Bank's annual work summary

This year is the first year for the Bank to implement the “supernormal, leaping development strategy” and the first year to achieve the three-year development plan. With the correct leadership and care of the higher level, the Bank has formulated a careful work plan and work measures, and resolutely implemented the work ideas formulated at the work meeting at the beginning of the year to ensure a good start and a good start. In the past year, the cadres and workers of the whole bank have united as one, and they have worked hard and achieved fruitful results.

I. Completion of major business operation indicators

Compared with previous years, this year's development of our bank has embarked on the fast lane, and various businesses have hit record highs, showing an unconventional development trend.

Various deposits grew rapidly. By the end of the year, the balance of RMB deposits of the Bank was 8.5 billion yuan, an increase of 600 million over the beginning of the year, an increase of 10,000 yuan over the same period of last year. . Among them, RMB deposits to the public increased by 220 million yuan, RMB savings increased by 300 million yuan, RMB interbank deposits increased by 0.8 billion yuan, and foreign exchange deposits increased by 10 million US dollars. The average daily average was 150 million yuan per day. The increase in foreign currency deposits became an important source of deposit growth for our bank. Interbank deposits and savings deposits also increased substantially, and deposit growth rate reached a record high.

The scale of loans has increased and the structure has been continuously optimized. At the end of the year, the balance of various loans was 4.7 billion yuan, an increase of 300 million over the beginning of the year. It mainly increased investment in low-risk loans such as excellent customers and mortgages and consumer loans; such as pta, investment, tungsten, Zhongda, Haishu Avenue and other large projects. Credit assets remained generally of high quality, and the proportion of non-performing loans was less than 3.5%. In particular, the balance of non-performing loans in the first quarter and the second quarter of this year decreased compared with last year; however, from the stock analysis, the number of sluggish loans increased; The interest rate in the table is expected to reach 100% or more, and the comprehensive income rate is expected to reach 97%. The level of interest collection is among the highest in the country.

The intermediary business has grown substantially. This year, the Bank's international settlement and settlement sales volume ranked second in the jurisdiction, and it has approached the first place. It is estimated that the international settlement amount will be 250 million US dollars and the settlement and sales will be about 100 million US dollars. The foreign exchange business has a large increase in fee income, which is expected to reach 3.5 million, which is equivalent to about 20% of my profit. Bank acceptance bills business and bill discounting business have also grown substantially, becoming another new source of profit.

Operating profit has doubled. In 200* years, the Bank realized a total profit of 85 million yuan, of which RMB profit was about 77 million, foreign exchange profit was about 4.5 million US dollars, and the settlement fee income was about 3.5 million yuan. The per capita profit reached 250,000 yuan. Compared with the profitability level of the past few years, the profit level of our bank has achieved a leap-forward development this year.

Second, the main work measures and successful experience

Segment the market, accurately locate, seize the focus, and actively market the wholesale business. In 200* years, the Bank will divide the public market into “five ones”, namely a port, a boulevard, a real estate, a batch of projects and a trust company. After clarifying the target positioning, we have established a set of market marketing mechanisms that are responsive, fast-changing, tacky, and service-oriented, and creatively carry out work to expand the market in all directions. The specific practices include: upgrading the management level, and upgrading the responsible subjects to the business department for large-scale and high-demand key customers. The project of more than 10 million US dollars is directly responsible for the research and negotiation by the president; the establishment of a strong research team, the whole The people with strong ability in research and development have gathered to form a powerful research team, and the right people of different characteristics are selected to combine, the group fights, the upper and lower linkages, and the elites attack hard. Highlighting the competitive advantage, grasping the opportunity of our company to deepen the construction of corporate culture, making a big fuss in service, attracting customers with high-quality services, vigorously marketing new business varieties launched by the main branches, providing customers with a package of service solutions and striving for service. The depth and breadth of the line are better than others; the leaders lead by example and take the lead in tackling the problem, ensuring that at least half of the time is spent visiting customers, and key customers insist on visiting once a month, paying attention to improving and improving the relationship between banks and enterprises. Through unremitting efforts, this year, the Bank has won a number of valuable customers, such as Deyan Paper, Jintong Chemical, Fenglong Aquatic Products, Xiamen Xinguo, Haishu Hospital and other key customers. A number of potential projects such as Feiteng, Pearl Bay, Export Processing Zone and International Containers have laid a solid foundation for the rapid development of our business in the next two or three years.

