Tisch
I served as the president of savings bank branch in June 20XX. Since taking office, under the correct leadership of the Party Committee of the business department of the provincial bank, my team members and I have conscientiously implemented the Party's financial principles and policies and financial laws and regulations, closely combined with the actual work, firmly grasped the core of business operation, and regarded efficiency as the starting point and foothold of the whole bank's work. My team members and I led the staff of the whole bank to work hard, work hard, vigorously develop loans to increase survival, actively seize market share, and achieved various assessment plans under extremely difficult conditions. By the end of 20 1x, the growth of various deposits has reached the historical level, and the clearing work has completed the plan issued by the business department of the provincial bank, and achieved the profit index well, achieving a double harvest in material civilization construction and spiritual civilization construction. Let's report on our work in the past year.
First, vigorously carry out fund organization work, and the annual growth of various deposits reached a record high.
After the institutional integration, according to the requirements of the business department of the provincial bank, our bank transferred xxx company, which opened an account in Puyang Street Sub-branch, to xx Sub-branch, and only this household took away 100000 yuan of public funds. Therefore, according to the situation after the integration, although it was allocated to five branches of the Bank, the total deposits declined due to the exclusion of large households. How to expand the total amount of deposits to a new high is an urgent problem before me. To this end, my team members and I have always placed organizational funds in a prominent position.
First, catch early. In cooperation with the spring activities of the New Century Savings Quality Service Competition held by the provincial bank's sales department, a meeting of middle-level cadres was held and actively deployed, which made the bank's deposit work in the first quarter solid and early, and achieved the goal of a good start in the first quarter. It laid a good foundation for the annual deposit work.
The second is to strengthen public relations and actively cultivate gold customer groups.
My main approach in this respect is to consolidate old customers and develop new customers. As the president, I take the lead, running around between new and old customers in the process of stability and development. In the case of several banks competing for this big customer, the Social Security Department of xx Municipal Finance Bureau mobilized all aspects and took various measures to stabilize the deposit balance of this big customer in our bank, which has always reached more than 300 million yuan and become a pillar customer to ensure the stable growth of our bank's deposits. In order to change the single customer structure and achieve the purpose of adjusting the customer structure, I persisted in my work despite my illness. Through repeated public relations with team members, I went through hardships and mobilized the Finance Bureau of Lvyuan District and the Finance Bureau of Chaoyang District to our bank, which changed the disadvantage of single customer structure and became a new customer, ensuring the steady growth of our bank's deposits. The employees of the whole bank also try their best to establish relationships and mobilize a large number of deposits around the deposit work.
Thanks to the efforts of the whole bank, in the year of 20 1x, the growth of various deposits reached a record high, and the balance of various deposits reached 1 7,259,500 yuan, a net increase of 484.22 million yuan over the beginning of the year, exceeding the assessment task, of which the unit deposits reached 74 1 5800 yuan, a net increase of/kloc-0 over the beginning of the year. Compared with the beginning of the year, the net increase was 209.39 million yuan, accounting for 144% of the assessment plan, with an average increase of14.72 million yuan in ten days, accounting for198% of the assessment plan; The balance of foreign currency deposits reached 6.95 million yuan, accounting for 65,438+0.94% of the planned amount. It can be said that the deposit of 20 1x has set a new record. Among all kinds of deposits, the proportion of low-cost funds has obviously increased, which reflects the guiding ideology of "organizing funds to talk about costs and developing customers to seek benefits". It has created many benefits for our bank.
Second, multi-measures have been taken to carry out "double clearing" at the same time, and non-performing loans have fallen sharply.
In the year of 20 1x, Ping An Sub-branch transferred to the Bank through institutional integration, and the institution alone transferred 207.09 million yuan of non-performing loans to the Bank, resulting in a sharp increase in non-performing loans of the Bank. Therefore, the "double clearing" pressure of 20 1x is unprecedented. My team members and I raised the work of "double clearing" to a political height, and established the strategy of "ordinary lenders don't let go, big lenders focus on it, focus on research procedures, and clarify the relationship comprehensively".
