Bank's first quarter summary in 2019
The Bank continued to focus on the objectives and tasks of the second board of directors, clarifying the work ideas, seeking truth and being pragmatic, strengthening management, coordinating development, and concentrating on the expansion of organizational funds and market share. At the end of August, the total deposits exceeded 15 billion yuan. The speed of development has been accelerating, the management level has been continuously improved, and various businesses have made new progress, laying a solid foundation for the next stage of work.
By the end of September this year, the Bank’s RMB deposits were ** billion yuan, an increase of **100 million yuan over the beginning of the year, an increase of **%. Among them, savings deposits increased by **100 million yuan compared with the beginning of the year, and the balance reached **100 million yuan, an increase of **%. The balance of public and other deposits was ** billion yuan, an increase of ** billion yuan over the beginning of the year.
The balance of RMB loans was **100 million yuan, an increase of **100 million yuan over the beginning of the year, an increase of **%. Among them, the balance of agricultural economic organizations and farmer loans was ** billion yuan, an increase of ** billion yuan over the beginning of the year; the balance of private, private and joint-stock SME loans was ** billion yuan, an increase of ** billion yuan over the beginning of the year; **%.
At the end of September, the balance of foreign exchange deposits in international business was **10,000 US dollars, an increase of **10,000 US dollars compared with the beginning of the year. The international settlement volume was 10,000 US dollars, an increase of **10,000 US dollars over the same period of last year, of which the export settlement amount reached ** 10,000 US dollars, an increase of ** 10,000 US dollars compared with the same period of last year; the import settlement amount ** 10,000 US dollars, an increase over the same period last year ** Ten thousand U.S. dollars. The total amount of foreign exchange settlement and sales was US$ 10,000, an increase of US$ 10,000 over the same period last year. The balance of foreign exchange loans was 10,000 US dollars, an increase of 10,000 US dollars compared with the beginning of the year; RMB packaged loans ** 10,000 yuan, an increase of 10,000 yuan over the beginning of the year.
At the end of September, the balance of non-performing assets was **100 million yuan, a decrease of **10,000 yuan from the beginning of the year, and **% of non-performing assets, down xxxx percentage point from the beginning of the year. In the third quarter of this year, the comprehensive loan interest rate was **%, an increase of xxxx percentage points over the same period of last year. In the first three quarters, the Bank achieved a book profit of **10,000 yuan.
In the third quarter of this year, we mainly focused on the following aspects:
Pay close attention to organizational funds and steadily expand market share.
Deposits are always the foundation of banking operations; shares represent the status of regional competition. In the first half of this year, although the total amount of deposits of our bank has been more than half of the time and more than half of the tasks, in the competition of the same industry, the amount of new deposits of the Bank is much larger than that of other banks in the region. The total deposits accounted for 22% of the total market share at the beginning of the year. To 20.xxxx. In the face of this situation, we fully realize that “there is no way to go against the water, and we will not retreat.” In the third quarter, we will not grasp the organization of deposits in one step, and we will not expand our market share.
First, in order to help the branches to mobilize the enthusiasm of employees, motivate employees to work, and maintain the high morale of organizing funds for a long time, in the fierce market competition, lay a good foundation for organizing funds, and strive to make greater breakthroughs in market share. On the 10th anniversary of the operation, on August 18th, the first time since the independent operation, the meeting of the presidents of the branches was held in the evening, and the activities were fully mobilized, and the activities of “matching pairs, competing for shares, contributing more, and competing for market organization funds” were closely deployed. The competition will form a group of 3xxxx sub-branches in the city according to the market share level and the economic environment, and each of them will be assigned their respective target tasks. The bundled competition assessment will play a powerful role in promoting the increase of deposits and market share.