Adhere to variety innovation and service innovation, and develop retail business in multiple directions. This year, the Bank seized the key tasks of collecting money from behalf of customers, upgrading the payment of agricultural power, and implementing vip services. We will do a good job in tackling local and foreign currency savings deposits, focusing on valued private customers and vigorously marketing retail business. The first is to carry out standardized service process drills, improve service levels, and provide standardized services for depositors. Second, increase the absorption of wealth management funds, and seize the characteristics of hard-working funds mainly rely on efforts, all actors, targeting neighboring merchants, villagers and Old customers, effectively absorb financial resources. The third is to explore the bottom of Haishu stocks, dynamic tracking, absorption of stock market return funds. The fourth is to launch a private business vip service program, open vip priority channel, establish vip customer files, implement differentiated services, and provide a package of wealth management services for valuable private clients. Fifth, increase publicity efforts and rebuild Dongfeng by agricultural network. The “Into the Thousands of Households Activities” was launched. After one month, the outlets actively participated in the promotion of the rural electricity and payment card. The film was sent to the countryside and the business propaganda was used as the medium. The whole bank mobilized and went into every urban and rural area. In the corner, we increased the penetration of our bank into the rural business market, publicized the business of the Bank, and improved the social visibility of the Bank. Through a series of fruitful work, by the end of the year, the balance of savings of the Bank was about 100 million yuan, about 100 million yuan more than the beginning of the year, and the tasks assigned by the branches were completed, the highest level in history.

Increase loan marketing efforts, expand loan scale, and continuously optimize the credit structure. In order to enhance the long-term development potential, we have attached great importance to accelerating loan marketing since the beginning of the year, actively seeking to expand the scale of loans, and promote the business of public deposits and settlement. First, the loan marketing of excellent customers, for key enterprises such as pta, Xiangda, Zhongteng, Liuye, Duowei, and Investment General, increased the credit line and actively sold loans. The second is to increase the marketing of project loans, such as the Feiteng and Pearl Bay projects. The third is to increase the launch of low-risk loans such as mortgage loans and personal consumption loans. By expanding the increment, more loans will be invested in the dual-premium customers, thus optimizing the stock and realizing the effective adjustment of the loan structure. In the basic work of loan management, the sub-branch is based on the strict implementation of the early warning and forecasting system, and comprehensively improves the level of credit asset management. First of all, strict access to loans, loan issuance adheres to the dual-optimal strategy, and is determined not to lend to loans or loans; secondly, adhere to the classification management of loan customers, implement voluntary exit, gradually reduce the average customer, and actively eliminate inferior customers. The third is to strictly implement the early warning and forecasting system for credit management, making this work the most powerful tool for credit management and the daily work of each account manager, and increasing the assessment and rewards and punishments for this work. By the end of the year, the balance of domestic and foreign currency loans exceeded RMB 1 billion, an increase of RMB 300 million from the beginning of the year. Among them, loans from excellent customers and low-risk businesses accounted for more than 90%.

