fees, conference fees, travel expenses and other measures to ensure the steady growth of the Bank's operating profit.

Strengthen internal control and strictly regulate business and operational behavior. The Bank insisted on carrying out basic management as a safeguard measure for the normal operation of business operations. According to the requirements of first-level and first-level implementation, the internal self-regulatory work was regularly organized and the functional role of the re-supervising department was fully exerted. Seriously carried out the business authenticity audit, the president’s departure audit, the new loan audit since XX, the personal loan compliance audit and the “four” follow-up audit work, which were discovered by the internal audit and banking supervision departments of the Bank in recent years. The problem was comprehensively carried out self-examination, self-correction and supervision and rectification; cooperated with the provincial branch operation risk inspection team, and checked and corrected some violations of the grassroots operation posts of the Bank, conducted a thorough investigation of the entire staff, and timely responded to relevant questions of the public. Verification feedback was carried out to effectively prevent the occurrence of various types of cases and accidents.

Third, the difficulties and problems

First, the loan marketing is difficult, and the funds are not fully utilized, which seriously affects operating income. By the end of June, the Bank had accumulated a total of 81.43 million yuan of loans, excluding the factor of joint loans, which was 24.39 million yuan less than the same period of the previous year. The balance decreased by 6.59 million yuan compared with the beginning of the year, a year-on-year increase of 113.38 million yuan. The main reason is that the local economic environment is poor, there are few excellent customers, and the demand for effective loans is insufficient. In addition, the loan of 100 million yuan from the Hanping Tsui Power Station reported in August last year has not been approved, which has certain impact on the financial basic income of the whole bank; Personal business is limited by the local business environment and conditions, and the development space is not very large. Both self-owned and special-purpose loans showed negative growth. The deposit and loan stock ratio was 50%, down 8.1 percentage points from the beginning of the year, and the incremental ratio was -2.0%, down 51.2 percentage points year-on-year, which had a serious impact on the Bank's operating efficiency. Second, the history is overburdened and the infrastructure is in arrears. The loss-making account of the whole bank was as high as 176.69 million yuan. According to the deposit interest rate, the annual loss was 6.08 million yuan. Third, the employee's income decreased year-on-year. After the implementation of the new performance appraisal method, the income of employees decreased significantly due to the management base and profitability. In the first half of the year, the provincial branches assessed the performance pay-10,000 yuan, a decrease of 840,000 yuan and a decrease of 1444 yuan per capita. Affected the enthusiasm of employees. In addition to our own efforts, these questions are requested to help and guide the higher level.

Fourth, the work focus in the second half of the year

First, continue to increase the amount of seizures and continue to occupy the deposit market. Vigorously develop individual customer groups, strive to achieve the goal of “upper steps” in business outlets, ensure stable growth of savings deposits; actively “grab” the institutional customer base, strive to achieve new breakthroughs in public deposits; strengthen competition for development, focus on mining gold customers, Further increase the growth rate of deposits and ensure the growth of total bank deposits and market share. The second is to highlight the key points to "weak." The whole bank will further exert its guiding and supervising role in leading counties and departments in Bao County, focusing on two counties such as Wenxian County, which has slow business development and poor completion of various tasks. The third is to recognize the situation and grasp the "poor". At present, the biggest problem and difficulty in the operation of the Bank is the slow marketing of loans. To this end, the Bank will further study the overall ideas and specific measures for loan marketing, identify the breakthrough points for entry points and loan marketing, and organize through the municipal branches to promote marketing. Efforts to increase the success rate of credit marketing. The fourth is to find the right entry point to catch "ow". At present, the bank's intermediate business income is relatively large, and the Bank will actively seek market entry points and vigorously develop intermediary business. First of all, on the basis of fully grasping the comprehensive charging opportunities of bank cards, speeding up the issuance of cards, improving the card issuance structure, and comprehensively improving the comprehensive income level of bank cards, we will focus on strengthening the supervision and promotion of the "incentive marketing competition activities of insurance agency business", and grasp the progress. Promote marketing and ensure that the goals of the marketing competition are successfully achieved. Secondly, we must continue to expand the scope of collection and payment services, do everything possible to win the agricultural distribution agency business in Lixian County and Huixian County, and strive to expand the charging service of grassroots gas stations in Wudu, Xihe and Chengxian oil companies, and strive to realize the agency of the whole jurisdiction; Further strengthen contact and communication with systemic customers such as telecommunications, mobile, China Unicom, tobacco, and hydropower, and continuously expand the scope of business cooperation. The fifth is to reduce the progress of bad. On the premise of paying attention to the effect of clearing the collection, the combination of sub-accounting management and local collection and collection, combined with full-time clearing and full-person clearing, accelerates the formation of professional clearing branches, ensuring the solid and effective operation of the bank's sub-accounting work; The city's enterprise restructuring dynamics, actively adopting various effective means, while earnestly safeguarding the loan creditor's rights of the Bank, strive to make breakthroughs in the principal and interest of non-performing loans of the enterprises that have been restructured and restructured; actively promote market-based clearing measures such as packaged selling and selling, and comprehensively accelerate The pace of the small margin loan withdrawal.

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