Bank XX Branch XX Annual Work Summary

In XX, under the correct leadership of the branch and branch party committees, XX Branch earnestly implemented the spirit of the provincial and municipal branches' work conferences, and accelerated the effective development as the main line. With the goal of “deposits over 10 billion yuan and benefits exceeding 10 million yuan”, the mechanism was improved. Strictly control risks, strengthen marketing, and unite and struggle through the staff of the whole bank, overcome difficulties and improve operational efficiency, and successfully complete the tasks of higher-level banks, and promote the steady and steady development of all work of the Bank. The work of XX is summarized as follows:
First, the main results of XX years
First, deposits continued to maintain a strong growth momentum, and the results of increasing deposits and promoting efficiency were significant. At the end of December, the balance of various deposits was 10,000 yuan, a net increase of 10,000 yuan compared with the beginning of the year, an increase of 10,000 yuan over the same period of last year, and the completion of the annual assessment plan of the city branch was *%, and the net increase was 10,000 yuan. The increase in the total amount and the increase in the ten-day increase reached a record high. In the whole year, the amount of deposits reached 10,000 yuan, the monthly average reached 10,000 yuan, a net increase of 10,000 yuan over the same period of the previous year, and the income of financial institutions was 10,000 yuan, an increase of 10,000 yuan over the same period of last year, an increase of 70%, which made the whole bank turn losses and increase profits. Solid foundation.
Second, the credit asset structure has been significantly improved, and the credit supply has been further concentrated to excellent customers, gradually withdrawing from the “small and poor” inferior customers and effectively avoiding operational risks. At the end of December, the balance of various loans was 10,000 yuan, which was 10,000 yuan more than the net amount at the beginning of the year. Among them: private enterprises and individual loans * 10,000 yuan, down 10,000 yuan from the beginning of the year; company loans * 10,000 yuan, an increase of 10,000 yuan over the beginning of the year.
Third, new businesses such as insurance agents have entered the “fast lane” and are on a par with traditional business. At the end of December, the agent premium income was 10,000 yuan, and 150% of the plan was completed by the city branch. Among them: life insurance agency premiums * 10,000 yuan, an increase of 10,000 yuan; agency property insurance * 10,000 yuan, an increase of 10,000 yuan; realized fee income * 10,000 yuan, an increase of 10,000 yuan, completed the city branch issued a plan 113% . The accumulated agency fund is 10,000 yuan, and the accumulated sales of government bonds is 10,000 yuan.
The fourth is to complete the task of collecting bad assets on time, and the “double down” of non-performing assets has achieved initial results. At the end of December, the interest rate of non-performing loans was 10,000 yuan, including: clearing the principal interest * 10,000 yuan, completing 100% of the annual task; disposing of the debt assets * 10,000 yuan, completing the annual task ×%; , complete the year-round task ×%. At the end of the year, the balance of non-performing assets was 10,000 yuan, accounting for *%. The non-performing loans showed a trend of “double down”. The balance of non-performing loans decreased by 10,000 yuan from the end of the previous year, and the proportion of non-performing loans decreased by * percentage points from the end of last year.
Fifth, the intermediary business continued to develop rapidly, and the financial contribution rate was further strengthened. At the end of December, the income of the intermediary business of the whole bank was 10,000 yuan, accounting for *% of the total income, an increase of 10,000 yuan over the same period of the previous year, an increase of × percentage points.
Sixth, interest income continues to maintain effective growth. At the end of December, the whole bank received interest of 10,000 yuan, including: corporate, private and individual loans, interest income of 10,000 yuan, non-performing loans, interest collection * 10,000 yuan.
Seventh is the comprehensive indicator of the completion of operating profit and loss. At the end of December, the book loss for the whole year was 10,000 yuan, a year-on-year loss of 10,000 yuan, excluding the interest of 10,000 yuan before the digestion of XX yuan, the loss of the debt assets disposal * 10,000 yuan, operating profit of 10,000 yuan, super plan * 10,000 yuan Year-on-year increase of *10,000 yuan.
