2015 Bank's first half of the work summary

Bank's first half of the work summary

In the first half of the year, according to the work arrangements of the head office and the XX sub-branch, our sub-branches conscientiously implemented the “XXXX, XXXX, XXXX” work guidelines of the whole bank, fully cooperated with the transformation of outlets, strengthened the construction of the workforce, strengthened internal control and risk management, and worked together to implement the work. To ensure the steady operation of the indicators in the first half of this year, and lay a solid foundation for the completion of the annual target tasks.

I. Completion of various indicators

In the first half of this year, affected by factors such as the European multinational debt crisis and the sluggish domestic market economy, the development of the financial system slowed down, making it difficult to develop the financial industry. In a climate with unfavorable weather, my sub-branch is concentric, and all employees work together to better complete the indicators for the first half of the year. By the end of June, my branch;

Company-type indicators have grown significantly. At the end of June, the balance of corporate deposits was XXX billion yuan, an increase of XXXX billion yuan from the beginning of the year. The growth rate and actual growth volume were ranked in the forefront of the outlets under the jurisdiction of XXX branches. For public deposits, XXXX will be added every day, and the number of all outlets in the XXX branch area will be ranked X, and the new account will be opened XX. In the first half of the year, our sub-branch recovered a personal loan of XXX million yuan to avoid the risk arising from interest rate fluctuations and carried out the XXXXX. The fourth-grade non-performing loans recovered XXXX million, and the overall quality has improved.

The gold indicators are better for completing the annual plan. In May, among the 14 comparable indicators, XXX exceeded XX and 5 received full marks. savings balance

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The balance is XX billion yuan, which is increased by XXXX million yuan from the beginning of the year, ranked third in the outlets of XX branches, and added XXX to the paying customers; XXX effective bank card spending; new special merchants XXX; electronic bank counter replacement Rate XXX; personal online banking effective new customer number small XXXX.

Second, the main work review in the first half of the year.

Adhere to the staff-oriented, pay close attention to the construction of the workforce, fully mobilize the enthusiasm of employees, enhance the sense of belonging of employees, and strive to build a united, harmonious and efficient fighting collective. This year, my branch has taken team building as the top priority, and is really seeking development. We sincerely do practical things, rationalize people's sentiments, and unite people's hearts. The first is to establish XXXX sub-branch marketing incentives, employees who contribute to the development of sub-branches, while acquiring sub-marketing incentives, XXX sub-branch adds additional incentives; second, regular training is organized to improve the overall quality of employees, all files issued by superiors The special person first understands and sorts out the key points that are extracted and is handed over to the employees for discussion and discussion of the difficulties. Achieve high business accuracy. The third is to warm up the family with family members, and when the employees are sick or the family has difficulties, they will lend a helping hand in time to increase the assistance.

Adhere to the customer-oriented, sort out its own business structure, and use product marketing and personalized services as a means to further expand the customer base and ensure the rapid development of the branches' various businesses. XXX Sub-branch has more than XXX public customers, ranking second in the region, and corporate customer deposits account for 77% of total deposits. How to make use of the rare personnel marketing service for a large customer base is the focus of work. My branch established the following set of methods;

First, establish a self-customized marketing system for its customers. While exploring new customers, it should focus on maintaining existing customers. The customers will be classified and managed according to the deposit holding amount of 1 million to 5 million, 5 million to 10 million, and 10 million or more. At different levels, the organization of marketing personnel is divided into three layers of marketing; the second is to further improve the monitoring system for deposit customers, lock the daily average balance of deposit customers above XXXX million, focus on monitoring, enhance the sensitivity of response to abnormal changes in customer deposits, timely adjustment Marketing strategy; the third is to increase the number of public service tellers. At present, my branch arranges X-to-public non-cash tellers, X cash-to-public priority windows to meet daily business-to-public business; fourth, using modern information means, using the Internet and The customer is in close contact and will inform the customer of the policy and product information of the Bank in the first time.

