Bank year-end summary essay

The 200* year is a year of rapid, healthy and coordinated development of various businesses of the ** sub-branch. Under the correct leadership and support of the higher level, the Bank adheres to the guiding ideology and work guidelines of “preventing risks, standardizing operations, reforming and innovating, striving for stability” as determined by the general branch at the beginning of the year, and combining with the actual situation of the Bank, With the principle of equal emphasis on management, with the joint efforts of the staff of the whole bank, we have overcome various difficulties and completed the work of this year satisfactorily and with high quality under the conditions of extremely difficult operating environment:
1. All deposits are steadily, coordinated and rapidly growing. By the end of XX, the Bank’s self-operated deposits were RMB 326.14 million, an increase of RMB 117.38 million over the beginning of the year, an increase of 56%, and 115% of the planned completion. The increase in deposits ranked fifth among the branches of the Ministry of Management. The balance of foreign currency deposits was US$ 5.18 million, an increase of 2.5 million yuan over the beginning of the year, an increase of 93%, and 500% of the plan was completed.
2. The asset quality continued to be highly efficient, achieving “double no” for two consecutive years. The balance of various loans from the end of XX to the end of XX has reached 283.2 million yuan, an increase of 12047% over the beginning of the year. In the case of a substantial increase in the size of the assets, the quality of the assets was still maintained. At the end of the year, there was no overdue, no interest, and it has been “double no” for two consecutive years. In the overall ranking of the management department according to the scale of the bank-level loan and the year of establishment, 38 of them ranked the third among the “double no” outlets. And my bank's loan 钪 嗍籼 帧 frame? 乙 约 约 盅捍 睿 睿 睿 睿 睿 睿 睿 睿 睿 睿 睿 睿 睿 睿 睿 睿 睿 睿 浴 ( ( 浴 ( ( 浴 浴 浴 浴 浴 浴 浴 浴 浴 浴 浴?
3. The international business development momentum is good. In the case that the external situation in XX was extremely severe due to the impact of the “Southeast Asian financial turmoil”, the Bank overcame many difficulties and opened up a number of large-scale and profitable customers, exceeding the tasks assigned by the superiors. The annual international business volume was 25 million US dollars, and 120% of the tasks were completed.
4. Increased income and savings initially achieved results. In XX, the Management Department put forward the requirement of “increasing income and reducing expenditures and striving to maximize profits”. The Bank has done a lot of serious and meticulous work in this regard. While improving the profitability of credit assets, the costs are strictly controlled. By making our business grow nearly half of last year's business, the expenses have dropped by 230,000 yuan compared with XX, and the expense ratio has dropped by 1.11 percentage points. Moreover, the rate of return on assets is comparable to that of XX, which is an increase of 0.3 percentage points. It can be said that the work of “increasing revenue and reducing expenditures” in XX has been fruitful.
5. The annual settlement and cashier business is working well, and the accounting level is understood. Through grasping services, grasping training, grasping control, grasping assessment, grasping safety, and fulfilling the annual settlement work satisfactorily, with high quality and efficiency. By the fourth quarter, the error rate was even zero. The company achieved the win-win situation of “continuous growth of business volume and continuous improvement of accounting quality” and won the title of “Longgang Branch Banking Accounting Winning Unit”. 283,696 settlement transactions were handled throughout the year, and the accumulated cash payment was 030.91 million yuan, which effectively promoted the development of the Bank's business. While improving the quality of accounting, we also pay attention to the work of “three defenses and one guarantee” to achieve no accidents throughout the year.
6. The savings business continued to maintain a good momentum of development and the service level continued to improve. In XX, we increased the intensity of our savings work and implemented the strategy of “promoting development through service” to promote business development by continuously improving service standards. By the end of XX, savings deposits reached 124.86 million yuan, an increase of 35.52 million yuan over the beginning of the year. It became the first branch of Longgang Sub-branch to save more than 100 million yuan. The foreign currency was USD 2.16 million, an increase of 560,000 yuan over the beginning of the year. Painting, and made an important contribution to the balance of Longgang support deposit structure.
In XX, it can be described as the harsh winter of the financial world , but why can the Buji branch be able to fully scent in this cold winter? In summary, there are the following main points:
The first is to rely on the correct leadership of the superior. At the beginning of the year, the general branch determined the guiding ideology and work guidelines of “preventing risks, standardizing operations, reforming and innovating, and striving for stability”. The facts prove that it is a work policy that has both overall and practical guiding significance. At the same time, the leaders of the higher ranks often come to me. Understanding the situation, solving problems and giving guidance to work have greatly encouraged the enthusiasm and morale of our employees and effectively promoted the development of our business.