Second, through the queuing of the lower branches of the market share, the analysis of the ineffectiveness of the Bank's organization of funds work, the lack of incentives and other specific problems and deficiencies, on August 24, once again convened market share in the town below his line, the new year The 20 branch executives who have increased less than others and have little assessment will hold a live meeting at the ** branch. Once again, the pressure is boosted, and the drums of the pair, the contribution, and the share of the competition are ringing. By looking at the propaganda atmosphere of the ** branch business hall, and the monthly fund-raising performance of all employees announced by Zhangbang and the results of each quarter's assessment; listening to the ** sub-branch organization funds to implement open, fair and transparent assessment of the experience and strong assessment, expand share To promote the steady development of various businesses; 20 branch presidents have come to power to express their firm determination and confidence in winning the battle, to carry forward the spirit of leadership, hard work and hard work; to create a good publicity atmosphere, assessment atmosphere, and fund-raising atmosphere. Create new achievements.
At the same time, in order to let the cadre employees of the whole bank compare with the brothers and sub-branches to better understand their own gaps, and rank in the entire rural commercial bank, to know ourselves and know each other, and to fight against each other, we have launched a weekly issue of "pairing and competition." , than the contribution, the market organization fund competition briefing, weekly release of deposits, tracking the dynamics of the funds organized by the branches, regularly introduce the organization of capital practices, creating a strong atmosphere of chasing after you, common progress. At the end of September, the total deposit increased by 1.4 billion yuan from the end of June, and the deposit market share was steadily expanded.
Participate in advanced education and support local efforts to improve.
In the third quarter, the time ** commercial bank party committee to maintain the advanced nature of the Communist Party members of the educational activities, we are under the leadership of the party committee, unified deployment, meticulous organization, careful arrangements, truth-seeking and pragmatic, and actively participate in the education activities to maintain the advanced nature of party members In order to promote the enthusiasm of employees with advanced nature, to reflect the responsibility of supporting local development with advanced nature, and to enhance the reputation of local banks with advanced nature.
To support local development as its own responsibility, we will build a long-term mechanism of "three ingress, three services." On the one hand, we continue to strengthen the awareness of “agriculture, rural areas and farmers” and actively support the development of “agriculture, rural areas and farmers” Vigorously cultivate agricultural support and expand agricultural support. In the advanced nature education activities, each member of the Party Committee of the Bank contacted an agricultural industrial enterprise, namely: ** Shenlong Snake Industry, ** Kyushu Fruit Industry, ** gorgeous ecological gardening, ** Lushan Chicken Farm, **Chenghe Poultry industry, ** future gardens, ** Tang Xingcai cattle farm. Under the leadership of the party committee members, the grassroots sub-branches firmly established the "three rural" service awareness, and further strengthened the support for local farmers and agricultural enterprises. At the end of September, the bank's agricultural loan balance increased by 310xxxx yuan from the end of June, accounting for 9xxxx. Continue to maintain the absolute share of our bank's agricultural loans in the city.
At the same time, the party committee led the "three in, three services" identified xxxx SMEs contact point work, for the Bank to vigorously support small and medium enterprises, strengthen market share expansion has played a very good leading role. The whole bank combined market share expansion, targeting state-owned land, real estate and other effective asset-backed enterprises, with good reputation and promising enterprises, and continuously increased support for local economy. At the end of September, the Bank supported private, private and joint-stock SMEs. A total of ** a lot, the loan balance of ** billion yuan, an increase of ** billion yuan over the beginning of the year, compared with the end of June added ** billion yuan. Among them, mortgage loans accounted for 3xxxx for the first time, reaching 30.xxxx, an increase of 2.xxxx percentage points compared with the beginning of the year, effectively expanding market share and further enhancing the reputation and social status of local banks.
Always grasp the basic management, and the special treatment of cases has been comprehensively promoted.
According to the leadership of the State Council to increase the special treatment of cases, to prevent the risk of commercial banks, and the Office of the China Banking Regulatory Commission, the "Special Governance Work Plan for Commercial Banks and Rural Credit Cooperative Cases", the Bank began its special project in late April. Governance organization launch, special inspection and rectification summary all three stages of work in-depth.