Implement the spirit of work of the head office and the XXX sub-branch, and vigorously promote the flat work. The flattening of business outlets is a trend of modern banking structure. After flattening, it can realize a three-layer intensive management mode, which greatly reduces the non-operating pressure of outlets, and can release the human resources of grassroots outlets, which can stimulate the vitality of outlets. Our sub-branch ensures that the spirit of the meeting and the contents of the archives of each sub-branch will be passed to every employee in the first time, and regular meetings will be held to promote the advantages of flat management, improve the ideological understanding of employees, and ensure that employees in the process of flattening my branch can Change ideas in a timely manner, and actively participate in the various levels of competitive activities of the sub-branch, no adverse events occurred.

Third, some problems in the work in the first half of the year.

First, the tiered management of high-end customers is still in its infancy. Although our sub-branch has created a customer-level marketing management approach, the tiered management of high-end customer management is still in its infancy, and it is urgent to establish a set of differentiated services for high-end customers. The institutional approach allows outlets to have marketing methods in place and resources available. Only through high-end cultural salons, economic forums and other means of service can we attract customers and retain customers.

Second, the team of account managers needs to be further strengthened. At present, there are fewer products in our bank, fewer staff managers and less experience; most of the wealth management business is relatively less competitive in the market; most of them are effective through continuous marketing of customer managers and old customers. New customers are obviously stretched.

The third is the new business system in early June, and it takes a certain amount of time for employees to work together.

Fourth, the second half of the working methods

In the first half of this year, the Bank's various business operations have developed steadily, and various indicators have been greatly improved compared with last year. But we must also clearly understand the enormous difficulties and challenges we face in the second half of the year. In the second half of this year, the central bank is still likely to cut interest rates again, and the loosening of interest rate pricing power has caused certain difficulties for my marketing work. Our work focus in the second half of the year:

1. Continue to focus on team building and further enhance the sense of organizational belonging and professional mission of all employees. Increase the inspection of civilized services, improve the staff's business, service awareness and customer communication skills.

2. Further increase the efforts of marketing customers and service customers, further consolidate and develop the achievements that have been achieved in the first half of the year, and do their utmost to fully accomplish the goals and tasks throughout the year.

Bank's first half of the work summary

In the first half of the year, the Bank earnestly implemented the spirit of the 2019 Working Conference of the Municipal Branch, firmly established the scientific development concept, further deepened the reform, strengthened the construction of the workforce, strengthened internal control and risk management, and worked together to ensure the implementation of the work, ensuring that our bank in 2005 The steady operation of the indicators for half a year has laid a solid foundation for the completion of the annual target tasks.

I. Completion of various indicators

In the first half of this year, due to factors such as market and credit policy, the loan business has contracted, but other business indicators have maintained a good development trend.

1. The growth of deposit business indicators is obvious. At the end of June, the balance of various RMB deposits was XX yuan, which was XX yuan more than the beginning of the year, and completed the RMB deposit plan of the city branch. Among them, the balance of RMB-to-private deposits reached XX million yuan, the balance was increased by XX million yuan, and the number of municipal branches was completed. The balance of public deposits reached XX million yuan, the balance was increased by XX yuan, and the number of branches of the municipal branch was completed; the balance of deposits of financial institutions was ××10,000 yuan, and XX million yuan was added, and the number of municipal branches was completed. . Foreign currency deposits were affected by the pressure of RMB appreciation, which was a negative growth of 10,000 US dollars from the beginning of the year.

2. The total amount of credit business declined slightly, and the proportion of non-performing loans dropped significantly. On June 30, the balance of RMB loans was XX yuan, which was reduced by XX yuan compared with the beginning of the year, of which retail loans decreased by × × 10,000 yuan; corporate loans decreased by × × 10,000 yuan from the beginning of the year; Through vigorous collection, XXXX Co., Ltd. overdue loans × × 10,000 yuan, retail non-performing loans × × 10,000 yuan, the non-performing loan ratio of our bank decreased from × at the beginning of the year to ×. Second, the main work review in the first half of the year.

Adhere to the people-oriented, pay close attention to the construction of the workforce, fully mobilize the enthusiasm of employees, enhance the sense of belonging of employees, and strive to build a united, harmonious and efficient battle collective.

