I. Summary
20XX is a crucial year for the development of * *. With the deepening of the shareholding system reform, the macro-financial situation is becoming increasingly complex and the competition in the same industry is becoming increasingly fierce. It is in this situation that all the staff of * * * Sub-branch worked hard together, and the profit before deposit, loan, intermediary business and provision reached * * * billion yuan, * * billion yuan, * * billion yuan and * * billion yuan respectively in the third quarter of 20XX. The total amount of deposits, loans and intermediary business * ranked first, completing the established task of winning the status of first-class banks in the region.
Second, the basic situation
(1) Deposits continued to grow.
At the end of September, the balance of various deposits was * * billion yuan, including savings deposits of * * billion yuan and company deposits of * * billion yuan. The balance of deposits increased by * * billion yuan compared with the beginning of the year, up by * * billion yuan year-on-year, accounting for * * percentage points of the planned tasks, exceeding * * percentage points of the Bank and * * percentage points of the Bank, and the market share rose to * * percentage points, ranking first. The staff of the whole bank United as one, strengthened the marketing of VIP customers, and put forward a targeted storage plan. In just one month, its market share has increased by * *%, even higher than at the beginning of the year. Structurally, the balance of savings deposits was * * * billion yuan, an increase of * * * billion yuan over the beginning of the year and * * * billion yuan over the same period of last year, accounting for * *% of all deposits.
(2) the growth of loans.
By the end of September, the balance of various loans in this sub-branch was * * * billion yuan, and the balance of non-performing loans was * * billion yuan, accounting for only * *% of the total. The bank's loan share market share is * *%, far exceeding that of Bank * *%, and it continues to maintain the position of the first loan share in the region, which strongly supports the economic construction in the region.
1 Operating income in the third quarter was * * * million yuan, an increase of * * million yuan year-on-year. Among them, interest income was * * * million yuan (including interest receivable increased by * * million yuan), up by * * million yuan year-on-year, and handling fee income was * * * million yuan, up by * * million yuan year-on-year.
2. Various expenditures amounted to * * billion yuan, an increase of * * billion yuan over the same period of last year. Among them, the personnel cost is * * million yuan (including salary * million yuan), an increase of * * million yuan year-on-year; Business management fee expenditure is RMB * * million, an increase of RMB * * million year-on-year; Business tax and surcharge * * * million yuan, an increase of * * million yuan year-on-year.
(4) Intermediate business situation
In the third quarter, the accumulated income of the intermediate business of the sub-branch was * * * million yuan, and the planned completion rate was * * *%, ranking first in the market. Compared with the end of June, the intermediate income increased by * * ten thousand yuan, and the plan completion rate increased by * * *%. Congratulations. Structurally, in the third quarter, the bank card business income was * * million yuan, the insurance agency business was * * million yuan, and other income was * * million yuan.
Third, analysis
1. Comparing the deposit data at the end of June, we can see that the growth rate of corporate deposits is much higher than that of savings deposits. At the end of June, the bank's savings deposits and corporate deposits were * * * billion yuan and * * * billion yuan respectively; And * month-end savings deposits and corporate deposits were * * * billion yuan and * * * billion yuan respectively. Savings deposits increased by * * ten thousand yuan, an increase of * * percentage points; And corporate deposits increased by * * * ten thousand yuan, an increase of * * percentage points;
2. The bank's total deposits and loans fluctuated frequently, with strong liquidity and no stable customers;
At the end of 3.9, the loan balance of sub-branches was * * * billion yuan, and at the end of June, the loan balance was * * * billion yuan, an increase of * *%. The balance of non-performing loans is * * ten thousand yuan. The loan growth rate is too fast and there are non-performing loans. In the fourth quarter, the bank will strengthen the loan review and the collection of non-performing loans;
4. In the third quarter, the Bank's intermediary business income increased by * * * billion yuan. From the structural analysis, compared with the end of June, the bank card income increased from * * million to * * million, but the agency insurance income stopped, only * * million. Other income grew the fastest, reaching * * percentage points, from * * billion yuan at the end of June to * * billion yuan;
Numerically, since the bank was established soon, various businesses have developed rapidly, so the cost has increased greatly. However, we will strictly control expenses and make unremitting efforts in accounting work. According to the requirements of standardization of accounting work of municipal branches, we should conscientiously rectify and standardize accounting work. Strictly implement the cost plan made at the beginning of the year and control the cost indicators within the plan.
Fourth, improvement measures.
1. According to the deposit assessment target in the fourth quarter and the actual situation of the Bank, formulate a reasonable responsibility system for business objectives, and implement all tasks to employees, with clear rewards and punishments. Fully mobilize the enthusiasm and consciousness of employees to ensure the stability of deposits in the fourth quarter and maintain a good growth momentum;
2. Strengthen loan marketing. Under the premise of controllable risks, we will focus on supporting small and medium-sized enterprise customers with good operating efficiency and bright development prospects, and vigorously promote private enterprises with strict marketing management, perfect enterprise system and mature product market. Structurally, focus on AAA+ quality enterprises, further control the non-performing loan ratio and reduce the loan risk. Strengthen post-lending management, further strengthen process management and post constraints, implement the separation of loan review, and clarify the responsibilities of each post in pre-lending investigation, review, approval, distribution and post-lending management; Further strengthen the management of loan issuance process and use fixed assets loan funds in strict accordance with the project schedule. Minimize the risk of loans and the generation of non-performing loans, and ensure the safe and stable growth of loans in the fourth quarter;
3. Actively do intermediary business. On the premise of further maintaining the steady growth of bank card business income, we will focus on tackling insurance agency business, strengthen cooperation with securities and insurance companies, and promote the marketing of three-party depository, agency fund, insurance and wealth management business. Promote insurance products to high-quality customers and potential customers, develop new income fields and expand income channels.
4. Strictly implement the internal control system and strengthen the supervision mechanism. While doing a good job in direct operating benefits, we should control expenses and strive to achieve the goal of increasing revenue and reducing expenditure in financial revenue and expenditure.