Bank's third quarter work summary and fourth quarter plan
Since the third quarter, the Bank has continued to focus on the objectives and tasks of the second board of directors, clarifying work ideas, seeking truth and being pragmatic, strengthening management, coordinating development, and focusing on the expansion of organizational funds and market share. At the end of the month, the total amount of deposits exceeded 100 million 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.
Third quarter work and operations
By the end of September this year, the Bank’s RMB deposits were ××100 million yuan, an increase of XX million yuan over the beginning of the year, an increase of ××, of which savings deposits increased by XX million yuan compared with the beginning of the year, and the balance reached XX million yuan, an increase of ××%. The balance of public and other deposits was XX million yuan, an increase of XX million yuan over the beginning of the year.
The balance of RMB loans was ××100 million yuan, which was increased by XX million yuan compared with the beginning of the year, with an increase of XX%. Among them, the balance of agricultural economic organizations and farmers' loans was ××100 million yuan, which was XXX billion yuan more than the beginning of the year; the balance of private, private and joint-stock SME loans was ××100 million yuan, which was XXX billion yuan more than the beginning of the year; ××%.
At the end of the month, the balance of foreign exchange deposits in international business was XX US dollars, an increase of XX US dollars compared with the beginning of the year. The international settlement volume was XX million US dollars, an increase of XX million US dollars over the same period of last year, of which the export settlement amount reached XX million US dollars compared with the same period of last year, XX US dollars; the import settlement amount × 10,000 US dollars, an increase of XX million over the same period last year Dollar. The total amount of foreign exchange settlement and sales was XX million US dollars, an increase of XX million US dollars over the same period last year. The balance of foreign exchange loans was XX million US dollars, an increase of XX million US dollars compared with the beginning of the year; RMB packaged loans × × 10,000 yuan, an increase of XX million yuan compared with the beginning of the year.
At the end of September, the balance of non-performing assets × × 100 million yuan included the credit assets × × 100 million yuan, a decrease of × × 10,000 yuan from the beginning of the year, and the proportion of non-performing assets × × %, a percentage point lower than the beginning of the year. In the third quarter of this year, the comprehensive loan interest rate was ××%, an increase of one percentage point over the same period of last year. In the quarter, 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 share of total deposits in the whole city has dropped from the beginning of the year. 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. The tenth anniversary of the operation, the monthly number, 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 group the city's sub-branches according to the market share level and the economic environment in which they are located, and each of them will reach their respective target tasks. The bundled competition assessment will play a powerful role in promoting the increase of deposits and market share.
Secondly, through the queuing of the lower branches of the market share, the analysis of the weak assessment of the organization's financial work, the lack of incentives and other specific problems and deficiencies, on the day of the month, once again convened the market share in the town is lower than his line, the new year is less In his trip, the president of the branch, which has little assessment, held a live meeting at the XX 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 publicity atmosphere of the XX 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 XX branch to organize funds to implement open, fair and transparent assessment of the experience and strong assessment, expand share To promote the steady development of various businesses; the leaders of the sub-branches have come to the stage and said that they must be firm in their determination and confidence to carry forward the spirit of leadership, hard work and hard work; create a good publicity atmosphere, assessment atmosphere, fund-raising atmosphere, and create A new performance.
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 the month, total deposits increased by 100 million yuan from the end of the month, and the market share of deposits expanded steadily.
Participate in advanced education and support local efforts to improve.
In the third quarter, the time value × × 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 maintenance of party members advanced education activities 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: ××神龙蛇业,××九州果业,××华美生态园艺,××稷山鸡鸡,××澄禾Poultry industry, × × future garden, × × 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 the month, the bank's agricultural loan balance increased by 10,000 yuan at the end of the month, accounting for the city. Continue to maintain the absolute share of our bank's agricultural loans in the city.
At the same time, the party committee led the work of the small and medium-sized enterprise contact points identified by the “three ingress, three services”, which played a good leading role for the Bank to vigorously support small and medium-sized enterprises and strengthen market share expansion. 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 the month, the Bank supported private, private and joint-stock SMEs. × × a number of loans, the balance of the loan × × 100 million, an increase of × × 100 million than the beginning of the year, compared with the end of the month added × × 100 million. Among them, mortgage loans accounted for the first time in the proportion of total loans, reaching a percentage point higher than 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 special treatment in the latter part of the month. The organization's launch, special inspection and rectification summary work in all three stages.
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, looked for the crux of the problem, and sorted out the various aspects of the operation process, and made corresponding regulations, which promoted the institutionalization and standardization of accounting work.
Through the special governance of cases, credit management and operations were further standardized. 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, the Bank will, according to the general requirements of “finding the case, rectifying the standard operation, promoting business development, and enhancing the ability to prevent risks”, allocate the backbone of the city’s business and divide it into an inspection team for the whole city. 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.
The lectures were widely held and the level of financial services was 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 the month, 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. . 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 will promote the faster and better development of XX commercial banks. The 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 XX branch 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 XX. .
Fourth quarter work plan
In the fourth quarter, it was the sprint stage of the first year of the second board of directors. The stability of deposit growth in the first three quarters was insufficient, the progress of asset quality optimization was insufficient, and the core competitiveness of comprehensive profitability and capital adequacy. Need to further improve and other deficiencies, will continue to focus on the "share", "benefit", "risk" and "image" in the semi-annual work meeting to do a good job, to the independent business anniversary.
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 our bank to enjoy the policy of halving income tax. In the fourth quarter, we will continue to focus on the hotspots and key points of our city's economic development. We will focus 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 fourth 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. It is necessary to 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 anniversary celebration of our independent business, design a series of publicity programs, publicize publicity, deepen, refine, and delay image planning, and promote the hardware of our office, office supplies, publicity materials, instrumentation, service language, etc. , software construction grades, 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 XX Commercial Bank.