This year, the sub-branches took the team building as the top priority. From the beginning to the end, they insisted on people-oriented, and they are really seeking development. They sincerely do practical things, rationalize their popularity, and unite people's hearts.

1. Reform the salary distribution method, adjust the distribution weight of monthly performance salary and annual performance salary, and solve the problem of the lag of annual performance salary incentive. At the same time, reform the incentive policies for outlets and government departments, properly solved the contradictions and problems in the original distribution incentives, and balanced the relationship between the tellers and the directors, the first and second lines, effectively encouraged Morale has boosted popularity and promoted the rise of business indicators.

2. Because people adapt to local conditions, arrange the right people in the right positions, and use the strengths of others to enable the various departments, positions, and employees of the whole bank to fully play their respective roles in a harmonious atmosphere. A focus of the branch’s work this year.

Adhere to the market-oriented, product marketing and personalized services as a means to further expand the customer base and ensure the rapid development of the branches' various businesses. 1. Reforming the business process and marketing model of the Business Development Division, and increasing the efforts of private deposit marketing and management of outlets. At the beginning of the year, after a careful analysis and careful consideration, the sub-branch team subdivided the Business Development Section into the Retail Business Section and the Corporate Operations Section. The Retail Business Division is responsible for the management of marketing and outlets for intermediate businesses such as private deposits, retail loans, and collection and payment. The Corporate Operations Division is responsible for the marketing and management of corporate deposits, corporate loans, discounted bills and intermediate businesses. This reform has further clarified the duties of the original business department and the overall responsibility, effectively strengthened the responsibility of the department heads, and laid the foundation for the benign development of private and public business. In the first half of this year, private and public deposits were so good, and business process integration was indispensable. 2. Reforming the marketing model, changing the marketing of single-line outlets, single-handedly, and squadrons, all of which are all-in-one, all-in-one, and bombing-style marketing. The original mindset of the employees is: deposits are the things of the first-line outlets. The intermediate business such as loans and bills discounting is the business department. After the second-line employees complete the task of collecting and depositing, everything will be fine. The external marketing information is fragmented, lacks communication, and goes out to market with outlets and individuals as the unit, with weak potential and lack of concentrated firepower. After the integration of the business department's process and marketing model, the sub-branch collects information from all levels of the bank, and finally feeds back to the retail business department and the company's business department for summary screening, to determine the key points, backed by the overall economic strength of the sub-branches, to the retail business section, The company's business divisions and outlets form a joint marketing front, multi-level, all-round marketing, and one fortress is constantly being overcome. This year, our various deposits have been climbing, which is inseparable from the hard work of our employees and the reform of the marketing model.

3. Grasping the construction of customer groups, consolidating old customers through various channels, vying for new customers, embezzling and encroaching on key customers, our customer base is gradually expanding. Last year, due to the restrictions on the credit policy and the fee policy, we once lost some core old customers such as the XX and XX Centers, which once made our work in a very unfavorable situation. However, we have not been intimidated by temporary difficulties. Through half a year of hard work and hard work, we have developed a number of high-quality target customers such as XX, XX, and XX, and also newly expanded the XX property. A group of new customers, such as XX and XX, not only made up for the loss of deposits caused by the loss of core old customers, but also reserved deep customer resources for the extraordinary development of private and public business in 2005.

4. Increase the marketing efforts of the bill business, broaden the channel of bills, and initially form a customer base of a certain scale, and the bill business has entered a track of sound development.

This year, we placed the bill business in the same position as the asset-liability business, formulated special incentives and strong marketing, effectively mobilizing the enthusiasm and initiative of business personnel to expand the bill business. At the same time, in order to mobilize the enthusiasm of the Bank's employees to expand the bill business, the branch has launched a special incentive for the bill business. The introduction of this series of incentive policies fully mobilized the enthusiasm of the Bank's employee marketing bill business, earnest and timely assessment and fulfillment, and converted the incentive policy into tangible benefits, which better solved the benign nature of incentive policies and actual results. Loop problem. The retail department XX comrades took in more than 10,000 yuan from the XX paper mill. Through on-site marketing, the company will rush all the acceptance bills of XX company to our bank. In the interaction with the XX company, the XX Commercial Bank, where the customer of the supplier was located, suspended the information on the pledge of the acceptance bill pledge, and the competent director XX immediately went to the XX and other places. Through many exchanges and contacts with companies such as XX, the XX market for the bill business was opened. By the end of June this year, XX, XX and other companies in the Bank for discounted XX million yuan, pledge and zero bank acceptance bills × × 10,000 yuan, absorbing 6 months of regular deposit deposits × × 10,000 yuan.

