Bank's third quarter work summary

Since the beginning of the year, the Bank has adhered to business operations as the center, supporting the development of farmers and rural SMEs as the main target, constantly improving various rules and regulations, strengthening internal management, paying close attention to the implementation of rules and regulations, and striving to prevent from the source. Resolve financial risks, ensure the healthy, stable and safe operation of various business activities, and achieve significant internal and social benefits, and make positive contributions to the establishment of Zhuanghe into a modern ecological center city in the North Yellow Sea region.

First, the basic situation

Loan situation

As of the end of September this year, the balance of various loans of the Bank was 553.69 million yuan, an increase of 361.29 million yuan or 187.78% over the beginning of the year. Among them: farmers' loans amounted to RMB 30.72 million, accounting for 55.22%. The short-term guaranteed loan for rural industry and commerce was 146.89 million yuan, accounting for 26.53%. The short-term mortgage pledge loan for rural industry and commerce was RMB 85.58 million, accounting for 14.55%. Rural medium and long-term guaranteed loans amounted to 5 million yuan, accounting for 0.90%. Rural medium and long-term mortgage loans amounted to 15.5 million yuan, accounting for 2.80%.

From January to September, a total of 653.73 million yuan of loans were granted, and the loan was recovered by 274.44 million yuan. The loan recovery rate is 100%. The loan interest income was recovered by 28.87 million yuan, and the loan interest rate was 100%.

Deposit situation

At the end of September, the balance of various deposits was 509.23 million yuan, an increase of 246.04 million yuan or 93.48% over the beginning of the year. Among them, the balance of savings deposits was 234.76 million yuan, an increase of 111.98 million yuan over the beginning of the year, an increase of 47.27%. The balance of corporate deposits was RMB 261.3 million, an increase of RMB 121.89 million or 87.43% over the beginning of the year. The notice deposit was 13.17 million yuan, an increase of 100% over the beginning of the year.

Financial situation

At the end of September, the Bank's revenue from various businesses was RMB 29.81 million, of which: interest income from loans was 28.87 million yuan, and interest income from financial institutions was 940,000 yuan. The total business expenditure was 21.69 million yuan, the total profit before tax was 10.83 million yuan, and the net profit after tax was 8.12 million yuan.

Regulatory indicators

First, the balance sheet status. First, the total assets were 699.74 million yuan, of which: current assets of 623.42 million yuan; long-term assets of 75.08 million yuan; deferred assets of 1.24 million yuan. Second, the total liabilities and owner's equity were 699.74 million yuan, of which: current liabilities were 577.78 million yuan; long-term liabilities were 2.36 million yuan. Third, the total owner's equity was 119.61 million yuan, including: equity capital of 110 million yuan; surplus reserve of 820,000 yuan, general preparation of 600,000 yuan, undistributed profit of 8.19 million yuan; this year's profit before tax of 10.83 million yuan.

Second, the composition of capital. First, the owner's equity was 119.61 million yuan. Among them: the paid-in capital is 110 million yuan, the surplus reserve is 820,000 yuan, the general preparation is 600,000 yuan, and the undistributed profit is 8.19 million yuan. Second, the weighted risk assets in the table were 576.14 million yuan. Third, the capital adequacy ratio is 21.64 ≥ 8% of industry regulatory standards. Fourth, the core capital adequacy ratio is 20.69% ≥ 4% of industry regulatory standards.

Third, the credit risk situation is that the non-performing loan ratio and the ratio of non-performing assets are all zero. Second, the loan bad debt preparation at the end of September was 5.54 million yuan. The loan loss reserve adequacy ratio, asset loss reserve adequacy ratio, and provision coverage ratio are all ≥100%, and are controlled within the scope of industry regulatory standards.

Fourth, the liquidity risk situation. First, the liquidity ratio is 107.90%. The second is to deposit a total of 67.35 million yuan from the central bank, including: deposit reserve of 58.56 million yuan, deposit reserve of 8.79 million yuan, and deposit provision rate of 13.23%. Third, the loan-to-deposit ratio was 108.73%, and the loan-to-deposit ratio of capital was 89.42%.

