Chapter 1: Summary of Work in March of xx. Under the correct leadership of the Party Committee and the President's Office of the branch, XX Sub-branch has further exerted its regional advantages, defined its objectives, adhered to the combination of business development and compliance management, and correctly handled the relationship between scale, quality and efficiency, and achieved certain results.
By the end of February, XX, 65,438, the Bank had achieved all major business indicators.
Intermediary business: the total international settlement was $ xx billion, an increase of $ xx billion year-on-year, with an increase of xx %；; The total amount of foreign exchange settlement and sale was $ xx billion, an increase of $ xx billion year-on-year, with an increase of xx%.
Liabilities: the balance of local and foreign currency deposits is xxx billion yuan, of which the balance of RMB deposits is xxx billion yuan, an increase of XXX billion yuan over the beginning of the year, accounting for xx% of the annual plan. The incremental structure is: the savings deposit will be increased by xx million yuan, and the annual plan will be completed by xx %；; Enterprise deposits increased by xx billion yuan, completing xx% of the annual plan. The balance of foreign currency deposits was USD xx billion, an increase of RMB xx billion over the beginning of the year, accounting for xx% of the annual plan.
Asset business: the balance of various loans in local and foreign currencies is xx billion yuan, an increase of xx billion yuan compared with the beginning of the year, and the excellent asset rate and interest rate remain at 65,438+000%. Consumer loans increased by xx billion yuan, up by xx% over the same period, and the annual plan was completed by xx%.
Summarize the development and management of various businesses this year, and mainly take the following measures.
First, pay close attention to internal control and compliance management, and create a corporate culture that loves business and posts.
1. Strictly control the risk focus with special activities.
In the first quarter, the problems of various departments in XX years were sorted out, and the business leaders summarized the problems, found out the problems existing in their own departments, and made rectification;
In the second quarter, "Let's dig for omissions and guard against risks everywhere", organized discussions on risks not covered by the system in the operations of public, private and international settlement business personnel, and organized "Eye Award" selection, and some valuable risk prevention suggestions emerged.
2. Make a comprehensive management plan for xxx employees and strengthen the overall management of employees. Divide employee management and growth, plan personal development career, and create a harmonious and enterprising corporate culture atmosphere in the branch.
3. Strengthen the role of business executives as "home masters". Higher requirements are put forward for enterprise executives from the aspects of responsibility and rights. At the same time, this year began to implement a regular independent reporting system to strengthen the two-line management of business executives. The internal control supervisor reports to the General Management Department every month and to the president in charge every quarter to control the internal management of outlets.
The second is to highlight the guiding role of performance appraisal and promote business development with the focus on competition activities.
1, keep pace with the times every quarter, and focus on competitions to accelerate the rapid development of business.
In the first quarter, we adhered to the principle of establishing a bank with deposits, and launched a deposit opening competition according to market rules. By taking measures such as weekly notification of branches, regular meeting analysis, publicity and consultation activities at outlets, and vip customer discussion, the opening activities were carried out in a solid and effective manner. In the opening competition of branches, the average daily deposit of branches is in the leading position of branches, and the finalist rate of private deposit outlets is 40%.
2. Improve the overall scheme of performance appraisal and highlight the overall guiding role of appraisal.
This year, the restrictions on the assessment of various business indicators were cancelled, and outlets were encouraged to give full play to their advantages and develop their business by using their own regional characteristics. At the same time, in order to cooperate with the establishment of the business compliance year of the Head Office, the comprehensive management assessment was strengthened, especially the management function assessment score of business executives was greatly improved, which reflected the importance attached to internal control management.
Make intermediary business bigger and stronger, and expand new profit space.
1. Other intermediary business: After active guidance, all outlets have made clear the importance of intermediary business to our income, function and image. Through pre-preparation and pre-implementation, they tapped customer resources and actively expanded intermediate business indicators. Through hard work, most of the business progress has been completed. In addition, the sub-branch actively expanded new business of the branch, formulated the xxx competition reward scheme, informed the president's office and the person in charge of the outlets of Huang Jinbao market and related information in time by sending short messages every day, and held business training meetings and situational marketing to enhance the market share of xxx new business.