5, due to the situation, multi-strategy and grasping the collection, to ensure the continuous improvement of asset quality. As of the end of June, the balance of non-performing loans of our bank was ××10,000 yuan, which was reduced by ××10,000 yuan from the beginning of the year. The loan non-performing rate decreased from × at the beginning of the year to ×, a decrease of ×%.

The first is to clarify the key collection targets, and to realistically formulate a collection plan for one household and one policy, and to clarify that special personnel are responsible for collecting collections. Secondly, due to the situation, we took effective measures to grasp the implementation. For the nails of the malicious account, through the legal means "tooth extraction", XX staff XX, monthly fixed salary income, malicious default on housing mortgage loan principal and interest for more than five periods, we have failed to collect many times at home In this case, after returning to the law, the client re-recognized the serious consequences of the malicious default of the bank loan, and returned the principal and interest of the loan previously owed, and returned the principal and interest on a monthly basis, and then did not appear. One time is overdue. For overdue retail loans with insurance guarantees, actively coordinate the communication with the insurance company, and strive for the “advance payment” support of the insurance company, indigestion and reduce the proportion of bad. As for XX Co., Ltd. due to the difficulty of capital turnover, resulting in overdue loans, the Bank can not continue to give support to the reality, on the one hand, actively help the company to find ways to revitalize, and actively assist the factory to contact with XX, and promote XX to the factory The ××10,000 yuan loan replaced the non-performing loans of our bank and the 10,000 yuan, effectively mitigating the risk of credit assets of the Bank.

Adhere to the law and compliance management, further strengthen internal management, and ensure that there is no accident.

This year is a key year for the development of XX Bank's business. The staff's thinking once experienced great fluctuations. In order to quickly reverse the situation, the sub-branches actively promoted the share reform through patient and meticulous ideological and political work, and timely guided employees out of their ideological understanding. Misunderstanding, on the other hand, has consistently adhered to strict governance, continuously strengthened internal management, and increased inspection and supervision of risk points to ensure the healthy and smooth operation of various businesses. Third, the second half of the work advice

In the first half of this year, the Bank's various business operations have achieved rapid development, and the operating efficiency has also been greatly improved. It is indeed very gratifying, but we must be aware of the joy we face in the second half of the year. The great difficulties and challenges: In the second half of this year, we have to digest the loss of deposits brought about by the XX division. We must properly handle the outstanding problems of human resources reform in the process of shareholding reform. The work is very difficult and the task is very Difficult and slack, the results achieved in the first half of the year will be turned into nothing.

Our work focus in the second half of the year:

1. Actively and steadily promote the reform of human resources, and initially establish a human resources management mechanism and performance appraisal mechanism in line with the internal operation mechanism of joint-stock banks. Grasp the team building and further enhance the sense of organizational belonging and professional mission of all employees.

2. Further increase the efforts of marketing customers and service customers, further consolidate and develop the achievements that have been achieved in the first half of the year, and do their utmost to fully accomplish the goals and tasks throughout the year.

3. Proactively solve the outstanding contradiction between the cost resources and the cost requirements, and realize the simultaneous and steady growth of employee income while the business and efficiency development.

4. Further strengthen internal management, implement the safety system, do a good job in anti-corruption and prevention, and ensure the healthy operation of all work.

Bank's first half of the work summary

In xxxx years, I am full of the yearning for the financial cause and pursued into the xxxx branch. Here I will release the energy of youth and ignite the dream of the cause. Time flies, it has been a year since xx branch. In this short year, my life has undergone tremendous changes, both in work, in learning, and in thinking.