Third quarter work and operations
By the end of September this year, the Bank’s RMB deposits were ××100 million yuan, an increase of XX million yuan over the beginning of the year, an increase of ××, of which savings deposits increased by XX million yuan compared with the beginning of the year, and the balance reached XX million yuan, an increase of ××%. The balance of public and other deposits was XX million yuan, an increase of XX million yuan over the beginning of the year.
The balance of RMB loans was ××100 million yuan, which was increased by XX million yuan compared with the beginning of the year, with an increase of XX%. Among them, the balance of agricultural economic organizations and farmers' loans was ××100 million yuan, which was XXX billion yuan more than the beginning of the year; the balance of private, private and joint-stock SME loans was ××100 million yuan, which was XXX billion yuan more than the beginning of the year; ××%.
At the end of the month, the balance of foreign exchange deposits in international business was XX US dollars, an increase of XX US dollars compared with the beginning of the year. The international settlement volume was XX million US dollars, an increase of XX million US dollars over the same period of last year, of which the export settlement amount reached XX million US dollars compared with the same period of last year, XX US dollars; the import settlement amount × 10,000 US dollars, an increase of XX million over the same period last year Dollar. The total amount of foreign exchange settlement and sales was XX million US dollars, an increase of XX million US dollars over the same period last year. The balance of foreign exchange loans was XX million US dollars, an increase of XX million US dollars compared with the beginning of the year; RMB packaged loans × × 10,000 yuan, an increase of XX million yuan compared with the beginning of the year.
At the end of September, the balance of non-performing assets × × 100 million yuan included the credit assets × × 100 million yuan, a decrease of × × 10,000 yuan from the beginning of the year, and the proportion of non-performing assets × × %, a percentage point lower than the beginning of the year. In the third quarter of this year, the comprehensive loan interest rate was ××%, an increase of one percentage point over the same period of last year. In the quarter, 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 share of total deposits in the whole city has dropped from the beginning of the year. 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. The tenth anniversary of the operation, the monthly number, 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 group the city's sub-branches according to the market share level and the economic environment in which they are located, and each of them will reach their respective target tasks. The bundled competition assessment will play a powerful role in promoting the increase of deposits and market share.
Secondly, through the queuing of the lower branches of the market share, the analysis of the weak assessment of the organization's financial work, the lack of incentives and other specific problems and deficiencies, on the day of the month, once again convened the market share in the town is lower than his line, the new year is less In his trip, the president of the branch, which has little assessment, held a live meeting at the XX 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 publicity atmosphere of the XX 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 XX branch to organize funds to implement open, fair and transparent assessment of the experience and strong assessment, expand share To promote the steady development of various businesses; the leaders of the sub-branches have come to the stage and said that they must be firm in their determination and confidence to carry forward the spirit of leadership, hard work and hard work; create a good publicity atmosphere, assessment atmosphere, fund-raising atmosphere, and create A new performance.
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 the month, total deposits increased by 100 million yuan from the end of the month, and the market share of deposits expanded steadily.
Participate in advanced education and support local efforts to improve.
In the third quarter, the time value × × 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 maintenance of party members advanced education activities 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: ××神龙蛇业,××九州果业,××华美生态园艺,××稷山鸡鸡,××澄禾Poultry industry, × × future garden, × × 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 the month, the bank's agricultural loan balance increased by 10,000 yuan at the end of the month, accounting for the city. Continue to maintain the absolute share of our bank's agricultural loans in the city.
At the same time, the party committee led the work of the small and medium-sized enterprise contact points identified by the “three ingress, three services”, which played a good leading role for the Bank to vigorously support small and medium-sized enterprises and strengthen market share expansion. 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 the month, the Bank supported private, private and joint-stock SMEs. × × a number of loans, the balance of the loan × × 100 million, an increase of × × 100 million than the beginning of the year, compared with the end of the month added × × 100 million. Among them, mortgage loans accounted for the first time in the proportion of total loans, reaching a percentage point higher than 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 special treatment in the latter part of the month. The organization's launch, special inspection and rectification summary work in all three stages.
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, looked for the crux of the problem, and sorted out the various aspects of the operation process, and made corresponding regulations, which promoted the institutionalization and standardization of accounting work.
Through the special governance of cases, credit management and operations were further standardized. 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, the Bank will, according to the general requirements of “finding the case, rectifying the standard operation, promoting business development, and enhancing the ability to prevent risks”, allocate the backbone of the city’s business and divide it into an inspection team for the whole city. 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.
The lectures were widely held and the level of financial services was 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 the month, 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. . 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 will promote the faster and better development of XX commercial banks. The 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 XX branch 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 XX. .
Fourth quarter work plan
In the fourth quarter, it was the sprint stage of the first year of the second board of directors. The stability of deposit growth in the first three quarters was insufficient, the progress of asset quality optimization was insufficient, and the core competitiveness of comprehensive profitability and capital adequacy. Need to further improve and other deficiencies, will continue to focus on the "share", "benefit", "risk" and "image" in the semi-annual work meeting to do a good job, to the independent business anniversary.
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 our bank to enjoy the policy of halving income tax. In the fourth quarter, we will continue to focus on the hotspots and key points of our city's economic development. We will focus 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 fourth 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. It is necessary to 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 anniversary celebration of our independent business, design a series of publicity programs, publicize publicity, deepen, refine, and delay image planning, and promote the hardware of our office, office supplies, publicity materials, instrumentation, service language, etc. , software construction grades, 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 XX Commercial Bank.
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