Fifth, the profitability situation. First, the asset profit rate is 1.54% ≥ 0.6% of industry regulatory standards. Second, the capital profit rate is 9.85%, and the industry standard is not less than 11%. Due to the short set-up time of the Bank, the small loan scale and the small loan interest income, the capital profit rate is lower than the same industry level. Third, the profit cost rate of 49.93% ≥ 45% of industry regulatory standards

Second, the main work measures

Strengthen the management of secretarial and improve the management of secretarial.

According to the "Zhanghe Huitong Village Bank Official Documents Processing Method" and the "Interim Measures for the Documentary Arrangement of Zhuanghe Huitong Village Bank Documents", six systems involving secretarial work will be strengthened to strengthen the work of standardizing secretaries. According to statistics, from January to September, a total of 270 articles were received, all of which were signed, registered and reminded according to the prescribed procedures. From January to September, a total of 103 articles were issued, which were handled in strict accordance with the prescribed procedures. In the process of document processing, adhere to the principle of seeking truth from facts, streamlining and efficiency, and be timely, accurate, standardized and safe.

Increase publicity and establish a new image of society.

In view of the fact that our bank was established late, small in scale, narrow in radiation radius, and low in social visibility, since the beginning of the year, the Bank has continued to carry out various propaganda forms such as hanging banners, posting slogans, TV greetings, radio advertisements, and propaganda vehicles. “Zhuanghe Huitong Village Bank is the bank of the urban and rural people and the bank of small and medium-sized enterprises”, which publicized the business operation of the Bank and further improved the visibility of the Bank and obtained relevant departments and society. High attention from all walks of life.

We will do a good job in logistics services to ensure the smooth progress of the work of the whole bank.

The first is to strengthen the management of fixed assets and low-value consumables. Maintain and maintain fixed assets in a timely manner and maintain normal operation at all times. The second is to standardize the procedures for the purchase, storage and use of office supplies to ensure the normal operation of business operations. The third is to do a good job in the amateur life of staff culture. From January to September, employees were organized to carry out amateur activities: to participate in the walking conference organized by the Zhuanghe City Federation of Trade Unions; to hold the "Memorial of the May Fourth Youth Day, I Love Huitong Village Bank Speech", to go to the Buyun Mountain for a bonfire party, to the Tianmen Mountain autumn tour And other activities. Through these activities, the cohesiveness of employees has been further enhanced, and the sentiments of employees have been cultivated, so that the spare time of employees is rich and colorful.

The shortcomings:

The total amount of deposits grew steadily, and individual growth and loss were unbalanced. First, there is a big difference in the employee's completion of the deposit plan, and the increase or decrease is unbalanced. Second, the business variety is single, lacking comprehensive wealth management products.

Credit management is not strict enough and the credit structure is not reasonable. First, the study and mastery of credit policies is not enough. Individual loans broke the regulatory requirements of the banking regulatory bureau, and the related enterprise loans exceeded the upper limit, and the mortgage loans were over-proportioned. Second, the mechanism for the separation of positions in the review of loans is not sound. Third, the implementation of the “three investigations” system for loans was not in place, and there was a phenomenon of heavy loans. Fourth, the credit information system has not been opened, and personal and corporate credit investigations are difficult.

Accounting and financial management are not standardized, and internal control is not implemented properly. First, due to the delay in the formulation of the system, the shortage of personnel, and the unclear division of job responsibilities, the accounting and financial responsibilities are not clear enough, the operation is not standardized, and the mutual restraint is weak. There is a certain operational risk. Second, the level of business knowledge of accountants is not high, and mistakes occur sometimes.

The political quality and professional quality of the workforce are not high enough, and there is a big gap compared with the employees of other commercial banks. Whether it is ideological awareness, professional ethics, dedication, or civilized service, efficiency, etc., we must pay attention to it.

