Summary of the work of the bank department manager in 2019
Because of work needs, from the end of January to the beginning of October, XX, I worked as a department manager in the personal business department of the xx branch. According to the working ideas of the party committee and the status quo of personal business development of the xx branch, the company has established an effort to “focus on traditional business, pay close attention to new business, and promote the steady and rapid growth of personal business income around new economic growth points”. The specific work report is as follows:
First, promote the steady growth of deposits and loans. Under the correct leadership of the party committee, through various labor competitions such as “Spring Action” and “Summer Passion”, Zhou Zhoudu and Tiantian urged to promote the steady growth of savings deposits and personal loan business, and the joint efforts of employees throughout the bank. Under the end of September, the savings deposits on the basis of the balance at the beginning of the year, a net increase of 10,000 yuan, 64.1% of the completion of the plan, the various loans increased by a net amount of 10,000 yuan at the beginning of the year, making xx better in recent years Two real estates, “Jianglin Tianxia” and “Shanshui River Bank”, settled in xx Agricultural Bank.
In combination with the high-quality capacity of the XX Yangtze River Channel, in conjunction with the investigation of the Sanlian Personal Financial Business Department of the Municipal Branch, the “Agricultural Bank of China: Municipal Branch Individual Ship Mortgage Loan Management Measures” was issued, and the xx sub-branch became the first batch of individual ship mortgage loans. Branch. As a big county for water transportation, we have added another economic growth point for new profits.
Second, promote the sustainable development of the work of the three rural areas, and strive to reduce the risk of three rural loans.
We will continue to promote the work of the three rural areas with the support of “Nongshang Business”, “Huinong Card” and “Microfinance”. More than 120 households were collected from the Ministry of Agriculture and Commerce. In April, the Agricultural Commercial Bank was installed and used for training, and 60 agricultural and commercial enterprises were installed at one time. 20 small-scale cash-out farmers were opened to expand the card environment for the Huinong Card.
With the in charge of the governor to the three three rural network sites to conduct a ground-breaking investigation, aiming at the status quo of "small agricultural loans and non-performing loans" and the actual situation of the farmers, formulate and implement "a part of the prosecution, shocking part, picking up part of the door, and suspending part of it" The plan is to prevent the bad loans of small-scale agricultural loans. Through various methods, the county has recovered a total of 1.8 million yuan, and the non-performing rate is controlled below 5%.
Third, pay close attention to the development of new business, financial products and gold sales to achieve zero breakthrough.
In response to the new changes in the financial market and the needs of customers, we will promote the marketing of wealth management products based on the interests of our customers. First of all, he took the lead in marketing wealth management products of 2.5 million yuan. Secondly, he formulated the incentives for wealth management products, and then thoroughly explained the spirit of wealth management products to the director, lobby manager and account manager. At the beginning, every time there was a new wealth management product, the materials and key points were printed and handed over to the lobby manager Wang Xiaoyan and others, and the marketing was pushed away from the point of view. By the end of September, a total of 394.16 million yuan of wealth management products were sold.
In response to the warming of the gold market and the requirements of customers, the city branch agreed to the Dongfeng of the sales department of the xx branch business department. With the support of the leaders, the Banking Bureau, the Industry and Commerce Bureau, branches and other internal departments coordinated. In the month xx branch business department physical gold was successfully sold, and organized 651 grams of physical gold in the month. In May, it won the second place in the precious metal sales competition of the Sannong Bank business outlets of the city branch and the reward of 3,000 yuan each.
Fourth, pay attention to the development of credit card business.
Strictly control the quality of credit card increments, and avoid the occurrence of “bad money to drive out good money” in the currency science to the customer group of Platinum Credit Card. For the Platinum Credit Card customers, change the status quo of “redistribution, light management, lack of teaching”, classify and clean up the original customer groups, and encourage them to guide customers to correctly use Platinum credit cards for correct consumption and reasonable points to avoid malicious cash and malicious Overdraft. High-integration, high-schedule, high-contribution customers give continued use and appropriate upswings, low points and no installments, and all customers are given derating and credit locks to promote the benign, healthy and sustainable development of credit card business.
