In, under the correct leadership of the Party Committee and President's Office of the superior bank and sub-branch, the business department took rallying people's hearts as the driving force, innovative service as the starting point, bold management, seeking truth and being pragmatic. Successfully completed the tasks assigned by the sub-branch, the company's deposit time was RMB X million, a net increase of RMB X million compared with the beginning of the year, the average daily deposit was RMB X million, and the savings deposit was RMB X million. The work of the past year is summarized as follows:
First, unite people and build a high-quality team.
Thought is the guide to action. If people are distracted, nothing can be done. A group of people in the sales director's office have a deep understanding of this, so we will put cohesion in a prominent position.
1. Take the lead in setting an example, correct yourself first, and a group of people in Director X's office set an example, strengthen their study and be typical advocates, organizers and practitioners of learning. Be a teacher by example, be honest, diligent and cultivate one's morality, and influence every employee with his own quality. Always adhere to the principle of fairness and justice in the work, do not engage in personal relationships, do not pull gangs, and achieve a bowl of water. Encourage employees to give more opinions and adopt them as long as they are reasonable. Fully mobilize the enthusiasm of employees to participate. On the sensitive issue of performance distribution, we should be open and enhance transparency. Ensure that every employee sees peace of mind and feels comfortable.
2. Give full play to party member's exemplary leading role. There are X employees in the sales department, among whom X are from party member. Party member's role among the masses is particularly important in the sales department. The Party branch of the Division analyzes the objectives and tasks assigned by the sub-branch, unifies the understanding, ensures that every party member is a benchmark, and gives full play to the role of the grass-roots Party branch as a fighting fortress. Under the exemplary role of party member, actively cultivate reserve forces and attract outstanding employees to move closer to the organization.
Second, excellent service and successful strategy.
Service innovation is the eternal theme of bank work. Only by strengthening services can we win the market and create benefits. A group of people from the office of the director of the business department responded to the call of the municipal branch and Rugao municipal government and actively participated in the establishment? Civilization and integrity? In the window activities, the service level of the sales department will rise to a new level. The advanced practice of our department has been reported in _x News and _ Daily. Reprinted by the provincial network news.
1. Do a good job in employee professional ethics education. Director's office created? A window of civilization? Taking this as an opportunity, we will regularly organize employees to learn rules and regulations such as service code of conduct and service standards. Constantly standardize the service words and deeds of employees and urge them to strictly abide by them? Do eight things, nine things, ten things? Do you really advocate customers as parents? Heart? Service, treat customers as relatives and friends. Can employee zhangyan be used as a standard in counter service? Three times, two stops, one smile? Many times in the city branch of unannounced visits to be commended.
2. Do a good job in the assessment and incentive mechanism. First, establish a reward and punishment file for employees' high-quality and civilized service, and include employees' service performance in the annual evaluation and selection, which enhances employees' awareness of hardship and service; The second is to establish an assessment mechanism linked to service quality and business volume. Do more and get more, do less and get less? The fair competition mechanism has formed the employees of the whole bank? Fight for it? 、? Rob dry? It is in good operating condition. The third is to establish an audit mechanism for outlets, account managers and customers. The person-in-charge of the outlet will assess the warehouse keeper and teller, the customer and account manager will assess the counter receiver, and the accounting counter receiver, cashier counter receiver and warehouse teller will each select 1 advanced service, which will be rewarded every quarter. The fourth is to set up a reward fund for high-quality and civilized services to commend the advanced and spur the backward.
3. Do a good job in the service of relevant departments. The business department is not only an independent service department, but also the hub of branches and outlets. First, actively cooperate with the account manager to make various loans and withdraw funds. In August this year, I actively cooperated with the account manager to handle the factoring business of _ million, and achieved economic benefits of _ million. The second is to serve the grassroots outlets well.
Third, seek truth from facts and be brave in expanding the market.
? Development is the last word? . Without the development of the market, everything will be impossible. At the beginning of the year, in the spirit of market-oriented, service-oriented and customer-centered, the director's office established the working idea of asking for deposits from the market and digging deposits from other banks in combination with the specific situation of the business department. Lock on to the target and don't stop until you reach it.
1. Comprehensively straighten out the position of the account opening unit in the sales department. Set up a big account and visit regularly. The competition of modern banks is the competition of products and services. The business department provides personalized services according to different customers, and continues to provide on-site services to large customers such as people's hospitals, salt companies and Chinese medicine hospitals, and recommends fast online banking settlement methods to units with frequent settlement. At present, an online bank account has been opened.