2. International settlement: cultivate important customers and strive for market share. According to the plan made at the beginning of the year, the top ten customers of the sub-branch will implement the chief account manager system, and the account manager in charge of the business development department will report the business situation and the company's operation to the chief account manager every quarter, and * * * agree on the next marketing plan to improve customer loyalty and contribution.
Through joint marketing with branch and xx branch, the Bank seized the favorable opportunity and used online banking as a marketing tool to promote the increase of international settlement of the company in our bank. For another large settlement company, XX Company, we take the opportunity of asset business investment and adopt flexible repayment methods. Through various marketing, up to now, the international settlement volume of xx company has reached xx billion dollars, and the settlement volume of xx company has reached xx million dollars. At the same time, it also pays attention to the international settlement business of small and medium-sized companies, and uses various opportunities to carry out marketing, forming a development situation in which both sides are attacked and both sides are not relaxed.
3. Retail loan: On the premise of effectively preventing risks, combined with the impact of macro-control on the XX housing market, we will focus on strengthening cooperation with intermediary agencies, focusing on the development of second-hand housing business, while taking into account the development ideas of new real estate development. Through hard work, the income was increased by xxx billion yuan, a year-on-year increase of xxx%.
Fourth, fully understand the advantages and pressures and establish new marketing concepts.
Due to the adjustment of the members of the president's office in the first quarter of the sub-branch, after the new leadership team is in place, the division of labor will be strengthened and the responsibilities will be clarified, and the three presidents will establish a contact responsibility system with the outlets. Put forward the new concepts of "brain-heart effective marketing" and "team and individual effective marketing". To this end, advocate personalized marketing and fully tap regional resources; Counter is combined with target customer marketing, which mainly manages and guides teller marketing and changes passive service into active marketing; Business development through linkage marketing and other means, using the rich experience of the project team, strengthen the marketing of target customers. In addition, the president's office attaches great importance to the joint marketing of products, which is driven by the growth of international settlement products and debt business.
Verb (abbreviation of verb) deeply digs regional resources to ensure a long business history.
1, improve the quality of employees and strengthen the construction of corporate culture.
2. Strengthen the competition of new projects. Accumulated for xx new projects, with a total registered capital of xx million yuan. The traditional dominant position of Japanese-funded projects has been further consolidated; European and American projects are striving for progress. For example, xx has settled in our bank.
3. Intensify efforts to win the target customers of other banks. The three project teams aim at 4-5 customers of other banks as short-term targets and conduct targeted marketing. For customers of other banks who have opened accounts, it is required to increase the proportion of account deposit; If marketing has been unsuccessful, we will actively strive for it through peripheral marketing, product marketing, visits and other forms.
4. Continue to strengthen communication with government investment departments to ensure new sources of high-quality projects. First of all, the account manager is required to run the investment promotion department at least twice a week to capture the project information at the first time and start tracking marketing accordingly. Secondly, according to the specific division of labor, three project teams correspond to three China Merchants, making full use of limited resources and focusing on contact and tracking; Thirdly, combining point with face, while maintaining contact with the investment promotion department in an all-round way, we should focus on selecting some investment promotion managers, focusing on public relations, so as to make them "insiders".
In the future working years, I will continue to work hard, do what I should do, complete the tasks assigned by the leaders, live in harmony with my colleagues, and make my due contribution to the development of our branch.
It seems simple to do your job well, but in fact you have made due contributions to the country. The outbreak of the global financial crisis has caused China's economic development to be slower than in previous years. This is the general environment and global influence, but we should not lose heart. The financial crisis will pass sooner or later. As long as we do our job well, we will make due contributions to the recovery of the national economy.