The second is to guide the thinking correctly. Since the beginning of the year, the branch has determined the guiding ideology and work guidelines of “preventing risks, standardizing operations, reforming and innovating, and striving for stability”, the Bank has determined “one center, two footholds, two based on the actual situation of the Bank. The guiding principle of the project. One center is to "organize funds, use funds, and balance funds" as the center of the whole year's work, and implement the principle of "depositing banks." The two footholds are based on market development and internal management. Through one-handed development and one-handed management, while promoting business development, it also pays attention to the improvement of internal management standards. The two projects are the financial revenue and expenditure plan and the credit plan. The ultimate goal of bank management is to maximize profits. Grasping the financial revenue and expenditure plan is equivalent to grasping the business direction, and the credit plan is a powerful tool for realizing financial revenue and expenditure plans. Therefore, earnestly implementing and implementing financial revenue and expenditure plans and credit plans is a reliable guarantee for realizing the bank's business objectives. In XX, Buji Branch carried out the guiding ideology of “one center, two footholds and two plans”. The facts prove that this guiding ideology is correct. By the end of XX, the self-operated deposits of Buji Branch had a discount of RMB 390.93 million, an increase of RMB 138.08 million over the beginning of the year, an increase of 59%. The increase was ranked fifth among the branches of the Ministry of Management, and the international business was completed with US$25 million. 120% of the business has achieved rapid and coordinated development of the business. At the same time, the internal management level has also reached a level, the asset quality has achieved “double no”, the quality of accounting has been continuously improved, and the error rate in the fourth quarter has reached zero. The increase in revenue and expenditure was also fruitful. In the case of a business volume that was half the growth of last year, the cost was saved by 230,000 yuan and the expense ratio was reduced by 1.11 percentage points. Asset income increased by 0.3 percentage points according to comparable statistics last year. All of this indicates that the guiding ideology of the "one center, two footholds, two plans" of the Buji branch is practical.
The third is accurate analysis of the situation, proper business measures, and work deployment. The Buji branch is located outside the customs. The local enterprises are mostly small “three to one supplement” enterprises, and have always been the power of state-owned commercial banks. The business development environment is extremely difficult. If the internal and external situation is not clear, the “row” will not be recognized. Emotion, there will be no clear market orientation and correct market positioning, which will lead to a mess of work and disruption. Therefore, the leaders of our bank attach great importance to investigation and research, recognize the working environment, and prepare for the embarrassment. The first job done in XX is to do a good job of "four studies", namely:
1. To study and analyze the economic development, policies, industries and development plans within the jurisdiction;
2. Study and analyze the development of the industry, identify competitors, and recognize the situation;
3. Study and analyze the composition of deposit and loan customers, focus on the key points, and manage at different levels.
4. Study your own business strategies.
In the "four studies", each credit field staff should be "four clear", that is, the information is clear, the environment is clear, the difficulties are clear, and the countermeasures are clear. Through the above investigation and research work, it is found that the income level of residents in Buji Town is relatively high, and it is affected by various factors such as property prices. More and more white-collar workers and Hong Kong compatriots are buying in Buji, while Buji Town is “three.” There are many small businesses in the “one to make up”, but there are also some large and medium-sized foreign-funded enterprises with large scale and good benefits, and these enterprises are less restricted in the choice of banks, and they are hard-working and hard to win. of. Therefore, according to these circumstances, we have formulated the focus of the XX-year development of the market: vigorously develop the savings business, and at the same time develop a large-scale strategy. In the aspect of business measures, the target layer is decomposed and implemented at various levels. Through “fixing tasks, setting measures, setting time, determining assessments, and awarding rewards and punishments”,

Pedestrians have goals, everyone has pressure, and everyone has motivation. The monthly progress of each loan officer is announced, and the number of projects is completed, so that all the field personnel can recognize the gap and feel the pressure, thus generating motivation. And every week, regular credit field work exchange meetings are held to introduce their experiences, experience and resources. These measures have effectively promoted the development of business development.