Through the special treatment of cases, the basic work of accounting has been further strengthened. Based on the “Implementation Measures for Accounting Upgrades”, the Bank conducted a special inspection on the implementation of account management, cash management and standard operations in the implementation of account management, cash management and standard operations, and carried out this year’s accounting cashier inspection and accounting compliance assessment, analysis and inspection. The problem, targeted, looking for the crux of the problem, and the various aspects of the operational process through the case of special governance, further standardizing credit management and operations. The Bank combined the CBRC loan five-level classification deviation inspection, focusing on the accuracy of the city's five-category loan classification, the loan mortgage rate regulation, the legality of the guarantee procedures, the related party transactions, and the Bank's internal multi-line loans. , effectively promoted the standardized management of credit operations.
Through the special treatment of cases, the key points of internal control were identified. In the special case management process of the case, especially when the headquarters is intensively inspected, according to the general requirements of “finding the case, rectifying the standard operation, promoting business development, and enhancing the ability of anti-risk”, the Bank will allocate the 5xxxx business backbone of the city and divide it into xxxx inspection group for the whole city 3xxxx. The sub-branch conducted a “carpet-style” on-site inspection to identify key points and weak links in internal control, and actively implemented rectification through the formulation of corresponding rectification plans. The special treatment of the case will be carried out, the inspection and handling will be in place, the responsibility will be investigated, the problem will be rectified, the hidden dangers will be put out, and the case will be contained.
Service levels have improved.
With the advent of the financial industry service era, competition will become increasingly fierce, and the advantages of competition are reflected in the advantages of talents on the one hand and service advantages on the other. In order to create a service advantage, from the bottom up, from the branch – each film – headquarters, in July, the “If I am a customer” speech contest was widely carried out, and the “If I am at the grassroots” speech contest was launched for the organization. activity. From the analysis of the basic requirements of a customer, the speech starts from analyzing the needs of grassroots employees, implements empathy, and actively explores new ideas and methods for rural financial services in the new era, thus promoting the renewal of service concepts and service levels of the whole bank. The vitality of local banks promotes the faster and better development of commercial banks. The 3xxxx speakers who participated in the finals of the headquarters decided to win the first, second and third prizes through the intense and intense speech contest. In the competition, the players fully demonstrated their knowledge and talents, so that the connotation of the speech contest was improved, the awareness of quality service was improved, and the obvious effect was received.
In addition, the open service piloted by the ** support behavior was officially unveiled at the beginning of July. It achieved good results at the beginning of the operation and was well received and praised by customers. The open service abandons the iron fence on the service hall service window, and implements a face-to-face, intimate and affectionate service to the customer, thus bringing the distance to the customer closer, so that the customer enters the bank as if he is close to home and feels close and comfortable. At present, the open service of business outlets is being promoted to the whole city in an orderly manner. We believe that by setting up an open service area to provide quality services and to facilitate customers, we will be able to better interpret the service tenet of “being closest to you and being closest to you” and contribute to further expanding market share and enhancing the image of the bank. .
The second quarter work is planned to be the second quarter. It is the sprint stage of the first year of the second board of directors. The stability of deposit growth in the first two quarters is insufficient, the progress of asset quality optimization is insufficient, and the comprehensive profitability and capital are sufficient. If the core competitiveness needs to be further improved, it will continue to focus on the "share", "benefit", "risk" and "image" in the semi-annual work conference, and pay tribute to the 10th anniversary of independent business.
1. Highlight key deposits and increase the share to a new level.
Organizing funds has always been the foundation and focus of banking work. In the previous stage, the paired competition has achieved initial results, but the stability of deposits is not strong. We must continue to highlight deposit growth, strengthen publicity, strengthen competition assessment, strengthen service innovation, and persevere to "pair, compete, share, contribute, The competition for market organization fund competition has been carried out with great success, and the market share of deposits has been pushed to a new level.