Under the correct leadership of the branch card department and the line leader, I led a gold department and network account manager to actively develop credit card consumer installment repayment and credit card installment purchase business. In May XX, the new installment of the three agricultural enterprises in the middle of the month was 2.3 million yuan, and the number of newly added cars in the month was 12, ranking second; in June, the new installment of the xx branch was 5.55 million yuan, and the number of new cars added in the month was 15 Taiwan, ranked second; July xx branch monthly increase of 8.68 million yuan, the number of new cars in the month of 26, ranked second, won the branch xx ABC rewards 60,000 yuan. In this year, the credit card business revenue increased by 1.57 million yuan compared with the same period of last year, with a growth rate of 153%, which contributed a lot to the income of the intermediary business this year.
V. The VIP team has achieved certain results, but it still has a long way to go and still needs to work hard.
No matter how fierce the competition between banks is, the essence is just the competition for quality customer resources. Therefore, focusing on the construction and management of the VIP team and enhancing competitiveness will determine who will occupy more quality customer resources. This requires: First, the team members themselves must have a high degree of responsibility, dedication and comprehensive literacy; second, they must have good financial products, and provide a more complete integration of various financial products for people with different personalities and needs. Combined marketing. There is never a single product that can satisfy all customers, and no single account manager can handle all of them. People are products with defects, no perfect individuals, only perfect teams. This is the goal and it still needs to work hard. In the appraisal of the city branch, in May and September of XX, xx Agricultural Bank was awarded the 8th and 6th place of the VIP management of the city branch and the fee reward of 60,000 yuan.
6. Focus on network transformation and high-quality civilized service.
According to the requirements of network construction transformation, we will participate in the morning meetings of various organizations from time to time, preach the marketing of financial products and financial products, and participate in the training of branch training skills.
The "Mysterious People's Unannounced Visits" of the Head Office will be used to enhance the quality and service of the network's civilized civilization, and the "Measures and Measures for the Civilization and Quality Service Management of the XX Branch" will be formulated. The personnel of the Ministry of Finance will be organized to inspect and supervise the organizations from time to time, and call on everyone not to provide quality services due to unannounced visits. It should be "to make civilized quality service a habit!"
Looking back at the work of these months, I am in a hurry, have some achievements, and there are some unsatisfactory places. Thanks to the correct leadership and care support of the leaders, and the help of my colleagues, I will continue to work hard in new jobs, selfless dedication.
First, promote the steady growth of deposits and loans. Under the correct leadership of the party committee, through various labor competitions such as “Spring Action” and “Summer Passion”, Zhou Zhoudu and Tiantian urged to promote the steady growth of savings deposits and personal loan business, and the joint efforts of employees throughout the bank. Under the end of September, the savings deposits on the basis of the balance at the beginning of the year, a net increase of 10,000 yuan, 64.1% of the completion of the plan, the various loans increased by a net amount of 10,000 yuan at the beginning of the year, making xx better in recent years Two real estates, “Jianglin Tianxia” and “Shanshui River Bank”, settled in xx Agricultural Bank.
In combination with the high-quality capacity of the XX Yangtze River Channel, in conjunction with the investigation of the Sanlian Personal Financial Business Department of the Municipal Branch, the “Agricultural Bank of China: Municipal Branch Individual Ship Mortgage Loan Management Measures” was issued, and the xx sub-branch became the first batch of individual ship mortgage loans. Branch. As a big county for water transportation, we have added another economic growth point for new profits.
Second, promote the sustainable development of the work of the three rural areas, and strive to reduce the risk of three rural loans.
We will continue to promote the work of the three rural areas with the support of “Nongshang Business”, “Huinong Card” and “Microfinance”. More than 120 households were collected from the Ministry of Agriculture and Commerce. In April, the Agricultural Commercial Bank was installed and used for training, and 60 agricultural and commercial enterprises were installed at one time. 20 small-scale cash-out farmers were opened to expand the card environment for the Huinong Card.
With the in charge of the governor to the three three rural network sites to conduct a ground-breaking investigation, aiming at the status quo of "small agricultural loans and non-performing loans" and the actual situation of the farmers, formulate and implement "a part of the prosecution, shocking part, picking up part of the door, and suspending part of it" The plan is to prevent the bad loans of small-scale agricultural loans. Through various methods, the county has recovered a total of 1.8 million yuan, and the non-performing rate is controlled below 5%.