First, leaders take the lead in collecting goods from large households. Members of the leading group set tasks and goals, and specially selected long-term non-performing loan households for contracting. I personally contracted the needy households in the sub-bureau to study and formulate collection methods. Together with my team members, I have met with the responsible persons of enterprises with difficulties in collection many times. After repeated consultations, I finally implemented the repayment plan and security measures. In addition, every Monday, the directors of branches and related offices are organized to hold regular meetings to monitor the situation of enterprises in arrears door by door, so that all enterprises in arrears are deeply touched and the phenomenon of "fish crossing a thousand layers of nets, fish escaping through the net" is avoided. By leading a large number of contractors and team members to command from the front, grasping the key points and overcoming difficulties, the "double clean-up" work of our bank has been implemented.
The second is to launch the third "double-clearing" campaign. During the third campaign of "Shuangqing" organized by the provincial business department, we held a mobilization meeting for the third campaign. At the meeting, on behalf of the general party branch, I analyzed the problems existing in the work of "double clean-ups" and made comprehensive arrangements on how to fight a tough battle. Ten-day monitoring, daily analysis and quarterly assessment have been adopted, and good results have been achieved. At the same time, we implement the leadership accountability system. 1 1 in June, 2006, we issued documents to the presidents of five sub-branches with slow "double decline", stipulating that if the decline of non-performing loans is slow without justifiable reasons, it will be reduced from chief to deputy, and the deputy will be reduced to ordinary employees to show the determination of the leadership.
The third is to use legal means to force collection. Take the initiative to get in touch with the judicial department, seek understanding and support, and build a good environment for safeguarding rights. The bank prosecuted 1 1 cases in accordance with the law, involving 54.45 million yuan, and safeguarded financial claims.
In 20 1x, the bank achieved remarkable results in double clearing, with a total of 85.53 million yuan of non-performing loans resolved, completing 63.7% of the plan; Revitalize non-performing loans by 325 1 10,000 yuan, completing 222% of the plan; The credit assets were 69.48 million yuan, accounting for 27.6% of the plan. The balance of non-performing loans was controlled at RMB365,438+0,449,000 according to the four-level classification and RMB40,565,438+0,654,38+0,000 according to the five-level classification, all of which reached the non-performing loan control plan issued by the business department of the provincial bank.
Third, optimize the credit investment and constantly adjust the credit structure.
In 20 1x, we always take the adjustment of credit structure as the main line running through credit business, increase the rational allocation of credit resources and optimize the quality of credit assets. First, strict loan conditions and incremental loans. For the investment of new loans, we will support increasing investment in outstanding customers, securities pledge and consumer credit, so that new loans can be invested in customers with good reputation and high reputation, with emphasis on public relations lending. Last year, we borrowed 70 million yuan from xx Department Store Group Co., Ltd. through public relations, and accumulated incremental loans of 72.02 million yuan throughout the year. By optimizing the loan investment, loans tend to concentrate on excellent customers. The second is to implement the credit withdrawal mechanism. Some sunset enterprises voluntarily withdrew, and 26 inferior customers withdrew, and the loan was recovered by 35.68 million yuan, which achieved remarkable results.
Fourth, the financial assessment plan, complete the profit plan.
In 20 1x, the financial situation of banks was severe and the difficulties were very prominent. Mainly due to institutional integration, Ping An Sub-branch was placed under our bank, and non-performing loans rose sharply, and most of them were non-interest-bearing assets, but the profit plan issued to our bank was calculated according to the total loan amount. This means that in order to realize the profit plan, you need to make up the net profit1.2000 yuan for Ping An Branch. After tapping the potential, we can only use the interest of 7 million yuan in the deposited funds to make up for a part of the hard gap of Ping An Branch, and the insufficient part is filled with the interest of 5 million yuan owed by the original Luyuan Branch. In this way, it is equivalent to cutting off120,000 yuan from the profits already created. So the difficulty of completing the profit plan can be imagined. However, we led our employees to strengthen their confidence, strive to increase revenue and reduce expenditure, and still achieved the profit plan in a difficult situation. The annual profit was 65,438+0,749,000 yuan, and various expenses were 65,438+0,877,000 yuan, which was controlled within the plan issued by the business department of the provincial bank, and the on-balance-sheet interest rate reached 65,438+0,000%.
First, do everything possible to expand income. First, pay close attention to the work of collecting interest. Through a series of measures, such as implementing the responsibility system for collection, taking the lead in contracting, launching a hundred-day battle, and grasping asset preservation, the interest collection work has achieved remarkable results and reached a higher level. At the same time, by broadening the income channels, the income from intermediary business was 520,000 yuan.