In the xx branch, I am engaged in one of the most mundane jobs - the teller. Some people may say that ordinary tellers talk about careers, no, they can do a brilliant career on the counter. Excellence begins with ordinary, perfection comes from seriousness. I love this job and use it as a starting point for my career. As an ABC employee, especially a front-line employee, I deeply feel the heavy responsibility. The counter service is a “civilized window” that shows the good service of the ABC system. Therefore, I am full of enthusiasm, sincere service, sincere service, and win the trust of customers with her positive working attitude.

Yes, among the employees of ABC, the tellers are the groups that directly face the customers. The counters are the windows that show the image of the ABC. The daily work of the tellers may be busy and monotonous. However, in the face of all kinds of customers, the tellers should be skilled and enthusiastic. Day after day, with thoughtful service, customers can truly appreciate the sincerity of the farmers, feel the warmth of doing business in the Agricultural Bank, such work is extraordinary, I am proud of my position! I ask myself to do the following: First, master the excellent business skills, and never relax business learning; second, maintain good professional conduct and abide by national laws and regulations; third, cultivate harmonious interpersonal relationships and live in harmony with colleagues. The fourth is to clearly understand the self, win the arrogance, and defeat.

Since I joined the work, I have been based on my position, working hard, learning business knowledge, and consulting with experienced colleagues. Only in this way can we really do the work that can stand the test of time. The little things that made me realize that as a front-line employee, I am destined to be ordinary, because he can't use the blood of the soldiers to smash the muzzle like a rushing warrior, bombing the bunker, leaving a hero's name for the world to proclaim. It is not even possible to broadcast summer harvests like farmers, and to harvest autumn harvests in summer. There is always a fixed harvest. Some are only repeated day after day, year after year, such as deposits, withdrawals, account entry, collection and release, marketing maintenance, ushered in such boring operations and complicated matters. In this ordinary post, let me deeply understand that greatness is in the ordinary, ordinary people can be dedicated, dedication to our enthusiasm, dedication to our sincerity, dedication to our youth. Ordinary we can create a wonderful sky, there is no foundation to come to the tall buildings, no ordinary where great! The value of life can only be sublimated and perfected in the ordinary dedication.

In the process of serving customers, I always insist on “thinking what customers want, urgency for customers, and worrying about customers”, providing customers with comprehensive, thoughtful, convenient and efficient services to achieve operational standards. Service specifications, politeness and decent manners have left a good impression on customers and won the trust of customers. In the actual handling of business, under the premise of ensuring compliance with the rules and regulations of the Bank, we can flexibly grasp the marketing method, provide customers with certain convenience, and provide personalized and fast service to customers flexibly and appropriately.

Perfection comes from seriousness. Based on the excellent service of the counter, we try our best to provide customers with more thoughtful services. Because there are no discerning customers, only imperfect services. In my daily work, I actively study new knowledge, new business, theory and practice, and master the various service skills. I started from a small matter, when doing business, try to be fast, accurate, and efficient, let customers wait less, run less, ask less, and provide customers with timely, punctual, regular, and always-on services.

Youth is the most precious time of life, because you are full of enthusiasm and energy, because you dare to dare to do it, and you are energetic because there are too many dreams and hopes! But in my opinion, the preciousness of youth still includes the unremitting pursuit and The integration of the team, the lofty moral cultivation, and the strong will, must be able to withstand the ordinary, based on the ordinary, indifferent to fame and fortune, and courage!

Today, we are concentrating the youth of the fire to the ordinary ABC position. The Agricultural Bank of China is moving forward step by step in this youthful alternation. In her clear annual ring, it will also deeply imprint the mark of our youth. Franklin has a famous saying: "Promote your career, don't let your career drive you." Today, I am here to promote my career. This stems from my pursuit of the value of life and my passion for financial career. Because I know that as a growing youth, only by combining personal ideals with the development of the agricultural industry can we give full play to our work enthusiasm, initiative and creativity, and realize our own in the process of creating a better tomorrow for the Agricultural Bank. the value of life.