Third, pay close attention to the development of new business, financial products and gold sales to achieve zero breakthrough.
In response to the new changes in the financial market and the needs of customers, we will promote the marketing of wealth management products based on the interests of our customers. First of all, he took the lead in marketing wealth management products of 2.5 million yuan. Secondly, he formulated the incentives for wealth management products, and then thoroughly explained the spirit of wealth management products to the director, lobby manager and account manager. At the beginning, every time there was a new wealth management product, the materials and key points were printed and handed over to the lobby manager Wang Xiaoyan and others, and the marketing was pushed away from the point of view. By the end of September, a total of 394.16 million yuan of wealth management products were sold.
In response to the warming of the gold market and the requirements of customers, the city branch agreed to the Dongfeng of the sales department of the xx branch business department. With the support of the leaders, the Banking Bureau, the Industry and Commerce Bureau, branches and other internal departments coordinated. In the month xx branch business department physical gold was successfully sold, and organized 651 grams of physical gold in the month. In May, it won the second place in the precious metal sales competition of the Sannong Bank business outlets of the city branch and the reward of 3,000 yuan each.
Fourth, pay attention to the development of credit card business.
Strictly control the quality of credit card increments, and avoid the occurrence of “bad money to drive out good money” in the currency science to the customer group of Platinum Credit Card. For the Platinum Credit Card customers, change the status quo of “redistribution, light management, lack of teaching”, classify and clean up the original customer groups, and encourage them to guide customers to correctly use Platinum credit cards for correct consumption and reasonable points to avoid malicious cash and malicious Overdraft. High-integration, high-schedule, high-contribution customers give continued use and appropriate upswings, low points and no installments, and all customers are given derating and credit locks to promote the benign, healthy and sustainable development of credit card business.
Under the correct leadership of the branch card department and the line leader, I led a gold department and network account manager to actively develop credit card consumer installment repayment and credit card installment purchase business. In May XX, the new installment of the three agricultural enterprises in the middle of the month was 2.3 million yuan, and the number of newly added cars in the month was 12, ranking second; in June, the new installment of the xx branch was 5.55 million yuan, and the number of new cars added in the month was 15 Taiwan, ranked second; July xx branch monthly increase of 8.68 million yuan, the number of new cars in the month of 26, ranked second, won the branch xx ABC rewards 60,000 yuan. In this year, the credit card business revenue increased by 1.57 million yuan compared with the same period of last year, with a growth rate of 153%, which contributed a lot to the income of the intermediary business this year.
V. The VIP team has achieved certain results, but it still has a long way to go and still needs to work hard.
No matter how fierce the competition between banks is, the essence is just the competition for quality customer resources. Therefore, focusing on the construction and management of the VIP team and enhancing competitiveness will determine who will occupy more quality customer resources. This requires: First, the team members themselves must have a high degree of responsibility, dedication and comprehensive literacy; second, they must have good financial products, and provide a more complete integration of various financial products for people with different personalities and needs. Combined marketing. There is never a single product that can satisfy all customers, and no single account manager can handle all of them. People are products with defects, no perfect individuals, only perfect teams. This is the goal and it still needs to work hard. In the appraisal of the city branch, in May and September of XX, xx Agricultural Bank was awarded the 8th and 6th place of the VIP management of the city branch and the fee reward of 60,000 yuan.
6. Focus on network transformation and high-quality civilized service.
According to the requirements of network construction transformation, we will participate in the morning meetings of various organizations from time to time, preach the marketing of financial products and financial products, and participate in the training of branch training skills.
The "Mysterious People's Unannounced Visits" of the Head Office will be used to enhance the quality and service of the network's civilized civilization, and the "Measures and Measures for the Civilization and Quality Service Management of the XX Branch" will be formulated. The personnel of the Ministry of Finance will be organized to inspect and supervise the organizations from time to time, and call on everyone not to provide quality services due to unannounced visits. It should be "to make civilized quality service a habit!"
Looking back at the work of these months, I am in a hurry, have some achievements, and there are some unsatisfactory places. Thanks to the correct leadership and care support of the leaders, and the help of my colleagues, I will continue to work hard in new jobs, selfless dedication.
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