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Efforts will be made to improve the level of capital operation and strive to maximize profits. Since the beginning of the year, the Bank has increased the analysis of the operation of the Bank's quarterly funds and found solutions to the problems. The Office also emphasized the cost savings in administrative logistics support, strengthened the cost control, and formulated a series of effective The measures, such as strengthening the control of vehicle costs, watermail and other operating expenses, strengthen the management of business hospitality and public and miscellaneous fees, and spend money on the key to business development. The outlets have no benefit, and the unprofitable costs are not spent. The business department also insists on daily monitoring and scheduling of key enterprises' capital in and out, optimizing the efficiency of position utilization and improving the efficiency of operations. In view of the high number of foreign customers in Haishu and the high quality of the international business practitioners, the Bank attaches great importance to seizing the opportunity to develop international business. This year, through strengthening customer manager training, the Bank further improved the quality and level of employees; in the service, it ensures the door-to-door collection, improves the efficiency of work, and guarantees the timeliness of work. At the same time, it actively expands the import and export with international settlement as the leader. Financing business under the item. In the international business marketing strategy, we have done enough customers, constantly expanding the group, focusing on the licensing business of pta, ensuring the share; striving to increase the original share of our customers in Xianglu, Duowei and other key customers; Yan, Jin Dawei and other customers breakthrough in international settlement. By the end of the year, the Bank's international settlement volume is expected to reach 260 million US dollars, the settlement and sales reached 100 million US dollars, the international business fee income reached 3.5 million yuan, the foreign exchange profit was 450,000 US dollars, two total 6.5 million yuan, about Accounted for 45% of total profits. At the same time, pay close attention to the collection work. First, strict checks and non-conforming non-performing loans are not available; on the other hand, as long as they meet the three principles of revitalization, they must be bold. In response to the ideological problem that the account manager has concerns about revitalizing the old loan, the branch reiterated that it must seriously examine and approve the strict control. Second, enterprises that meet the principle of branch revitalization must have a responsible attitude and boldness; if the account manager treats this issue negatively, the branch will deal with it seriously; the third is to clarify the key objectives of each stage, one household, one policy, plus The implementation of the big progress, daily tracking; for the companies that do not return the debt to take the typical, implement effective means to collect. The fourth is to pay close attention to the work of agricultural loans. This income source has been an important part of the Bank's interest rate increase in previous years, but the overall effect this year is not obvious; the fifth is to actively collect large interest rates and off-balance sheet receivables. Through hard work, the non-performing loans of our bank have declined in the first half of this year, and the second half of the year has been affected by the adjustment of loan patterns. It is expected that the number of non-period loans will increase by more than 4 million yuan from the beginning of the year. The comprehensive income rate is expected to reach 97%, completing the target set by the branch.