Eighth, the creation of spiritual civilization and the gradual achievement of excellent activities have achieved good results, and a number of advanced collectives have emerged. In the first quarter of the “opening the door” competition organized by the city branch, the Bank won the second prize of the sub-branch, and the business won the second prize of the division. The sales department was awarded the honorary title of “Women's Civilization Demonstration Post” by the provincial branch; the subsidiary life insurance premium The completion rate of marketing and premium income ranked first in the city; it won the third place in the “Inner Control Knowledge” competition organized by the Banking Regulatory Bureau; and the third place in the “Financial Products Knowledge Popularization” competition organized by the city branch.
Nine is "safety is the benefit", and the awareness of internal control management is further strengthened. The rate of various cases in the whole year is zero, and the good situation of CCB's 52 years of safe operation without liability accidents and cases continues to be maintained.
Second, the main practices:
First, the strong marketing of debt business, further enhance the financial strength, to achieve significant results in increasing deposits and increasing revenue. The first is to unify thinking and act early. In XX, the whole bank was based on the work of increasing the efficiency and increasing efficiency, increasing the number of work in advance, and organically combining the high-quality civilized service activities of “Welcome the New Year” with the “opening the door” in the first quarter, highlighting the “heart-to-heart service, spring to Wanjia”. The theme, early arrangement, preemptive machine, strong propaganda, comprehensive marketing campaign, to achieve a "open door." In the first quarter, the deposits increased by 10,000 yuan compared with the beginning of the year, laying a foundation for the annual deposit growth. The second is to grasp the key points and seize the market. Taking the agent pension fund as a breakthrough, innovating service methods, improving service quality, providing customers with humanized, caring and careful services, helping customers manage their finances, maximizing customer benefits, and consolidating old customers and developing new customers. It will promote the effect of “dive” customers and effectively promote the rapid growth of deposits. The annual financial flow of funds reached 10,000 yuan, and the amount of pensions for pensions was more than 10,000 yuan. The third is to grasp the maintenance of key customers. Establish large customer files, gradually implement differentiated services, and cultivate loyal customers. We will implement marketing activities for street marketing and promote “carpet-style” marketing to consolidate and develop our bank's monopoly position in the regional financial system. The fourth is to highlight the big backbone of the block, monopolize the important deposit markets such as urban areas and towns. Highlight the advantages of ABC's brand and achieve scale effect. In XX years*, the city and * branch office net deposits increased by 10,000 yuan, accounting for 84% of the bank's net increase. The fifth is to implement a salary assessment and division, encourage advanced, and spur backward. According to the scale of business outlets and per capita deposits, the salary bases of different grades are set. At the same time, according to the net increase of people, the wages will be upgraded to a grade, and the wages will be upgraded one level earlier. Through incentives, we guide employees from passive to active, from “make me do” to “I do”. The sixth is to highlight the image of the Agricultural Bank of China and seize the surrounding markets. By grasping the quality service, carrying out the consultation and publicity on the street, pulling the banner tree slogan, visiting the client to send the Spring Festival couplet, etc., the good social image of the Agricultural Bank of China is deeply rooted in the hearts of the people, forming a service centered on the town and surrounded by towns such as the surrounding towns. range. Through the increase of the annual income, the company realized income of 10,000 yuan, an increase of 10,000 yuan over the same period of last year, an increase of 70%, making an important contribution to the Bank's financial losses.
Second, moderate marketing assets business, gradually withdraw from the "small gap" and other inferior customers, to seize the excellent customer market. In the face of the policy of macro-control and credit total control, combined with the current economic environment of the district, we first develop the personal credit market steadily, accelerate structural adjustment, continue to support high-quality customers in the individual and private economy, and gradually withdraw from the “small gap”. personal account. At the end of XX, the private enterprise and individual production and operation loans were only 10,000 yuan, down by 10,000 yuan from the beginning of the year, and gradually eliminated a group of customers with small capital flow, poor operating efficiency and low credit. The second is to seek the credit management system requirements and the needs of business development as a breakthrough point, continue to vigorously support and develop private enterprises of a certain scale. For the Star Enterprise* Co., Ltd. in the management area, the sub-branch actively intervened and strictly applied the credit rating according to the new credit rules, and actively applied to the city branch for the scale of the letter of 10,000 yuan, and injected liquidity of 10,000 yuan in the fourth quarter. Through the establishment of the SME financial service project library, we will solve the dilemma that restricts the development of our bank's credit business, and seek and realize the path of asset business development that is suitable for the actual business. The third is to strengthen the monitoring and management of overdue loans, establish a system of early warning collection, non-performing loans, etc., and try to repay the amortization method according to the risk situation, prevent the bad credit assets from happening in the first place, strictly prevent the occurrence of non-performing loans, and ensure zero records of non-performing loans. The fourth is to strengthen post-loan management. Every time a loan is issued, it is necessary to implement a post-loan tracking management to improve the quality of post-lending management, implement the responsible person of the account, and establish a system of accountability.