2. Grasp the expansion and strive for benefits and consolidate the capital adequacy ratio.
This year is the last year for the Bank to enjoy the policy of halving income tax. In the second quarter, we will continue to focus on the hotspots and key points of our city's economic development, focusing on the construction of Linjiang Development and Development Zone and the construction of industrial concentration zones in our city, aiming at effective asset-backed enterprises. Grasp the traditional business development, increase support, try to expand the market, and strive for maximum benefits. At the same time, we must continue to strengthen various management, do a good job in all financial accounting during the year, try our best to control unreasonable expenses, oppose extravagance and waste, prevent running, taking, dripping, leaking, prevent all kinds of cases from happening, and strive for the best benefits. We will fully improve the capital adequacy ratio and various provision rates, and deliver a satisfactory answer to all shareholders.
3. Grasp the difficulties and seek breakthroughs, and strive to improve the quality of assets.
The quality of credit assets has always been the foundation of our bank's efficiency and has always been the foundation of our rapid development. In the second quarter, it is necessary to seize the favorable opportunity to withdraw more funds from the year-end enterprises, and to succumb to the live assets, one step will not loosen the bad, and strive for a double decline in the balance. First, we must pay close attention to standardizing the five-category credit classification, speed up the construction of the credit management system of the Bank, and provide scientific decision-making tools for strengthening credit management at an early date. Second, we must concentrate on the work of the central bank's special bills, and strive for the implementation of the central bank's financial support policies. The third is to control the generation of non-performing loans as the starting point, complete the clean-up of support enterprises, control enterprises, and compression enterprises, and lay a good foundation for further strengthening credit management next year.
4. Strengthen the image of propaganda trees and strive to create a development environment.
We must pay close attention to the preparations for the 10th anniversary of our independent business, design a series of publicity programs, engage in publicity and publicity, deepen, refine, and extend the image planning of ci, and promote the office space, office supplies, publicity materials, instrumentation, service terms, etc. Hardware and software are built on grades and have specifications. It is necessary to expand new ideas for quality and civilized services, strengthen the construction of the style of work, and shape the brand image, adding new vitality to the commercial banks.
By the end of September this year, the Bank’s RMB deposits were ** billion yuan, an increase of **100 million yuan over the beginning of the year, an increase of **%. Among them, savings deposits increased by **100 million yuan compared with the beginning of the year, and the balance reached **100 million yuan, an increase of **%. The balance of public and other deposits was ** billion yuan, an increase of ** billion yuan over the beginning of the year.
The balance of RMB loans was **100 million yuan, an increase of **100 million yuan over the beginning of the year, an increase of **%. Among them, the balance of agricultural economic organizations and farmer loans was ** billion yuan, an increase of ** billion yuan over the beginning of the year; the balance of private, private and joint-stock SME loans was ** billion yuan, an increase of ** billion yuan over the beginning of the year; **%.
At the end of September, the balance of foreign exchange deposits in international business was **10,000 US dollars, an increase of **10,000 US dollars compared with the beginning of the year. The international settlement volume was 10,000 US dollars, an increase of **10,000 US dollars over the same period of last year, of which the export settlement amount reached ** 10,000 US dollars, an increase of ** 10,000 US dollars compared with the same period of last year; the import settlement amount ** 10,000 US dollars, an increase over the same period last year ** Ten thousand U.S. dollars. The total amount of foreign exchange settlement and sales was US$ 10,000, an increase of US$ 10,000 over the same period last year. The balance of foreign exchange loans was 10,000 US dollars, an increase of 10,000 US dollars compared with the beginning of the year; RMB packaged loans ** 10,000 yuan, an increase of 10,000 yuan over the beginning of the year.
