2012 Bank's first half of the work summary

Summary of Bank's work in the first half of 2007

In the first half of 2007, the Bank conscientiously implemented the spirit of the national and provincial financial work conferences and the work arrangements of the head office and provincial banks. In light of the actual situation, we focused on the implementation of the work objectives and measures formulated at the beginning of the year. Adhere to strict governance, scientific and technological development, increase market expansion, strengthen basic management, adjust business strategies, and promote reform of operating mechanism, prompting the healthy development of all work in the Bank in the first half of the year, with obvious improvement in various business conditions and significant improvement in operational efficiency. . By the end of June, the balance of RMB deposits of the Bank was 417.99 million yuan, an increase of 60.427 million yuan from the end of the previous year, an increase of 16.9%, and the completion of the provincial bank's annual growth plan of 104%; the balance of foreign currency deposits was 14.49 million US dollars, up 529 from the end of the previous year. 10,000 US dollars, completed the annual growth plan of 106%; RMB loans of 180.19 million yuan, the actual increase of 121.81 million yuan, completed 122% of the annual increase in investment plans, after the divestiture, non-performing loans decreased by 11.9 percentage points compared with the beginning of the year; The book profit was 13.64 million yuan, a year-on-year loss of 41.87 million yuan, 137% of the planned project, the actual profit loss was 8.75 million yuan, and the loss was 28.7 million yuan.

In the first half of the year, our main work measures and results have the following aspects:

With the fund organization work as the foothold, expand the financing market and promote the steady growth of deposits. In the first half of the year, we took effective measures to vigorously develop the deposit business under the unfavorable circumstances of the reduction of deposit interest rates, the introduction of deposit interest tax by the state, the hot stock market, the rapid issuance of government bonds, and the difficulty of deposit work. First, do a good job in the first quarter of the deposit "open the door." The first season is the golden season for organizing deposits. We have rationally analyzed the situation and urged the whole bank to raise awareness and build confidence. Formulated and issued the "Opinions on Strengthening the Image Promotion of the Agricultural Bank System in the City", organized a full-scale image publicity campaign, increased publicity and publicity, effectively improved the social image of the Agricultural Bank, and mobilized the whole bank to seize the favorable opportunity. Strengthening financial services prompted a good start in the first quarter of deposit work. The net increase of deposits in the first quarter was 552.7 million yuan, laying a solid foundation for business operations throughout the year. The second is to take advantage of the network of outlets, increase market expansion, actively expand systemic and industry-based collection and payment services, and organize public deposits. For example, each bank seized the favorable opportunity for students to enroll in the first quarter, actively carried out the collection of tuition fees, and leveraged the advantages of our network and network, and strived to represent the litigation costs of courts at all levels and the collection of China Unicom mobile phone bills. By the end of June, the amount of payment for the collection and payment of the entire government was 211.78 million yuan. The third is to improve the incentive mechanism and mobilize the enthusiasm of the fund organization. Under the premise of adhering to the law and regulations, the Bank improved the incentive mechanism, incorporated deposits into the comprehensive operating efficiency system, and linked it to unit expenses, effectively mobilizing the enthusiasm of cadres and employees to organize deposits. At the same time, it summed up and promoted the advanced experience of last year's ****, Jiedong branch to learn Puning, and catching up with Pu Ning to effectively promote the deposit work of the whole bank. The fourth is to seize the opportunity, coordinate all aspects of the relationship, and in accordance with the law, actively and steadily do a good job of receiving the deposit business of his bank and the agency to pay the shares of the Agricultural Fund. A total of 228.405 million yuan of RMB deposits from the Bank of China and ** branches, HK$194.88 million in deposits and US$755,000 in deposits in US dollars, and 48.99 million yuan in personal shares of the Agricultural Bank of China were paid, accounting for 58.8% of the total amount of redemption. Due to the effective leadership of the organization, the preparatory work was sufficient, the service and publicity work was done in the home, and the transfer of part of the deposit business of the Bank of China was smoothly and smoothly transitioned. The personal payment of the agent's redemption of the Agricultural Fund was smoothly carried out, which effectively improved. The social image of ABC has broadened the deposit market and promoted the effective development of various businesses. By the end of June, the bank's deposit balance was 417.99 million yuan, a net increase of 604.27 million yuan over the beginning of the year. In the local four banks, the incremental market share was 44.84%, and the stock market share was 28.83%, an increase of 1.83 percentage points over the beginning of the year. Temporarily ranked first in the local four lines.