Secondly, by vigorously organizing funds, especially low-cost funds, the financial strength has been enhanced and the asset-liability structure has been improved. In view of the strong growth momentum of funds, the bank actively organized the deposit of funds, and the deposit of funds alone reached 600 million yuan. Through interest margin accounting, the net interest income of 65.438+0.5 billion yuan was generated by only one deposit of funds, which not only made outstanding contributions to balancing the funds of the superior bank, but also created great benefits through the internal circulation of funds.
The third is to further reform the cost management method and highlight the principle of efficiency. In 20 1x, the Bank held xx workers' congress, and voted to adopt the Measures for the Management of Medical Expenses, the Measures for the Management of Telephone Expenses and the Typing and Copying System, which clarified the management measures for operating expenses. In addition, the Bank has defined the cost standard of vehicle management. Due to a series of management measures, the seriousness, discipline and binding force of the cost index have been strengthened. Although the cost index approved by the provincial business department has decreased, the bank still adheres to the principle of saving expenses and making profits, and firmly establishes the idea of "living a tight life" throughout the bank, thus ensuring the implementation of the cost plan.
The fourth is to flexibly dispatch and adjust funds to improve the efficiency of capital operation. Over the past year, we have given full play to the role of the comprehensive plan as a business hub, adhered to the benefit-oriented principle of capital arrangement, and rationally arranged the investment of funds to ensure the capital needs of key customers and outstanding customers on the premise of improving the efficiency and effectiveness of capital operation. And make full use of the leverage of interest rate, actively raise funds, flexibly allocate funds, rationally adjust funds, timely liquidate interbank funds, and reasonably determine the amount of reserve, so as to ensure the smooth flow of funds and the needs of enterprise management.
Five, adhere to the people-oriented, do a good job in the appointment of leading cadres, in a short period of time to do a good job of "three decisions."
People are the most active factor in productivity, and only by doing a good job of people can we do a good job in enterprise management. After the bank became a management bank, it conducted a comprehensive competition for the middle-level cadres of the whole bank, and the number of candidates reached 5 1. In order to do a good job in competitive recruitment, the bank organized a competitive recruitment meeting for employees of the whole bank, and the participants expressed their opinions on the competitive positions. It can be said that this competition is a big review of our talent pool. After the staff voted and scored, the team studied and weighed the ability of competitors, and finally determined 50 comrades to take up leadership positions. Through publicity, no one raised any objection, and a team of middle-level cadres with high work enthusiasm, good management and good management was formed in our bank. The personnel adjustment has played a positive role in improving the management level of the whole bank. The quality and efficiency of government officials play a vital role in the business operation of the whole bank.
extreme
20XX years, whether for XXX branch or for me personally, is an unusual year. I think it can be summarized in the following eight sentences: self-pressure, facing difficulties; Gather people's hearts and cheer up the spirit; Do one's duty, without losing the will to fight; Go beyond yourself and live up to your mission.
As the top leader of XX Branch, under the correct leadership of the Party Committee of District Branch for one year, I United and led the team members and all employees to conscientiously implement the spirit of the General Branch Work Conference, and closely focused on the strategic objectives of "big and strong" and "small and good" business development put forward by the Party Committee of District Branch to accelerate development and continuously improve operating efficiency; In terms of team building, we will focus on ideological construction, capacity building, work style construction and system construction, and strive to build our leading group into a strong leading group with good political quality, good business performance, good unity and cooperation, and good work style image.
It can be said that in 20XX, with the joint efforts of all staff, the whole bank achieved a historic breakthrough, and most indicators exceeded the planned tasks assigned by regional branches. The Bank's management level, market competitiveness and overall profitability have been greatly improved, and various business indicators and employee income are among the best in the industry and system. The sense of belonging, responsibility and initiative of employees are generally enhanced, which enhances the cohesion and combat effectiveness of the general party branch of the branch.
Now I will report my study and work in 20XX years to the comrades of the assessment team and the sub-bureau as follows, please comment.
First, study hard and strive to improve their political and professional quality and ideological and moral cultivation.
Adhere to the combination of theoretical study and self-study of the Central Group of the General Party Branch, grasp the principles and policies of the party and the state in a timely manner, and constantly update the management knowledge of commercial banks. Through learning, I have improved my theoretical level, decision-making level, overall control ability and market adaptability.