At the end of September, the balance of non-performing assets was **100 million yuan, a decrease of **10,000 yuan from the beginning of the year, and **% of non-performing assets, down xxxx percentage point from the beginning of the year. In the third quarter of this year, the comprehensive loan interest rate was **%, an increase of xxxx percentage points over the same period of last year. In the first three quarters, the Bank achieved a book profit of **10,000 yuan.
In the third quarter of this year, we mainly focused on the following aspects:
Pay close attention to organizational funds and steadily expand market share.
Deposits are always the foundation of banking operations; shares represent the status of regional competition. In the first half of this year, although the total amount of deposits of our bank has been more than half of the time and more than half of the tasks, in the competition of the same industry, the amount of new deposits of the Bank is much larger than that of other banks in the region. The total deposits accounted for 22% of the total market share at the beginning of the year. To 20.xxxx. In the face of this situation, we fully realize that “there is no way to go against the water, and we will not retreat.” In the third quarter, we will not grasp the organization of deposits in one step, and we will not expand our market share.
First, in order to help the branches to mobilize the enthusiasm of employees, motivate employees to work, and maintain the high morale of organizing funds for a long time, in the fierce market competition, lay a good foundation for organizing funds, and strive to make greater breakthroughs in market share. On the 10th anniversary of the operation, on August 18th, the first time since the independent operation, the meeting of the presidents of the branches was held in the evening, and the activities were fully mobilized, and the activities of “matching pairs, competing for shares, contributing more, and competing for market organization funds” were closely deployed. The competition will form a group of 3xxxx sub-branches in the city according to the market share level and the economic environment, and each of them will be assigned their respective target tasks. The bundled competition assessment will play a powerful role in promoting the increase of deposits and market share.
Second, through the queuing of the lower branches of the market share, the analysis of the ineffectiveness of the Bank's organization of funds work, the lack of incentives and other specific problems and deficiencies, on August 24, once again convened market share in the town below his line, the new year The 20 branch executives who have increased less than others and have little assessment will hold a live meeting at the ** branch. Once again, the pressure is boosted, and the drums of the pair, the contribution, and the share of the competition are ringing. By looking at the propaganda atmosphere of the ** branch business hall, and the monthly fund-raising performance of all employees announced by Zhangbang and the results of each quarter's assessment; listening to the ** sub-branch organization funds to implement open, fair and transparent assessment of the experience and strong assessment, expand share To promote the steady development of various businesses; 20 branch presidents have come to power to express their firm determination and confidence in winning the battle, to carry forward the spirit of leadership, hard work and hard work; to create a good publicity atmosphere, assessment atmosphere, and fund-raising atmosphere. Create new achievements.
At the same time, in order to let the cadre employees of the whole bank compare with the brothers and sub-branches to better understand their own gaps, and rank in the entire rural commercial bank, to know ourselves and know each other, and to fight against each other, we have launched a weekly issue of "pairing and competition." , than the contribution, the market organization fund competition briefing, weekly release of deposits, tracking the dynamics of the funds organized by the branches, regularly introduce the organization of capital practices, creating a strong atmosphere of chasing after you, common progress. At the end of September, the total deposit increased by 1.4 billion yuan from the end of June, and the deposit market share was steadily expanded.
Participate in advanced education and support local efforts to improve.
In the third quarter, the time ** commercial bank party committee to maintain the advanced nature of the Communist Party members of the educational activities, we are under the leadership of the party committee, unified deployment, meticulous organization, careful arrangements, truth-seeking and pragmatic, and actively participate in the education activities to maintain the advanced nature of party members In order to promote the enthusiasm of employees with advanced nature, to reflect the responsibility of supporting local development with advanced nature, and to enhance the reputation of local banks with advanced nature.