Deepen reform, strengthen management, and improve service quality and competitiveness. This year, the Bank first carried out a more in-depth reform of the three systems. In the aspect of personnel employment reform, the middle-level cadre competition system has been fully implemented, and the combination of talents and introductions through internal competition has been introduced to continuously improve the quality of middle-level management personnel. The implementation of full-member competition for posts, the implementation of internal mobile delisting, one year one choice, half a year fine-tuning, optimize the labor mix. In terms of income distribution reform, a comprehensive assessment method was formulated to fully implement internal simulation pricing for each outlet, and the gap was opened according to the comprehensive benefits, quality and quantity of outlets. For different positions, comprehensive consideration of four factors such as difficulty level, labor intensity, risk level and geographical conditions, scientifically develop post factors, tilt to key positions, implement the account manager hierarchy, and truly mobilize the enthusiasm of employees. In the organization, the implementation of flat management, implementation of post-receipt review and other measures. By actively promoting the reform of the three systems, we have gradually established a scientific and rational mechanism for competition, incentives and elimination. The establishment of an assistant position has trained young cadres. Adjust the post factor and perform two-way selection and delisting. Second, explore new ways to combine strict management and scientific management to promote management. In terms of internal management, this year, the Bank continued to improve the construction of rules and regulations and improve the implementation, supervision and inspection mechanisms. Strictly implement the "**** Staff Manual" to enable the whole bank to develop a good habit of obeying the rules and discipline; increase supervision and inspection. The line leaders should at least check the grassroots outlets at least once a month. The competent authorities should conduct a comprehensive inspection of the grassroots outlets at least twice a month, strengthen the social supervision of social supervisors, and link the internal management level with the benefits. Establish a warning system to provide written warnings to mid-level managers with poor management, business stagnation or other problems until they are removed from their duties. Strengthen financial accounting management, implement a responsible accounting system, and increase revenue to reduce costs. Carry out income accounting for each business operation network, implement performance-linked and profit-cost-linked methods, determine income distribution and business development expenses by profit contribution, and improve cost-benefit ratio. At the same time, attach importance to strengthening property management, vehicle management and office supplies bidding and procurement, control management costs, and reduce expenses. Introduced the iso9000 quality management system. Under the active advocacy of the leadership of the bank, through the collective and careful discussion and research of the president's office, I launched the iso project in July this year to shape the service brand. Through the development and implementation of quality policy and quality objectives, internal audit and management review, customer evaluation program, archival data control program, non-conforming product control, corrective prevention and improvement programs, and a series of new management and service measures, strive to pass a period of time Practice, and gradually shape the image of a brand-name service brand. Third, carry out the activities of “Creating First-Class Service, Building a Brand of Agricultural Banks” and pursuing service grades. The Bank attaches great importance to strengthening and improving service work, and has repeatedly researched and deployed effective measures to improve services. Through various activities, it has strengthened the concept of civilized and high-quality services throughout the Bank, and this year, the overall service level of the Bank has improved. . First, we adhered to some effective measures summarized by the “First-class Service Phenomenon” last year, such as the implementation of weekly flag-raising ceremony, pre-class evaluation system, daily one-star, duty manager system and other institutionalized activities, and these measures It has been consolidated, strengthened and improved. Secondly, it has insisted on in-depth training and training of service skills, standardized service process drills, and effective civilized and high-quality service themed activities such as silver enterprise forums, corporate financial personnel training, and business promotion. In particular, the “Red May Civilization Quality Service Month” campaign was launched to focus on the breadth and depth of service. This activity has gradually increased our business performance. In the second half of the year, the Bank launched the “Into the Thousands and Ten Thousand Households Activity” to publicize the rural concession payment service. Through the new form of film going to the countryside, the Bank improved the service level of the Bank to rural depositors and publicized the image of the Agricultural Bank; The third is service innovation. Since the beginning of this year, the branch business department has achieved good results through the implementation of two-line service work for key customers. The growth of key customers has become the most important driving force for the rapid development of our business. The private business vip service launched in the second half of the year also caused a good response in Haishu, and opened up new ideas for our savings work. In addition, we have also introduced new forms of effective services such as the free-to-fill service, which has won praise from customers. The fourth is to cultivate and emerge the service star such as Guo Guozhu, director of the sales department, Qiu Jun, the director of the business department, and a group of outstanding account managers. These advanced services typically vividly educate and inspire the surrounding employees to make the first-class service become me. Acting consciously by employees. The first-class service has changed the image of ABC, and has produced a good regional social influence and enhanced the competitiveness of the Bank. Fourth, focus on promoting the “Chengde Project” and improve the overall quality of employees. Since the beginning of this year, the Bank has adhered to the principle of “prosperity of talents and people-oriented”, vigorously advocated the concept of enterprise development and the simultaneous growth of personal values, promoted the “Chengcai Project”, and comprehensively improved the thinking and professional quality of the workforce. The measures we have taken mainly include actual combat training, training improvement, encouragement of upgrading, mechanism catalysis and promotion of activities. By promoting the “Chengcai Project”, the Bank not only introduced a group of high-quality talents, but also cultivated a large number of young and promising talents, and reserved abundant resources for the development of our business. In the past few years, many employees of Haishuxing have left their minds because of their poor working environment and enthusiasm for work. Now these people are not only firmly staying, but many people are also rapidly growing into business backbones. Fifth, attach importance to improving the working environment and working conditions of employees. Since the beginning of this year, the sub-branch has strengthened the transformation of outlets, strengthened the shuttle bus to and from the employees, and improved the management of staff canteens and staff dormitory management, improving employee welfare, organizing rich group activities, etc. . By doing a good job in people's ideological work, the cadres and workers of the whole bank work more smoothly and more motivated, and better promote the development of business work. In addition, in strengthening the party's work style and clean government construction and the work of three defenses and one guarantee, the Bank has also done a lot of meticulous and earnest work, established an effective responsibility system management, and ensured that the whole year of safe operation has no accidents through the implementation of the implementation. The department's praise.

Third, problems and difficulties in the work

From the overall perspective of the branch, whether it is total profit, profit plan completion rate, non-performing loan decline rate and deposit growth rate, this year's fraternal units have developed rapidly, compared to the development speed of our bank is not the most Ok, there is room for effort.

From the perspective of operating results, first, RMB deposits have been at a low level for a long time, and even under the horizon for a long time. Second, the work of clearing non-interest income is not enough, and there are not many ways, especially the work of Qingfei. Tight phenomenon. The task of reducing 2.5 million for the whole year has not been completed; the third is that the development between our outlets is very uneven.

From the perspective of subjective efforts, we still have many shortcomings. First, the enthusiasm of employees of the whole bank, especially ordinary employees, did not play well. Some employees even have a negative tendency to pay attention to work and enthusiasm. The second is to treat the work first and then tight, leading to the passive work in our work. Third, cadres at all levels do not have an in-depth study in their work. When they encounter difficulties or problems, they do not think deeply and work methods are insufficient. Fourth, the service level has been slow to improve, and there has not been a significant improvement in quality. It is not compatible with the current high-speed development of the Bank.

Fourth, work ideas for next year

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