2. Fight for service and be better than others. _ The company is the customer I won over in August. As a banker, you should have a sense of professional sensitivity. When the director's office learned that the boss of businessman X 14 had raised funds to prepare the property rights of the group, it immediately inquired about it in many ways and got in touch with others, and introduced our service and settlement advantages to them in order to win the trust of others in good faith. On August 8th, I decided to open an account in our department and put in _ million registered capital.
3. jointly tap the source of deposits. Arrange the week with strong activity ability to specialize in marketing, effectively enriching Public Offering of Fund's strength. At the same time, employees are encouraged to make suggestions. And formulated incentives, which effectively stimulated the enthusiasm of employees to pull deposits. Employee _ takes advantage of his lover's relationship in the army and takes the initiative to collect 1.5 million yuan.
4. Actively cooperate with the account manager to do a good job in service. In August this year, _ Group was forced to change its system due to poor management, which involved related issues such as loan transfer of our bank. Our department actively cooperates and is responsible for helping to solve relevant procedures. Only in this way can our assets be protected. Newly registered _ Co., Ltd. invested a registered capital of 2,654,380+0.58 million for the first time.
Fourth, the combination? Mine clearance project? Strengthen internal control management.
What is the business department determined by the branch this year? Minefield? It's bad for our sales department, but it's also a good thing. This fully reflects the attention and concern of the party Committee and the president's office for the work of the sales department. Taking this as an opportunity, the business department comprehensively sorted out all the work and strengthened internal management.
1. Ideological emphasis on strengthening management. A group of people in the director's office set an example. Familiar words? Do you still need to be hard when you strike the iron? . A group of people in the director's office took the lead in learning the system and operating procedures. Become a model of implementing the system and set an example for employees. He Jun, the director of internal affairs, is never careless about the business that needs authorization, and always carefully verifies the authorization.
2. Strengthen the ideological education of employees. What's the first one? Mine clearance upgrade? The content of the activity is communicated to every employee, so that everyone knows it. The second is to eliminate ideological concerns and guide employees to actively cooperate with self-examination and self-correction to eliminate hidden dangers.
3. Inspection and supervision are in place. Compare carefully? Mine clearance upgrade? The chief accountant and the back office director are required to check every time according to the system, and the problems found are limited to timely rectification. Do it. Iron core and iron fist? Promote the standardized operation of employees according to the system. The personnel of this battalion have changed frequently this year, but the inspection, supervision and handover can keep up in time to ensure a safe transition.
4. Pay attention to safety precautions? Three defenses and one insurance? Always persevere in your work, always talk about Kan Kan at every meeting and stick to it? Take precautions to ensure safety? Guiding ideology, strengthen the reconciliation between banks and enterprises, and the recovery rate of statements reaches 86%. Through a series of measures and work, the accounting quality of the division has been greatly improved, and there has been a good situation in which there are no mistakes in the whole division for three consecutive months and no economic case safety accidents throughout the year.
After a year's hard work, the business department has formed a rope, and all employees have a good game of chess, unity and cooperation, and their enthusiasm for doing work and doing business is unprecedented. I believe that with the care and support of the Party Committee and the President's Office and the joint efforts of all staff, the business department will move towards a more brilliant tomorrow!
Summary of bank president's work II
Looking back on the experience of fighting and struggling with everyone in the past few years, we have gone through an extremely difficult course. Below, I will briefly report my work in recent years from three aspects.
First of all, clear working ideas and establish business strategy.
Do a good job in propaganda and unify the thinking of the whole bank.
At the beginning of the year, affected by the separation of agricultural development bank and credit cooperatives, the people of the whole bank were unstable and the employees were depressed. I organized a group of Party committee members to seriously review their past work. While fully affirming the experience and achievements, we also found some problems such as loose internal management and no goal. On the basis of concentrating opinions from all sides, the general policy of all work is put forward, namely? Strengthen management, strictly manage industries, lay a solid foundation and create famous brands? .
In order to unify the thinking of the whole bank, over the past few years, we have issued? Strengthen management, strictly manage industries, lay a solid foundation, create famous brands, and create a new situation in all aspects of work? General mobilization; At the deposit work meeting, it will be distributed to the whole bank. Aim at the advanced, tap the potential, rally, work hard, and seize the commanding heights of deposits with a brand-new mental outlook and posture? Battle slogan; On all general party membership meeting, what was sent out? Members should step forward and stand in the forefront of the construction of two civilizations and workers? A loud call. At the mobilization meeting of professional ethics education attended by all employees, it was issued? Love your job, obey the law and be a qualified X-ray employee? Strict requirements. Through launching at different levels, the cadres and workers of the whole bank saw hope, enhanced their sense of urgency and crisis, and fully realized that only hard work can make a living. Leaders should be upright, employees should be ambitious, the team should have morale, and the knowledge of becoming famous in X line should be firmly rooted in the hearts of every employee; X wants the last stop, X wants pedestrians to stand tall, X wants this team to be stronger, X wants this brand to be brighter, and the determination is turned into the practical actions of every employee.