To support local development as its own responsibility, we will build a long-term mechanism of "three ingress, three services." On the one hand, we continue to strengthen the awareness of “agriculture, rural areas and farmers” and actively support the development of “agriculture, rural areas and farmers” Vigorously cultivate agricultural support and expand agricultural support. In the advanced nature education activities, each member of the Party Committee of the Bank contacted an agricultural industrial enterprise, namely: ** Shenlong Snake Industry, ** Kyushu Fruit Industry, ** gorgeous ecological gardening, ** Lushan Chicken Farm, **Chenghe Poultry industry, ** future gardens, ** Tang Xingcai cattle farm. Under the leadership of the party committee members, the grassroots sub-branches firmly established the "three rural" service awareness, and further strengthened the support for local farmers and agricultural enterprises. At the end of September, the bank's agricultural loan balance increased by 310xxxx yuan from the end of June, accounting for 9xxxx. Continue to maintain the absolute share of our bank's agricultural loans in the city.
At the same time, the party committee led the "three in, three services" identified xxxx SMEs contact point work, for the Bank to vigorously support small and medium enterprises, strengthen market share expansion has played a very good leading role. The whole bank combined market share expansion, targeting state-owned land, real estate and other effective asset-backed enterprises, with good reputation and promising enterprises, and continuously increased support for local economy. At the end of September, the Bank supported private, private and joint-stock SMEs. A total of ** a lot, the loan balance of ** billion yuan, an increase of ** billion yuan over the beginning of the year, compared with the end of June added ** billion yuan. Among them, mortgage loans accounted for 3xxxx for the first time, reaching 30.xxxx, an increase of 2.xxxx percentage points compared with the beginning of the year, effectively expanding market share and further enhancing the reputation and social status of local banks.
Always grasp the basic management, and the special treatment of cases has been comprehensively promoted.
According to the leadership of the State Council to increase the special treatment of cases, to prevent the risk of commercial banks, and the Office of the China Banking Regulatory Commission, the "Special Governance Work Plan for Commercial Banks and Rural Credit Cooperative Cases", the Bank began its special project in late April. Governance organization launch, special inspection and rectification summary all three stages of work in-depth.
Through the special treatment of cases, the basic work of accounting has been further strengthened. Based on the “Implementation Measures for Accounting Upgrades”, the Bank conducted a special inspection on the implementation of account management, cash management and standard operations in the implementation of account management, cash management and standard operations, and carried out this year’s accounting cashier inspection and accounting compliance assessment, analysis and inspection. The problem, targeted, looking for the crux of the problem, and the various aspects of the operational process through the case of special governance, further standardizing credit management and operations. The Bank combined the CBRC loan five-level classification deviation inspection, focusing on the accuracy of the city's five-category loan classification, the loan mortgage rate regulation, the legality of the guarantee procedures, the related party transactions, and the Bank's internal multi-line loans. , effectively promoted the standardized management of credit operations.
Through the special treatment of cases, the key points of internal control were identified. In the special case management process of the case, especially when the headquarters is intensively inspected, according to the general requirements of “finding the case, rectifying the standard operation, promoting business development, and enhancing the ability of anti-risk”, the Bank will allocate the 5xxxx business backbone of the city and divide it into xxxx inspection group for the whole city 3xxxx. The sub-branch conducted a “carpet-style” on-site inspection to identify key points and weak links in internal control, and actively implemented rectification through the formulation of corresponding rectification plans. The special treatment of the case will be carried out, the inspection and handling will be in place, the responsibility will be investigated, the problem will be rectified, the hidden dangers will be put out, and the case will be contained.
Service levels have improved.
With the advent of the financial industry service era, competition will become increasingly fierce, and the advantages of competition are reflected in the advantages of talents on the one hand and service advantages on the other. In order to create a service advantage, from the bottom up, from the branch – each film – headquarters, in July, the “If I am a customer” speech contest was widely carried out, and the “If I am at the grassroots” speech contest was launched for the organization. activity. From the analysis of the basic requirements of a customer, the speech starts from analyzing the needs of grassroots employees, implements empathy, and actively explores new ideas and methods for rural financial services in the new era, thus promoting the renewal of service concepts and service levels of the whole bank. The vitality of local banks promotes the faster and better development of commercial banks. The 3xxxx speakers who participated in the finals of the headquarters decided to win the first, second and third prizes through the intense and intense speech contest. In the competition, the players fully demonstrated their knowledge and talents, so that the connotation of the speech contest was improved, the awareness of quality service was improved, and the obvious effect was received.