Xx is my third year in charge of work. With the care of my leaders and the great help of my colleagues, I successfully completed my annual work tasks. Report the performance of duties to 1, strengthen service awareness and provide first-line services with high quality and efficiency. As an employee of the head office, the service quality is directly related to the image of the head office. ...
Xx is a very important year in the development history of ICBC, which successfully took the first step in the shareholding system reform. For Nan 'an Sub-branch, xx is a year of hard work, a year of adapting to changes, a year of pioneering and innovating, a year of clearing up ideas and accelerating development.
In a blink of an eye, a year has passed, and I still have no feeling. It can be seen that the speed of time sometimes makes people very helpless. But on the whole, my work in the past year was good. In addition to completing my work well, I also helped my colleagues to do something within their power and was led many times. ...
In May of xx, I went to xxx Credit Union as the deputy director, in charge of deposit work. Over the past year, under the correct leadership of the bank leaders and President XX, and with the strong support of all the staff, I have conscientiously implemented the party's line, principles, policies and relevant regulations of the superior bank, and under the guidance of Theory of Three Represents, I have continuously strengthened my political and business study and deepened my practice. ...
Time flies, in a blink of an eye, xx Bank and I have gone through five spring and autumn periods. In August of xx, I just stepped into the society and entered xx Bank with full enthusiasm and beautiful vision.
Chapter II: Summary of the Bank's work in March. All the work of XXX in 20xx has basically come to an end. Here I just briefly summarize my work this year.
With the growth of age and the accumulation of various work experience, my requirements for personal work in XXX are also constantly improving. My post is the service window of xx, and my words and deeds represent the image of the bank. We should not be a little sloppy and lax in our work. As we all know, xx Sub-branch has two savings offices, and mine is one of them. Every day, the average business of each comrade will reach two or three hundred. There are about 200 customers, and such a working environment forces me to constantly remind myself to work seriously and strictly follow the rules and regulations formulated by the industry. I have been insisting on myself this year. With my efforts, I personally did not have a liability accident in 2002. While doing my job well, I also use my years of saving experience to help other comrades. If comrades have any questions, I will answer them seriously. I will humbly ask old comrades if I have any questions. When dealing with business skills, I have a requirement in my heart: a threesome must have a teacher, and those who can't learn must learn by all means. If you want to help others in your work, you must improve your professional quality.
I love learning new knowledge and developing new business in my industry every time. As long as someone needs to work overtime, I will be the first to stand up. No matter how long I work overtime, I never complain. Because I know that this is also the personal trust of the unit leaders. I will also actively make good use of every opportunity to learn new business, do a good job in testing all new business, and do not delay the work of the whole branch. Under this idea, I successfully completed every task assigned by the branch. It has also been well received by comrades.
The Chang Ying Savings Office where I work is a branch-level youth civilization number. As Comrade Sorija X said, it is a big family that respects and cares for each other. It is often said by other comrades who know our situation that we have never seen a harmonious relationship between comrades in any unit like ours. No matter at work or in life, comrades-in-arms are like a family, and there has never been any contradiction. If there is an opinion, it is also a difference in work. Such opinions mean the continuous improvement of working standards. I always think that my innate character determines that I am very suitable for saving, because I have a very good temper, and with the increase of my work calendar, I have learned to be more and more stable. Good temper is first of all a good attitude towards the service of the institute. I insist on demanding myself by the standard of youth civilization. So I have never received any complaints from external customers since I started working. Usually, when customers have different views on our work, I can also explain clearly what customers don't understand, and finally satisfy customers.
XXX is located in the urban-rural fringe, with a dense population. There are also several universities and research institutes around the savings office. With different educational levels, we should serve different people every day. I always remind myself to start with the details. Put all kinds of spirits and requirements issued by the bank into practice, so as to be subtle, civilian and daily. What does it mean to make customers feel warm here?