Focus on the divestiture of non-performing assets, strengthen asset management, optimize credit supply, and improve asset quality. This year, we are doing a good job in the routine management of loan “clearing”, enterprise quota rating, and customer unified credit management, while taking good non-performing loan divestiture as the focus of smashing the burden and accelerating development. Loan management and optimization of credit supply as a growth point of efficiency, and strengthening the interest rate of clearing loans and revitalizing stocks as an important measure to optimize the asset structure. The first is to do a good job of “internal and external” divestiture of non-performing loans At the beginning of the year, in accordance with the provincial bank's deployment, the Asset Management Department was set up, and in conjunction with the actual situation, the “Guidelines for the Step-by-Step Implementation of the Non-performing Loan Sub-ledger Operation” was formulated to lay the foundation for the divestiture of non-performing assets. In the implementation of the divestiture of non-performing assets, we have a large number of divested assets, a small amount, a long way to go from the provincial bank, a large workload, a wide range of issues, many historical problems, complicated situations, and difficult work. Difficulties, branches and branches of the branches are closely involved, carefully deployed, commanded by the town, relevant functional departments to do the work of uploading, actively coordinate all aspects of relations, carry forward the spirit of not afraid of suffering, not afraid of tired, fighting day and night, in tight time, heavy tasks, policies In the case of strong sex and high pressure, the divestiture of non-performing assets was completed on time and according to quality and quantity. The divestiture work achieved phased results: the whole bank stripped 699.23 million yuan of non-performing assets, including 63.86 million yuan of principal and 62.37 million yuan of interest. More than the provincial bank issued an index of 31.38 million yuan, which laid a solid foundation for us to break the burden and embark on a benign development path. The second is to target the high-quality asset market and implement effective credit delivery. The new loan was put into effect at the beginning of the year. The spirit of the party committee secretary and president of the city's aBC sub-branch was extended to focus on “targeting the high-quality asset market and ensuring the effective delivery of loans”, adhering to the principle of “three benefits” and continuing to implement the “double superior” development strategy. At the beginning of the year, the credit management department of the branch conducted on-the-spot investigations on the recommended key enterprises on the basis of the recommendations of the grassroots banks. According to the relevant standards, the company strictly evaluated, selected and identified 53 key enterprises at the municipal level as the key support targets for the credit in 2000. The total amount is 171.48 million yuan, of which 79.5 million yuan is for additional investment loans, accounting for 53.8% of new loans, and the acceptance bill is 91.79 million yuan, accounting for 82.77% of the total new acceptance bills. At the same time, the system of repossessing the principal and interest of new investment loans will be fully implemented to ensure the comprehensive benefits of new investment loans. By the end of June, the bank's new investment loan recovery rate was 87.2%, and the interest recovery rate was 100%. The third is to increase the interest rate of clearing loans and revitalize the stock. While doing a good job in self-examination and self-correction of business management and divestiture of non-performing loans, the whole bank insisted that the work of “Second Qing” should not be relaxed, and organically combines the interest rate of clearing loans with the divestiture of non-performing loans, and intensified the assessment and clearing the loans. Under the decomposition of the interest-collecting task, it reached the grass-roots business unit, and the person who arrived at the job was linked to the income. The “Second Qing” work achieved certain results. By the end of June, the interest income of the bank’s loan was 69.5 million yuan, an increase over the same period last year. 16.31 million yuan.

Focus on economic accounting, pay close attention to income increase and reduce expenditure, and improve operational efficiency. The first is to fully implement the comprehensive business operation plan. At the beginning of the year, in accordance with the provincial and provincial deployment, based on the principle of efficiency, coordination, and objective impartiality, the business information of each branch and business department was collected, and the "2000 Comprehensive Business Plan" was compiled. The management tasks of each sub-branch monitor the implementation of the plan on a quarterly basis, assist the units that have gaps in the implementation of the plan, and promote the effective implementation of the business plan of the whole bank through classification guidance and effective control, and improve the management level. Second, rationally arrange funds to increase the operating income of funds. In view of the substantial increase in domestic and foreign currency deposits in the first half of the year, the small scale of loans and the sufficient funds, the overall arrangement of funds has been strengthened. Under the premise of ensuring the normal business needs, idle funds will be deposited in a timely manner to maximize the funds. income. By the end of June, the deposits of the provincial deposits were RMB 193.695 million, and the interest income of the provincial deposits was RMB 25.02 million, an increase of RMB 2.81 million. The third is to strengthen horizontal and vertical coordination and communication, and timely carry out the liquidation of the non-performing loans, so that the funds can maximize the benefits. By the end of June, the non-performing loans that had been divested and entered the liquidation of a total of 699.23 million yuan. The fourth is to strengthen cost management and eliminate unnecessary expenses. According to the "Detailed Rules for the Implementation of the Administrative Measures for the Agricultural Bank of China's Guangdong Branch", the "Agricultural Bank of China **** 2000 Cost Allocation Management Measures" was formulated, and the basic expenses were implemented in a fixed amount, and the development expenses were collected and managed. The spirit of the incentive fee is linked to the actual increase in profits and losses, strengthen financial management, and improve operational efficiency. By the end of June, the Bank's total revenue was 144.08 million yuan, an increase of 2.8 million yuan over the same period. The total expenditure was 130.43 million yuan, a year-on-year decrease of 39.08 million yuan, and the book profit was 13.64 million yuan, a year-on-year increase of 41.87 million yuan.