Third, to strengthen the work of clearing and revitalizing the work, multi-methods, and clearing and revitalizing to achieve phased results. The first is to unify understanding and clear ideas. Aiming at the fact that our bank has a high proportion of non-performing assets, heavy tasks, small collection space, few people, and a particularly bad credit environment.

In the meantime, the sub-branch will take the work of clearing and revitalizing work as a "life project", and establish a pattern in which the top leaders will be fully grasped, and the governors will be specifically arrested, and the clearing and revitalizing departments will be specifically arrested and assisted by other departments. Second, under the pattern of vertical professional management of non-performing assets, we will introduce supplementary rewards and punishments in a timely manner, and work hard to ensure that the work is carried out. Real-time monitoring of the collection and revitalization, regular notification, clear principles, objects and scope of collection and reward, set up a special prize for clearing and revitalizing, and implement the reward method of “no bottom guarantee, no top seal” for the collection personnel. The third is to continue to implement the system of closing and revitalizing the president, the system of responsibility for the president, and the accountability supervision system for clearing and revitalizing work. The agreement signed by the sub-branch will be carried out in a timely manner, and the contractors will follow up the work in a timely manner, implement regular accountability, report the results, and urge the implementation to be in place. Basically, it has achieved the "four fixed three guarantees" that is the target, the time, the fixed measures, the rewards and punishments, the implementation of the package, the management of the package, the clearing of the responsibility system, and improve the efficiency of the work. The fourth is to increase the disposal and management of debt-to-debt assets. This year, the branch successfully disposed of 5 debt-to-debt assets, disposed of the amount of debt-to-debt assets of 10,000 yuan, disposed of the transaction amount of 10,000 yuan, and the asset disposal rate reached 100%. In the process of disposing of the debt-to-debt assets, in accordance with the requirements of minimizing the loss maximization loss, the whole process of disposing of the debt-receiving assets is carried out in the sunshine, and the transaction price is higher than 6% of the approved disposal price, so that the loss of the debt-reducing assets is reduced to a minimum. The fifth is to use the living and collecting policies to tighten the scale. In the actual operation, the Bank accurately grasped the policy principles and comprehensively applied various policies such as debt repayment, ex-economy relief, and write-off of bad debts, giving full play to the positive role of the policy and maximizing the recovery of the principal and interest of non-performing loans. For example, in the collection of non-performing loans of * and * factories, the bank's clearing staff carried forward the spirit of "not easing the green hills and not relaxing". The company is arguing for the company, has repeatedly visited the door, communicated with many parties, and used the policy to finally recover it. Loan principal and interest * million yuan, * factory loan principal * million yuan. The sixth is to further strengthen the management of risk assets and safeguarding rights. The company shall issue a notice of timely receipt of the overdue loan to the enterprise, and require the borrower to sign and seal the notice, confirm it, so that the statute of limitations can be continued, and the borrower who refuses to sign the third party shall be present to testify. The record is also issued by a notary public through the participation of a notary public to ensure the legality of timeliness and the security of credit assets. In the whole year, the principal interest was 10,000 yuan, and the debt-receiving assets were 10,000 yuan. The total non-performing assets fell by 10,000 yuan, a decrease of * percentage points.