While clear marketing orientation, identifying market positioning, and implementing relevant business measures, we are also doing a good job in all aspects of work deployment. Implement the principle of “integration in the district and outside the district, combining public and savings, combining internal and external departments, and combining leaders and employees”; implementing a one-stop service of “leaders serve employees, internal service is field service, and full-service customer service”; Implementing the "person-to-man" tactics, a loan officer "pegs" a customer for a certain period of time, understands the situation, seizes the opportunity, and takes the "virtual" into the market. Advocating the "nail spirit" and "stupid spirit", and establishing a professional spirit of "not afraid of suffering, not afraid of tiredness", this practice effectively opened up the work situation and achieved good results in business development. For example: A, Buji Town Dexing City is 1.3 kilometers in length, which is one of the better quality properties in Buji Town. All the fee-based businesses are determined to be handled by us. It is quite difficult to develop this customer, and the competition in the industry is very strong. Our bank first sent field personnel and attacked on all sides. Get in touch with the leaders of the water, electricity department, property management office and construction unit. Second, concentrate on strength and break through one by one. To the patient leaders of the relevant departments to do the patient work one by one, to carry forward the "nail spirit" and "stupid spirit" of the recruiters, it is hard to take the sweat and sincerely take their intentions in the unfavorable situation in the competition in the same industry. Finally, come to a "conference war." Bring out the leaders of all aspects and gather them into a table and finalize them on the spot. This business has been negotiated for three months, and the sweat of three months has not been in vain. It has effectively promoted the development of our bank's savings business and business, and achieved good results. B. Xinli Company is a large-scale company that was developed by our bank in XX years. The client was hailed by the leadership of the management department as "a wonderful work of the remote branch." The company's international business volume in XX is more than 50 million US dollars, the average balance of RMB deposits is more than 5 million yuan per day, and the US dollar deposit is more than 2 million yuan. The monthly wages of more than XX are issued by the Bank, amounting to more than 2 million yuan. The customer originally handled business at China Merchants Bank. In the same industry competition in the region, the Bank was also in an unfavorable position. For this reason, the Bank specially held a special meeting for field personnel to study and deploy the plan to develop the customer. First of all, the company will be bottomed out. It is understood that the company is a wholly foreign-owned enterprise, which has a high reputation at home and abroad, and has high requirements for banks. However, once a business relationship is established, it is generally difficult to change jobs and cooperation is relatively stable. Second, implement the "person-to-man" tactics. Arrange a loan officer to peg the company, and regularly visit and contact the unit and home to establish a closer relationship with the customer. Once again, seize the opportunity and take the “virtual” and enter. When we learned that we seized this opportunity, we quickly entered the market with the support of the superior bank, and installed the teller machine in the company, effectively solving the problem of wages paid by the company. At the same time, in other businesses, we rushed to carry out propaganda campaigns and strive for work, and finally enabled our customers to smoothly carry out business in full swing.
Fourth, the internal management has been grasped, the quality has been fine, and the quality level has been upgraded.
In XX, internal management was another focus of our work, and it proposed a strategy of “promoting development through management”. Strive to improve from basic management to system construction, from skills training to professional service standards, as well as the three defenses and one insurance work, so as to effectively guarantee and promote the development of the Bank's business.
Basic management standardization, institutionalization, and standardization.
In XX, the internal management of our bank started from standardization, institutionalization and standardization, and took the path of legal operation and operation according to regulations. Promote the development of the business through the improvement of internal management standards, while ensuring the legal compliance of the business. Whether it is credit, accounting, or savings, it is strictly enforced by national financial regulations. The operating procedures are standardized and improved according to the relevant business charters of the general and branch offices, so that business operations are both standardized and commercially effective. First of all, the whole organization organized the power to review various rules and regulations at the beginning of the year, correcting mistakes and preventing them, and perfecting and standardizing them. For credit, in the review, it was found that credit data and file management were confusing, which was not conducive to business analysis and business decision-making. Therefore, credit information and file management posts were set up, and a set of archives data management system was established and improved. Second, optimize the combination of positions and strengthen internal control. Our bank's combination of positions in various departments follows the principle of being safe and efficient, so that the post operation is smooth and convenient for customers, and at the same time it can monitor each other and meet the requirements of internal control. On the credit, the principle of trial and loan review is implemented. The loan officer first understands the situation of the loan enterprise, whether it meets the loan requirements, writes a loan report, and then the credit director is based on “three sexes”, that is, safety, liquidity, The effectiveness of the approval, and finally signed by the president, completed the three levels and then reported to the higher-level bank for approval, it is precisely because of the layer-by-layer monitoring, sound system, effective internal control, effectively safeguard the quality of credit assets, to achieve "double No, at the same time diversifying the asset structure and realizing the organic combination of “three natures”. Once again, the intensity of post-mortem inspections has been strengthened. Through post-examination, the execution of business operations programs can be supervised. At the same time, problems can be discovered, errors can be corrected, and vice versa can be promoted to form a benign circle. For example, in accounting, before doing a good job, while working in the workplace, it also strengthens the intensity of post-supervision supervision. The accounting supervisor conducts a compliance legality review on each of the vouchers for the day's accounts, ensuring the legal compliance of the business, correcting the existing problems, and improving the business operation procedures. This effectively promoted the improvement of the quality of accounting. In the case of fewer people and more business volume, the error rate in the fourth quarter reached zero. It is precisely because of the precautionary measures, the control of the matter, and the strong guarantee of post-supervision. The internal management level has reached a new level, which has effectively promoted the development of our business and ensured the legal compliance of the business. As for the temptations of illegal trading such as high interest rates in the society, the Bank has always insisted on legal operations, and there has been no violation of laws and regulations throughout the year.