Second, clear the main target and implement the famous brand strategy.
Highlight the key points of work and promote business development
1. Take savings deposits as a breakthrough and strive to improve the debt structure.
At the beginning of the year, two difficulties restricted the bank's business operation. First, the fund is insufficient, the position situation is grim, and the loan-to-deposit ratio case is unbalanced. At that time, more than 230 million yuan was borrowed from inside and outside the system, up to _% in loan-to-deposit ratio. Second, the quality of credit assets is low and the level of interest collection is not high. At the beginning of the year, I organized members of the leadership team to make a careful analysis of the situation at that time, and finally reached an understanding of * * *, and confirmed it? Taking savings deposits as a breakthrough to promote various business operations? We put forward the slogan of implementing the famous brand strategy, and combined with the actual situation at that time, gave the famous brand three simple contents, namely, shaping the image, increasing the function and improving the efficiency.
Around the above ideas, starting with strengthening the software and hardware construction of savings offices, five savings offices, including the central savings office of the business department, have been reformed successively, which has greatly improved the operating environment and conditions. At the same time, quality and civilized service have been strengthened. The detailed rules for civilized and high-quality service of business window have been formulated, which have been strictly standardized from environmental facilities, instrument behavior, language cultivation to quality and efficiency. Taking the central savings office of the business department as a breakthrough, we have carried out all-round innovation and transformation from service time to service facilities, from service environment to service means. Subsequently, various localities have launched innovative measures to make bold innovations in service concepts, environment, facilities, functions, means and time. _ Finance newspaper once used a long space to report our bank's behavior in the headline position of the second edition. Gold-lettered signboard in the hearts of depositors? . _ Times also reported this story.
Through the implementation of the famous brand strategy, the bank's savings and deposits work quickly opened up the situation and continued to maintain high growth. Over the past X years, * * * has increased deposits by more than X billion yuan and paid off 230 million yuan of loans inside and outside the system. The case of loan-to-deposit ratio has been controlled at an ideal level. During this period, we also created many financial systems, even the first in the Agricultural Bank of Liaoning Province. For example, in the financial system, 24-hour service and bullet-proof car door-to-door service were first introduced, and the central savings office took the lead in stepping into the ranks of 100 million yuan savings offices among county-level banks in the province's X-ray system.
2. Focus on credit management, strengthen infrastructure construction and strictly regulate management.
First of all, strict rules and regulations, in strict accordance with the requirements of the specification. Over the past few years, we have strictly implemented the loan approval procedures, and every procedure has been strictly controlled. * * * The approval materials were returned to the place by the Credit Management Department to re-perform the formalities or fill in more than 60 times, and were returned to the Credit Management Department by the vice president and president for more than 20 times.
Third, the current situation of work
1. Various deposits have increased substantially, and the financial strength has been continuously enhanced. * * * Increase deposits by X billion yuan, accounting for _% of the total deposits recovered by X Bank in 265,438+0 years, with a balance of X billion yuan. Not only did it pay off the internal and external loans of X billion yuan, but the maximum deposit in the superior bank reached more than X billion yuan, and the debt structure was optimized.
2. Credit management tends to be standardized and the loan structure is constantly optimized. * * * Increase loans by more than RMB X billion, put in loans by RMB X billion, and issue bank acceptance bills by RMB X billion, all of which were invested in enterprises with high credit ratings for small-sum pledge loans. At the same time, non-performing loans fell sharply. After deducting the factors that have been issued, non-performing loans were revitalized by X billion yuan, and the quality of loans was greatly improved.
3. The new business is developing rapidly, and the service field is expanding. After four years' efforts, the international business has occupied half of donggang city from small to large. At the end of the year, the balance of foreign currency deposits reached $ X billion, and the amount of international settlement reached more than $ X billion. Intermediary businesses such as collection and payment, agency, etc. have also grown from scratch. Through rectification, the credit card business has also embarked on a stable and standardized road, with the number of cards issued reaching X and the balance of deposits reaching X billion yuan.
4. The operating conditions are constantly improving, and the economic benefits are increasing year by year. Especially in the past two years, the efforts to reduce losses have been increasing, and the effect of increasing income and reducing expenditure has been remarkable. In 2000, it realized interest income of X billion yuan and reduced losses of X billion yuan, which was commended by the provincial bank. In 2000, more than 200 million yuan of credit assets were divested, and the interest income was X million yuan, a loss of X million yuan compared with the previous year.