Migrant workers often come to Beijing to handle personal remittances. Some people can't even fill out the required receipts. Every time I will explain the filling method to them in detail and teach them word for word until they learn to do so. When you leave, tell them to keep a written receipt, so that the next remittance can really be written out. Thank them for their continuous remittance business. Maybe someone will ask. Personal remittance is only the collection business of savings offices. You can't increase the deposit in the office. Why do you do it so enthusiastically? I'm here to explain it with the words of a comrade XXX. "It is not easy for them to come to xx. When no one can, it is right to help them. " I think the best service is to serve our customers wholeheartedly. When I heard the customers outside say to me: Your work is really fast ... That chubby young man has a good attitude ... ABC is very good ... in that case. I am very happy in my heart. This is not only a compliment to me, but also an approval and encouragement to my work.
In the new year, I set myself a new goal, that is, to step up my study, better enrich myself and meet the challenges of the new period with full mental state. There will be more opportunities and competitions waiting for me next year, and I am also secretly encouraging myself. Stand firm in the competition. Down-to-earth, our eyes should not be confined to the small circle around us, but should focus on the overall situation and future development. I will also learn from other comrades, learn from each other's strengths, exchange good work and experience, and make progress together. Get better working results.
Chapter III: Summary of Bank Work In March of 20xx, under the correct leadership of the bank, with the support and help of my colleagues, and under the guidance of Scientific Outlook on Development, I conscientiously implemented the bank's work guidelines and policies, based on my own duties, served customers, and accomplished my work tasks well, and achieved certain results, which was affirmed by the bank leaders and satisfied by customers. The work in 20xx years is summarized as follows:
First, work performance
In 20xx years, I worked hard, fully completed my tasks and achieved good results. In addition to completing the work of the front desk teller, we used every opportunity to sell bank wealth management products, and * * * sold bank wealth management products of RMB million, including RMB million for funds, RMB million for insurance and RMB million for bank cards.
Second, study hard to improve political and ideological awareness and professional work level.
In 20xx, seriously study the Party's theory, learn the spirit of the 18th National Congress and the Third, Fourth and Fifth Plenary Sessions of the 18th National Congress, improve political and ideological awareness, keep in line with the bank ideologically, strengthen ideals and beliefs, establish a correct world outlook, outlook on life and values, establish the idea of serving customers wholeheartedly, and achieve selfless dedication. In addition to studying political theory at work, we should focus on studying the bank's various systems, work disciplines and financial management business knowledge, so as to learn deeply, master it in our minds and apply it to practical work, laying a solid foundation for doing our job well. Through the study, I am familiar with and mastered the basic knowledge and skills of the bank's various systems, work disciplines and financial management business, enhanced the ability and level of performing post responsibilities, kept pace with the times, enhanced the overall awareness, and was able to better implement it in combination with the actual situation, completed various tasks assigned by the bank, and achieved good results.
Third, establish a sense of service and do a good job in service.
As a front-line teller, the key to doing a good job is to establish a sense of service, do a good job, and get customer satisfaction, so as to enhance the bank's taste and image and promote the development of banking business. To this end, I love my job, fulfill my duties, bear hardships first and do a good job in customer service. Focus on three aspects of work:
First, put yourself in a correct position, do a good job in service, eliminate ideological slack and deficiencies, completely update ideas, consciously regulate behavior, and conscientiously implement various service measures of banks.
The second is to take business technology and proficiency as the measure of service level, practice basic skills hard, speed up business handling, avoid mistakes and grasp quality.
Third, study hard new business knowledge, master the knowledge and skills necessary to do a good job in banking, especially the knowledge of wealth management products, so as to lay a foundation for expanding business scope and creating good economic benefits.
20xx years, I worked hard. Although I have greatly improved my political thoughts and professional knowledge, and achieved good results in my professional work, compared with the requirements of banks and the hopes of customers, I still need to continue to work hard and improve. I will continue to strengthen my study and deepen my management in the future. I will, according to the requirements of Scientific Outlook on Development, work hard with pragmatic work style and innovative development ideas, push the work of the whole bank to a new level, create excellent business performance, and make due contributions to the healthy and sustainable development of the whole bank.