In terms of system construction, pay attention to the establishment, improvement, implementation and evaluation of the system.
In XX, we established and improved various rules and regulations according to the needs of the business. The first is to adhere to the morning meeting system, and hold regular meetings of the whole party every Monday. You can use the half-hour hours before the class to learn about relevant policies and regulations, files, and related work arrangements. Each department holds a meeting according to their needs. The second and fourth grades of the internal business learn business knowledge, and the third and fifth skills training; the field meetings are held to introduce their work experience. Secondly, in response to the needs of our bank to save and increase reserves and implement the strategy of large-scale households, we have successively launched a large-scale regular reporting system, customer complaints and rewards system, lobby guidance supervisor system, and savings account system. To check the performance and progress of the field staff and successfully implement the weekly work log system of the field. Finally, a monthly award evaluation system will be established. In order to implement an effective incentive mechanism, full use of economic leverage to mobilize the enthusiasm of staff. In the internal service, according to the service attitude, work quality, instrumentation, test scores, whether the service star is evaluated, the number of the completion of the project according to the deposit, the quality of the attendance loan, and the material and spiritual reward for the outstanding performance, Effectively mobilized the enthusiasm of employees. The implementation of these systems has effectively promoted the healthy development of our businesses.
Strictly control the cost to ensure the smooth implementation of the profit plan.
In XX, the management department proposed to increase revenues and reduce expenditures, and strive to achieve the maximum profit. I have done a lot of work in this area. First of all, in the whole bank to establish the concept of "increasing income and saving", from saving one

Sheet of paper, once electric, a drop of water began, and earnestly do a good job of increasing income and reducing expenditure. Secondly, carefully analyze the cost structure, find a breakthrough to reduce costs, and again, strict cost approval system, implement the “one pen” approval of the branch president. Strictly review the financial review, and should not be disbursed. Due to clear thinking and effective measures, our bank's business development has decreased by nearly 230,000 compared with XX in the case of nearly half of the growth of the business. The expense ratio decreased by 1.11 percentage points. It can be said that the XX-year “increasing income and saving expenditure” was very effective.
We will do a good job in building a workforce and improve the quality of our employees.
The workforce is the "cost" of bank work. Without a philosophical advancement, excellent work style, excellent quality, and a team of employees who work together, bank work is difficult to carry out. The leaders of the Buji Sub-branch have a deep understanding of this point, attaching great importance to the construction of the workforce and improving the business of the employees. First of all, starting from the ideological education of employees, do a good job in the construction of the style, adhere to the civilized job, courteous hospitality, and establish a modern service concept. At the same time, the leaders of the company are the intimate people of the employees, and they are relieved of their problems, which greatly inspires the morale and morale of the employees. Second, strengthen business training and improve the business of employees. By regularly holding skills training and learning business knowledge, and conducting monthly tests, the test results are announced, allowing employees to recognize the gap, feel the pressure, and form a situation of “catch up and learn”. At the same time, we will strengthen the education of the connotation of the same industry, use civilized terms, and let the customers be completely in the service of modern civilization, and come with joy and happiness. Once again, organize a labor competition. The monthly service star selection campaign is directly voted by the customer. At the same time, we set up a quality service demonstration window to establish advanced and spur progress, and set off a wave of quality service in the whole bank.
Do a good job of "three defenses and one guarantee".
Due to the fact that I am located outside the customs, the surrounding social environment is more complicated, coupled with the number of new employees, young age, and uneven thinking, which has brought greater pressure on our work of “three defenses and one guarantee”. We have made safety work one of the key points to prevent problems before they happen. First, a safety post responsibility system was formulated, a safety work plan was formulated, and a “three defenses and one insurance” leading group was established. Secondly, strengthen the awareness of employees' "three defenses and one insurance". Regularly organize and study relevant cases, ask the old staff to introduce anti-counterfeiting, anti-fraud experience, etc., and organize anti-robbing exercises to prevent them from happening. Once again, the safety and security system for adjustment and payment has been improved, and the management of the second door has been strengthened. Due to the sound system and effective measures, the "three defenses and one insurance" work was effectively carried out. There is no accident for the whole year of XX.
The fifth is the unity of employees, with strong cohesiveness and combat effectiveness.
The Buji branch is located outside the customs, the working environment is extremely difficult, and there is no “land advantage”. The XX year, which was deeply affected by the “Southeast Asian financial turmoil”, is the harsh winter of the financial world , and there is no “daytime”. The business of Buji Branch can develop rapidly, and the only thing that depends on “human harmony”. The employees of Buji Branch are united, have strong cohesiveness and combat effectiveness, and have a sincere heart dedicated to the cause of the business. The rapid development of the Buji branch business is inseparable from their hard work and sweat.