5. Significant progress has been made in building spiritual civilization. The party Committee was commended by the municipal party Committee? Advanced Party Committee? , the city branch has been awarded the title of advanced unit for rectification, model unit for safety and civilization, and model unit for health by the municipal government for many times. The central savings office of the business department has successively won the head office? Top ten savings offices in China? And then what? National youth civilization number? Title: The business department was rated as an advanced unit of window service by the provincial bank and won the provincial women's Federation? March 8th community service post? Title; _ The savings office was awarded the Youth Civilization by the provincial bank, and _ was awarded the prize-winning unit of the window civilized quality service competition by the municipal branch; Wait a minute.
Summary of bank president's work 3
In the past 20 years, _ Sub-branch has achieved the following annual business indicators closely around the guiding ideology, work objectives and work deployment of the Head Office and in combination with the actual operation of the sub-branch:
I. Completion of main business indicators:
? In the past 20 years, the bank's corporate deposit balance was184.97 million yuan, a decrease of 37.95 million yuan compared with the beginning of the year, which failed to complete the annual task well and 50% of the annual task? Corporate customer loans increased by 283.26 million yuan (including small enterprises), accounting for% of the annual tasks, including working capital loans increased by 57 million yuan and project loans increased by 226.26 million yuan;
? A total of RMB 26,543,800+0.4 million was issued for trade financing in the whole year.
? Twenty-eight corporate settlement accounts were opened, and two new accounts with more than 5 million customers were added, completing 27.5% of the annual tasks.
? Total personal loan120,000 yuan, accounting for 80% of the annual plan. The company's wealth management products sold 70 million yuan, completing 87.5% of the annual tasks? The bank acceptance bill was issued at RMB 6,543,800+0.95 million, and the bank acceptance bill was discounted at RMB 200,000, which completed 50% of all tasks.
? The income from intermediary business reached 1 10,000 yuan, accounting for% of the plan, an increase of% over the same period last year.
Second, the main work throughout the year
1 and 20_ years, the Bank adhered to customer-centeredness, adjusted its business structure, and further intensified its marketing efforts. After a year of unremitting efforts, all the indicators have been well completed. In view of the lack of resources, banks work hard? Develop new customers as the goal, dimension
Focus on protecting customers? Carry out business development. In the marketing process, we should break geographical restrictions, capture all kinds of information in time, solve the problem of insufficient customer resources from the source, and constantly expand marketing channels. With a solid and effective work style and good professionalism, it won the recognition of customers and made a historic breakthrough in the issuance, discount, corporate finance and personal business loans of _X Sub-branch.
2. Divide the SME loan market, find target customers, conduct targeted publicity and marketing, and gradually cultivate our asset business customers. Focus on small enterprises that conform to industrial policies and have development prospects. In response to the requirements of city branches to promote the specialized commodity market and increase financing, the Bank carefully studied the management methods of personal business loans in the specialized market, innovated the loan model, and handled the first personal business joint guarantee loan with the active support of the branches, which was well received by customers and the market. It provides a reference for the branch to promote personal loan joint guarantee in the professional market.
3. In the case of tight asset scale, do not give up the reserves of various resources, maintain the high efficiency of asset quality, do a good job in tracking and checking each loan, and effectively grasp the operating conditions of customers. By the end of the year, there were no overdue and non-performing loans.
4. Strengthen management and expand intermediary business through multiple channels. Since the beginning of this year, the Bank has continuously improved the bargaining power of asset business, bundled a number of products such as investment banking financing advisory services, corporate financial advisory services and cash management services, and strived to realize the income transformation of the Bank's intermediary business.
Deficiencies in the work of sub-branches:
First, the training of cadres and employees is weak, the learning atmosphere is not good, and there is widespread fear of difficulties in emerging businesses, so that the efficiency in specific business operations is relatively low.
Second, the team construction of account managers is poor and the professional quality of account managers is low. They only stay in some traditional businesses and can't adapt to the development of new businesses. Third, the structure of bank customers is unreasonable, the stability of corporate deposits is poor, and the phenomenon of large households is particularly prominent. The corporate deposits of Huangjueping Sub-branch are basically supported by several large households. Fourth, the level of risk prevention and control needs to be further improved, and the risk awareness of all employees needs to be continuously enhanced. Fifth, the division of labor needs to be rationalized, the staffing is not the best, and the marketing work is not well combined with integrity and linkage.
Three, 20_ year work ideas and measures
Twenty years is both an opportunity and a challenge. Doing all the work well throughout the year is of great significance to the current and future development of the sub-branch.
Will our bank be stable in 20 years? Interest-oriented? Our business development philosophy, constantly strengthen the marketing ability, risk prevention and control ability, quality service ability, system implementation ability, ability to overcome difficulties, and strive to achieve the rapid development of _X branch.