In addition, the open service piloted by the ** support behavior was officially unveiled at the beginning of July. It achieved good results at the beginning of the operation and was well received and praised by customers. The open service abandons the iron fence on the service hall service window, and implements a face-to-face, intimate and affectionate service to the customer, thus bringing the distance to the customer closer, so that the customer enters the bank as if he is close to home and feels close and comfortable. At present, the open service of business outlets is being promoted to the whole city in an orderly manner. We believe that by setting up an open service area to provide quality services and to facilitate customers, we will be able to better interpret the service tenet of “being closest to you and being closest to you” and contribute to further expanding market share and enhancing the image of the bank. .
The second quarter work is planned to be the second quarter. It is the sprint stage of the first year of the second board of directors. The stability of deposit growth in the first two quarters is insufficient, the progress of asset quality optimization is insufficient, and the comprehensive profitability and capital are sufficient. If the core competitiveness needs to be further improved, it will continue to focus on the "share", "benefit", "risk" and "image" in the semi-annual work conference, and pay tribute to the 10th anniversary of independent business.
1. Highlight key deposits and increase the share to a new level.
Organizing funds has always been the foundation and focus of banking work. In the previous stage, the paired competition has achieved initial results, but the stability of deposits is not strong. We must continue to highlight deposit growth, strengthen publicity, strengthen competition assessment, strengthen service innovation, and persevere to "pair, compete, share, contribute, The competition for market organization fund competition has been carried out with great success, and the market share of deposits has been pushed to a new level.
2. Grasp the expansion and strive for benefits and consolidate the capital adequacy ratio.
This year is the last year for the Bank to enjoy the policy of halving income tax. In the second quarter, we will continue to focus on the hotspots and key points of our city's economic development, focusing on the construction of Linjiang Development and Development Zone and the construction of industrial concentration zones in our city, aiming at effective asset-backed enterprises. Grasp the traditional business development, increase support, try to expand the market, and strive for maximum benefits. At the same time, we must continue to strengthen various management, do a good job in all financial accounting during the year, try our best to control unreasonable expenses, oppose extravagance and waste, prevent running, taking, dripping, leaking, prevent all kinds of cases from happening, and strive for the best benefits. We will fully improve the capital adequacy ratio and various provision rates, and deliver a satisfactory answer to all shareholders.
3. Grasp the difficulties and seek breakthroughs, and strive to improve the quality of assets.
The quality of credit assets has always been the foundation of our bank's efficiency and has always been the foundation of our rapid development. In the second quarter, it is necessary to seize the favorable opportunity to withdraw more funds from the year-end enterprises, and to succumb to the live assets, one step will not loosen the bad, and strive for a double decline in the balance. First, we must pay close attention to standardizing the five-category credit classification, speed up the construction of the credit management system of the Bank, and provide scientific decision-making tools for strengthening credit management at an early date. Second, we must concentrate on the work of the central bank's special bills, and strive for the implementation of the central bank's financial support policies. The third is to control the generation of non-performing loans as the starting point, complete the clean-up of support enterprises, control enterprises, and compression enterprises, and lay a good foundation for further strengthening credit management next year.
4. Strengthen the image of propaganda trees and strive to create a development environment.
We must pay close attention to the preparations for the 10th anniversary of our independent business, design a series of publicity programs, engage in publicity and publicity, deepen, refine, and extend the image planning of ci, and promote the office space, office supplies, publicity materials, instrumentation, service terms, etc. Hardware and software are built on grades and have specifications. It is necessary to expand new ideas for quality and civilized services, strengthen the construction of the style of work, and shape the brand image, adding new vitality to the commercial banks.
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