(4) Vigorously develop intermediary business and gradually increase the financial contribution rate of intermediary business income. The income of the intermediary business of the whole bank was 10,000 yuan, an increase of 10,000 yuan over the same period of last year, accounting for x% of total revenue, and increased by × percentage points. It contributed to the completion of financial indicators, and the intermediary business has become one of the effective ways to reduce losses and increase efficiency. The first is to accelerate the development of insurance agency business. The insurance agency business is regarded as the main product of the business, and the system marketing is implemented. The development of the insurance agent and the mortgage property legal person and the personal loan customer insurance insurance resources are highlighted. The second is to seriously carry out the "six-position" work. That is, "doing a good job of recognizing the position, the personnel are in place, the tasks are in place, the incentives are in place, the staff training is in place, and the featured propaganda is in place." The third is to establish and improve the insurance incentive business assessment and incentive mechanism. That is to say, according to the insurance income 1:1, the deposit assessment is carried out; the fee income is strictly redeemed to the individual; the foreign-invested agency insurance property insurance portion increases the marketing expenses according to the 2% standard. The fourth is to strengthen the marketing of bank cards and maintain the good momentum of bank cards. We will focus on three major areas of marketing, comprehensive fees, and specialized operations, and strive to promote the transformation of the card business from quantity expansion to quality and efficiency. The bank card business revenue grew rapidly, and the annual fee income was 10,000 yuan, an increase of 10,000 yuan over the same period.
Third, safeguard measures
(1) Strengthen the basic management of accounting and do a good job of the “year of internal control”. XX years is the "year of implementation of the system." First, focus on the basic management of financial accounting, and earnestly implement the basic management construction project. Under the premise of unifying, standardizing the system and operational procedures, and perfecting the post restriction mechanism, the main focus is on grasping the implementation of the system and severely investigating and handling illegal operation. Grasp the risk control and prevention of key departments, key links and key positions. In combination with the problems found in internal and external inspections in recent years, we have targeted the rectification of weak links. We attach great importance to the institutional constraints under the existing network technology conditions and business innovation process, adhere to the principle of system first, strengthen the computer security system and the construction of new business systems associated with it, and strive to control operational risks. Second, the financial and accounting supervisors of the sub-branches conduct a quality inspection of the financial assets of each outlet every month. The inspections must have records, notifications, measures, rewards and punishments. The inspection surface is 100%, and the supervision report is issued. The third is to enhance the self-regulatory awareness of the class teachers and front-line operators at each network point, to shift the focus of supervision, to enhance the responsibility and to continuously improve the management level. Combine routine inspection with special inspection, strengthen the monitoring of key items and important links such as financial revenue and expenditure, payment and settlement, current account, cash on hand, and effectively avoid financial risks.
(2) Deeply implement the new credit rules, strengthen post-loan management, and resolutely control the risks of new credit assets. Standardized management has always been the basis and premise for accelerating development. Especially based on the historical background of the poor quality of credit assets and the urgent need for the restructuring and listing of agricultural banks, the expansion of asset business must be more risk-based. The new credit rule is a programmatic archive of credit management and must be implemented without compromise. First, strict credit access management. Credit access management must adhere to a unified standard and a unified calibre. It is strictly forbidden to reduce the conditions for customer access, so that it is better to avoid abuse and ensure the effective allocation of credit resources. The second is to strictly authorize the management system, standardize the operational procedures, and strictly enforce the system of separation of loans and parallels. Do not operate the credit business more than program and reverse program. Strengthen the customer department and account manager's dedication and due diligence, and strictly enforce the access conditions. Comprehensively and truly reflect customer information, improve professional ability, and resolutely avoid subjective randomness and "tailor-made" habits. The credit department must strictly review credits, use various credit requirements as the sole criterion for measuring customer involvement, carefully control the policies, conscientiously perform review duties, limit the speed of completion, standardize and refine the operation procedures of the loan review, and strive to improve the efficiency of loan review. The third is to strengthen the management of loan maturity recovery. Established a phased recovery mechanism for loan term management, strictly controlled loan extension, borrowed new and old, and standardized recovery of refinancing behavior. The fourth is to strengthen the responsibility management after the loan. XX is the key year for the implementation of post-lending management projects. We have established a risk warning and handling mechanism to standardize and implement the account manager's regular contact and coordination system, the risk manager's regular risk analysis and early warning system, and the post-loan management periodic reporting system to implement the responsible person. Responsibility investigation work fundamentally solves the problem that the operation and decision-making process are not standardized, and the post-loan management responsibility is not implemented.