Increase investment in science and technology, speed up network construction, and improve the standard of science and technology. First, do a good job in the savings network directly connected to the province's large-scale work, play the advantages of outlets and networks. By the end of June, a total of 72 outlets were directly connected to the provincial capital, accounting for 89% of the total number of outlets. The network pattern of the entire jurisdiction was basically formed, and the network advantage gradually appeared. The second is to create conditions and strive for the support of the higher-level banks. In March, the province's deposit and withdrawal deposits for the current savings deposits were opened. The third is to expand the network function, develop the collection and payment business operation platform, and provide technical guarantee for the development of the collection and payment business. The collection of China Unicom mobile phone service has entered the substantive operation stage. Fourth, on the basis of the Golden Spike Card to join the national automatic authorization network, the company actively applied for the Jinsui Debit Card business.

Strengthen internal management and fully implement strict governance. Management is the life of the financial industry. Strict management can prevent and resolve financial risks, and strict management can truly benefit. The first is to carry out self-examination and self-correction of business management. We will conscientiously implement the spirit of the speech by Vice Premier Wen Jiabao on implementing the "three stresses" education reform measures, strengthening the internal management of the financial industry, strengthening internal management, implementing strict governance, and self-examination and self-correction of comprehensive management since the first quarter. jobs. On the basis of supervising and implementing the self-inspection and self-correction of the operation and management of each branch, the inspection team of the business backbone is selected to conduct inspections and spot checks on the self-inspection of each branch. During the inspection, problems found in self-employed economic entities, financial revenue and expenditure, financial accounting, credit management, and credit card overdraft were corrected on a case-by-case basis, and corrective measures were implemented in a timely manner for problems that can be rectified now, forming a temporary historical situation. If it is difficult to rectify, then further check the situation, straighten out the relationship, promptly request, and wait for treatment. The second is to strengthen law enforcement supervision and security work. The implementation of the clean government education and safety target management responsibility system, the security department and the discipline inspection and supervision department have repeatedly formed an inspection team to strengthen the security inspection and law enforcement inspection and inspection of the business unit, and timely feedback to the inspected unit on the inspection situation, and put forward the existing problems. Law enforcement supervision and suggestions, to prevent micro-duration, prevent it before it happens. In the first half of the year, the whole bank achieved operational safety and no accidents. The third is to implement and improve the system of linked points. On the basis of summarizing the experience of last year's contact point, this year, in combination with the actual situation of each branch, the leaders and functional departments of the bank and the functional departments were re-adjusted, and the contents of the linked line were focused on clearing the loan and collecting interest. In terms of market expansion, self-examination and self-correction, and the construction of grassroots party branches, specific provisions were made on the way of connecting points, which effectively changed the style of leadership and the style of the organs, and truly served the grassroots of the organs. The fourth is to reform and improve the operating mechanism. According to the spirit of the reform of the superior bank, the branches of the branches were functionally adjusted, and the market expansion department of the branch market and the market development department of the branch business department were merged into the branch market development department, and the retail business department was established to rationalize and improve the market expansion mechanism.

Strengthen party building and spiritual civilization. First, in accordance with the deployment of the higher-level banks, earnestly carry out the "three stresses" education and look back at the activities, strictly follow the four steps and five basic requirements defined by the head office, do not engage in invention and creation, do not cut corners, and carry out "three stresses" in a down-to-earth manner. "Education" looks back at the event. In the process of “looking back”, the party committee of the branch reviewed the implementation of the “three stresses” education rectification measures last year, and further implemented rectification measures in terms of ideological construction, work style construction, promotion of agricultural bank development and strengthening internal control construction. At the same time, we will focus on the construction of “image project” and “people's heart project”, and actively carry out the preparation of the office building and the fund-raising and construction of employees. After many efforts, the branch office building broke ground on March 30 and is currently under construction. The housing problem has also been satisfactorily resolved. The second is to strengthen the building of spiritual civilization, give play to the role of workers and women, organize various forms of cultural and sports activities such as table tennis, basketball, flower-arrangement competitions, enrich the cultural life of employees, and carry out the establishment of "Youth Civilization" and "Youth Posts" and " The “Women’s Contributions” campaign will enhance the centripetal force and cohesiveness of all employees, and transform the ownership, enthusiasm and creativity of all employees into practical actions to promote the development of agricultural banks.

In the first half of the year, although the Bank has achieved certain results, some problems still deserve our attention. First, there is a new imbalance in the growth of deposits, and the growth is blocked. Second, although the work of clearing and lending has made a lot of effort, non-performing loans are still on the rise. In particular, the potential credit risk of individual sub-branches should be taken seriously. By the end of June, the factors of divesting non-performing loans were removed, and the whole bank added new bad. The loan was 138.97 million yuan. Third, the development of new business and new products needs to be accelerated. Fourth, the internal operating mechanism and management mechanism need to be further reformed and improved.

In the second half of the year, we must focus on the existing problems and focus on the following aspects: First, continue to do a good job in fund organization, increase business development, and further optimize the debt structure. The second is to increase the interest rate of clearing loans. We must carefully analyze the changes in non-performing loans after asset divestiture, find out the reasons, further establish and improve the incentive mechanism for clearing loans and interest collection, and take effective measures to set off a “clearing and paying interest rate” campaign in the whole jurisdiction to ensure the clearing of loans. There is a qualitative leap.

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