Third, the fourth quarter work advice

1. Increase the intensity of deposit work. First, in order to better support regional economic development and continuously expand our business operations, in order to fully realize the three-year business objectives, we must continue to strengthen the organization of deposit work to ensure the completion of the annual deposit indicators. Second, actively strive for market access and increase market share. We must strive for the support of the Banking Regulatory Bureau through work, and strive to establish a business outlet at the end of October to expand business coverage. The third is to improve the quality of service and increase the intensity of research. We continue to expand our business areas through quality services and increased research efforts. The main leaders and professional departments should take the lead in setting a good example, vigorously absorb low-cost funds, gradually increase the proportion of public deposits, reduce the cost of operating funds, and continuously expand the credit capital.

2. Strengthen credit management and prevent credit risks. First, in terms of loan conditions, loans granted to individual industrial and commercial households and small and medium-sized enterprises are guaranteed in principle to ensure the security of credit funds. The guarantee company that has exceeded the guarantee capacity stops its guarantee business. Second, in the time of loan issuance, adhere to the principle of simplicity and speed, and must make a loan and no loan reply within the stipulated time for accepting each loan. Third, in the loan supervision, adhere to the post-lending inspection system, take remedial measures for the possible capital risks in the first time, and the account manager should write the post-loan inspection report on time. The fourth is to explore and establish a system of first responsible persons for loans. The responsibility of the account manager and the loan review committee shall be strictly defined, and the liability of the first responsible person shall be investigated for the loss of the loan.

3. Improve the accounting level and construct an accounting supervision mechanism. Strictly implement the basic system of accounting, cashier and financial management to ensure that the accounting work is legal and legal. First, we must adhere to the accounting and accounting procedures, strengthen internal control management, and strictly prevent settlement risks. All accounts adhere to the system of substitution and review, do a good job of checking the internal and external accounts, check the deposits of the central bank and the deposits with the same industry on a daily basis, check the balances one by one, and solve the unsettled accounts in time. The internal and external accounts match. The second is to establish and improve the accounting supervision system. It is necessary to establish a hierarchical and supervised defense line, and truly implement pre-, post-, and post-supervision supervision in place, strictly implement supervisory responsibilities at all levels, and implement a system of accountability for serial accounts. It is necessary to improve the overall quality of accountants. Establish an assessment and selection mechanism for accountants, and strictly select and use personnel.

4. Carry out income increase and expenditure, reduce expenses and increase profitability. Carrying out income-increasing and supporting activities is a major measure to further strengthen internal management and ensure the realization of various business indicators this year. Judging from the results of our financial revenues and expenditures in September, the cost of funds and the rate of deposits and fees are at a relatively high level compared with the same industry. Therefore, one must establish the idea of ​​diligently building CCB, pay attention to cost accounting, and strive to make careful calculations. Second, we must expand the scale of credit, cultivate sources of income, increase business income, and increase profit levels. Third, we must carry out income-increasing activities. Compress public costs and compress phone charges. Expenses must be guaranteed to open the door, and extravagance is prohibited. Fourth, the implementation of the monthly interest rate system, so that the loan interest should be collected, and no interest rate will occur.

5. Strengthen safety and security work and prevent all kinds of cases from happening. The overall requirements for the safety and security work of our bank this year: adhere to the principle of treating both the symptoms and the root causes, comprehensive management, punishment and prevention, and focusing on prevention, and provide a strong guarantee for the steady development of the Bank. First, it is necessary to carry out case risk investigation work. Do a good job in case risk investigation to avoid all kinds of safety production accidents. Conduct investigations on the bad behavior of employees. Understand the ideological status of employees, identify problems in a timely manner, tendencies, timely correction, timely processing. The second is to do a good job in security and security. It is necessary to implement a security responsibility system. We must implement safety and security work in departments, posts, and individuals, and form a situation in which all employees participate, shoulder their responsibilities, and share risks, and ensure that all work of our bank runs on a healthy track.

6. Strengthen the training of two qualities of employees. First, the department is responsible for the management of the political and business knowledge. Through learning, we will further improve the political and professional quality of all employees. The second is to concentrate time and energy on learning the rules and regulations of our bank. The third is to strengthen the training of new employees, quickly improve the overall quality of new employees, and adapt to the needs of work as soon as possible.