(3) Strengthen the construction of internal control system and improve the case prevention system. First, firmly establish the awareness of "security is efficiency", focus on preventing and punishing cases, carry out in-depth rules and regulations education and warning education activities, and implement the responsibility system for case prevention work. In March and June of XX, the “Case Education Month” and “Safety Education Month” activities were carried out respectively. The study focused on learning various rules and regulations and cases in the form of centralized learning, special counseling, and opening symposiums, and improved employee anti-corrosion. The ability to refuse to change, to cultivate the professionalism of employees, dedication and dedication, to correct the style of work, to establish a righteousness. Second, in-depth supervision of the department's self-regulatory law enforcement, focusing on strengthening the prevention of corruption at all levels and in all aspects, and strengthening the inspection of the loan business and the purchase and construction of bulk goods and risk asset management systems, and increasing the prevention of cases and Investigate the strength. The branch supervision department organizes personnel to carry out targeted law enforcement supervision.

Strengthen the re-supervision of self-regulatory supervision. Third, continue to prevent robbery, anti-theft, anti-fraud, especially anti-tickets, bank card fraud as a safety focus, and constantly improve the ability to prevent high-tech crime. The fourth is to fully implement the work responsibility system and accountability system, strengthen the responsibilities of the functional departments, do a concerted effort to jointly manage, jointly guard against, escort for the steady operation of the business, and maintain the good results of the Bank's CCB no liability accidents and cases.
(4) Strengthen financial management and strive to increase revenue and reduce expenditure. First, organize accounting in strict accordance with the principle of accrual, and put all income into the core calculation of accounts, to prevent the phenomenon of “counterfeiting” of financial income. Strictly implement the "* Bank Financial Management Measures", meeting fees, business hospitality fees are reduced by 20% year-on-year, strict special expense management, and quota control for public and miscellaneous fees, telephone charges, and travel expenses. The second is to compress low-profit, non-profit funds. The company implemented proportional control on the cash at the outlets of the business outlets, strengthened the cash management of the large banks, and cleaned up the banknotes, the whole point, and the work of the deposits. The bank's cash on hand was controlled within ×% of the total deposits. The third is to strengthen capital operations and tap potential benefits. By monitoring the status of funds, analyzing the supply and demand of funds, grasping the direction of capital investment, making full use of the time difference of funds, and making flexible allocation and use of funds. In the whole year of XX, the amount of deposits reached 10,000 yuan, with an average monthly income of 10,000 yuan, a net increase of 10,000 yuan over the same period of the previous year. The income of financial institutions was 10,000 yuan, an increase of 10,000 yuan over the same period of last year, an increase of 70%. Ying has a solid foundation.
Fourth, the existing shortcomings
Looking back at the work of XX, although it has achieved good results, there are still some shortcomings, mainly in:
First, the traditional business operation mode still dominates, which restricts the development of the business to some extent. At present, apart from the implementation of the teller system in the sales department, the rest of the outlets are still double-entry bookkeeping and double-checking. The queues often occur when customers handle business. Especially when the retired employees are paid, the normal business cannot be carried out at all. The customer therefore transferred to his bank to open an account. Some outlets are overwhelmed, and there is a phenomenon of rushing customers in disguise.
Second, the work style of the government departments is procrastinating, and the style of work is not real-time. First, the staff of the organs are poorly self-disciplined, and it is difficult to change the phenomenon of unclear personnel during the working hours, and it is difficult to change the situation. The grasping is tight and the old ones are restored. Second, the work of the branch arrangement can be delayed and perfunctory. Third, there is a disconnect between the coordination between departments, and it is always necessary for the leaders to personally ask questions before they can do well.
Third, the benign development of asset business is difficult and the effective income growth is insufficient. First, there are few excellent customers, and the scale of private and private enterprises is small. Under the background of macro-control and total credit control, customers themselves cannot meet the entry conditions and want to enter and enter. Second, the cost of the customer loan is higher, the procedures are cumbersome, and the loan marketing is affected. Some of the good customers therefore voluntarily quit, no longer borrow from the bank, and turned to private capital lending. Third, the proportion of non-performing assets is too high, and the collection space is getting narrower and narrower. With the *reformation fully in place, most of the corporate loans of * belong to bad debts and dead accounts, and it is impossible to collect them. * Agricultural loans have also been vacant with the implementation of the tax reform policy, losing the carrier of clearing the principal and interest, which seriously restricts the growth of effective income.
In the new year, we will continue to accelerate the effective development as the theme, continuously overcome our own shortcomings, innovate the operating mechanism, strengthen internal control management, strictly control operational risks, fully tap the potential of human resources, and ensure the steady and sustainable development of various businesses. Better results.