Chapter IV: Summary of the Bank's Work in March In a blink of an eye, xxxxxxxx Bank has been established for more than four months. During this period, with the support and help of department leaders and colleagues, some achievements have been made through business promotion. But in this process, I found that there is still a big gap between myself and my goal, and at the same time I showed my own shortcomings. The work summary in the third quarter and the future work plan are as follows:
Summary of personal main work in the first and third quarters:
Up to now, the Bank has reported xxx projects to branches, among which xxxxxx projects have been approved by the branch loan review committee, namely, xxxxxx Company (RMB 10,000), xxxxxx Company Limited (RMB 10,000), xxxxxx Company Limited (RMB 10,000) and xxxxxx Company Limited (RMB 10,000), and all the above approved projects have been realized. There are xxxx projects under review, namely xxxxxxxx company (reported net credit of xxxx million yuan), xxxxxxxx company (reported net credit of xxxx million yuan), xxxxxxxx company (reported net credit of xxxx million yuan) and xxxx company (reported net credit of xxxx million yuan). In addition, xxxxx projects were rejected or postponed for other reasons, namely xxxxx Co., Ltd., XXXXX Trading Company and xxxxxxx Co., Ltd. ..
While reporting the above matters, due to customer risks and industry problems, although the customer pre-loan investigation was completed and a report was written, it was not reported to xxxxx households. Among them, xxxxx Co., Ltd. (the net credit to be reported is xxxxx million yuan, and the land plant is mortgaged) was not reported because of the credit default; Xxxxx Co., Ltd. and xxxxx Co., Ltd. (the net credit to be reported is XXXXX million yuan, and the land under the name of the real estate enterprise is mortgaged) are not reported because the guarantee method does not meet the requirements of bank credit.
Second, the main problems in the work:
Although some achievements have been made in the previous work, there is still a big gap between self-awareness and expected goals, and there are also some problems in working methods, which still need further improvement.
1. I don't know enough about the bank's credit policy and document system, and I don't know the advantages of our products.
2. The efficiency of project application is not high, the speed of promotion needs to be further improved, and there are still problems in project screening, which leads to many detours in the promotion process and wastes a lot of time and energy.
3. Small indicators such as third-party depository, personal credit card and payroll have not been successfully completed, and the marketing work has not been carried out comprehensively enough.
4. In the deposit structure, the margin ratio is relatively high, the use of credit products is relatively simple, and customer loyalty is low.
5. Due to low work efficiency, there are few opportunities to go out and market customers, and the customer reserve is not enough.
6. In the post-loan work, the communication time with customers is less and insufficient, and there is a phenomenon of "emphasizing on the top and neglecting the bottom".
Work plan for the third and fourth quarters
1. Pay attention to intranet information in real time, learn the documents and regulations issued by branches, and avoid the situation that all businesses are affected by policy changes.
2. Increase the project reserve and marketing efforts to lay a good foundation for the expansion of customer base and the growth of performance next year.
3. Implement the weekly plan and monthly plan item by item, strengthen project execution, strengthen communication with the credit review department, and improve the reporting speed of credit business, so as to pave the way for a good start next year 1 quarter.
4. Invest energy, increase the marketing efforts of surrounding relatives and friends, and ensure the smooth completion of small indicators at the end of the year.
5. Strive to do a good job in compliance management such as loan placement and business cooperation of approved projects. At the same time, invest a certain amount of time, strengthen post-lending inspection, do a good job in post-lending management, and ensure business compliance and effective risk control.
Xxxxxx co., ltd., xxxxxxxx co., ltd., xxxxxxxx co., ltd. and xxxxxxxxxxxx co., ltd. at the same time, make use of existing resources to contact and develop new customers, and make good project reserves for next year. At the end of the fourth quarter, personal target deposits reached xxxx billion yuan, and the total number of credit customers of the company was xxxx. I am convinced that through my unremitting efforts, the above goals will be achieved.