Establish a correct view of power, adhere to honesty and self-discipline, and consciously accept supervision. Consciously put yourself under the supervision of organizations and employees and let power be used by the people. The financial work, loan approval, appointment and dismissal of cadres and personnel deployment of the whole bank are strictly controlled, open and transparent. Conscientiously implement the rules of honesty and self-discipline of leading cadres and those formulated by the General Branch, consciously resist money worship, hedonism and corruption of abusing power for personal gain, do not be lured by profit, do not take the law for personal gain, do not bend the law for personal gain, consciously act according to the law, act according to procedures, always be self-respecting, self-reflective, alert and self-motivated, act with pure ideological style and diligent work style, and build your own personality strength with honesty and self-discipline. At the same time, pay attention to strengthen the education and management of team members, middle-level cadres and employees of the whole bank, not only pay attention to their work, words and deeds within eight hours, but also pay attention to their social circle and circle of friends, and often carry out honesty and self-discipline education, so as to sound the alarm and prevent problems before they happen.
Strengthen team unity and enhance team cohesion and combat effectiveness. Consciously demonstrate in study, work and life, keep decentralization out of control, and give assistants a relaxed working environment that can give full play to their talents. In decision-making, we can conscientiously implement democratic centralism, adhere to the combination of collective leadership and individual division of responsibilities, actively communicate with other members of the team, support and cooperate with each other, humbly listen to and actively adopt the criticism and good work suggestions of team members. Treat people sincerely, as if they were what they were.
Strengthened the construction of work style and ideological style. Often go deep into the investigation and study of enterprises and outlets, understand the counter business situation, talk with employees, listen to customers' opinions and suggestions, and give answers to problems that can be solved on the spot; Need to study the problem, after you come back, you should contact the competent leaders and departments to solve it quickly. Do a good job in the ideological and political work of employees patiently and meticulously, actively and properly solve the work and life problems reflected by employees within the scope permitted by the policy, and keep close relations between cadres and the masses. At work, I can put down my airs, jump down, be both a commander and a combatant, go to important customers and outlets once a month, work with employees to promote business and development, and constantly inspire their enthusiasm and initiative.
Two. Correctly implement the development goals, working ideas and measures set by the Party Committee of the branch, and strive to promote the high-quality and high-speed development of the whole bank.
First, identify the market, strengthen marketing, make deposits unswervingly, and further enhance the financial strength.
As we all know, XXX still belongs to the county economy even after it is removed from the county and set up a city. Financial resources are extremely limited, and the competition for deposits can be said to be "white-hot". A little relaxation, the market share of deposits will be eroded by peers. For 20XX years, we have always regarded deposits as the top priority of the whole bank and made unremitting efforts. Effective measures such as increasing resource allocation, improving assessment methods and strengthening marketing have promoted the steady growth of deposits. At the end of the year, the balance of full-caliber deposits was 887.8 million yuan, ranking first among local state-owned commercial banks, accounting for 49% of the total balance of deposits at the end of the four major state-owned commercial banks. The balance of deposits is twice that of Agricultural Bank, three times that of Industrial and Commercial Bank of China and six times that of China Bank, while the number of outlets of our bank is less than one third of the total number of city outlets of the four major state-owned commercial banks. Full-caliber deposits increased by180.38 million yuan compared with the beginning of the year, accounting for 185.46% of the total increase in deposits of the four major state-owned commercial banks (the other three major state-owned commercial banks all experienced negative growth) and 36.53% of the total increase in deposits of all seven banking financial institutions. The financial strength, innovation ability and asset quality rank first among state-owned commercial banks, and the completion of most business indicators is also in the forefront among the 12 directly affiliated banks in the whole region.
Second, actively market loans, optimize the credit structure, and adopt the strategy of paying equal attention to accelerating development and strengthening management to further optimize the quality of loans.
Communication needs a warm environment. With the strengthening of national macro-control and the tightening of monetary policy, we will actively provide market loans to key enterprises and advantageous industries in XX. After deducting the loan recovery factor, all kinds of new loans of RMB 2,654,380+0,986 million were issued throughout the year, focusing on advantageous industries such as papermaking, brewing, machinery manufacturing, power installation, medical and health care, and tourism in XX. At the same time, the management of credit assets has been strengthened. At the end of the year, the amount of five-level classified non-performing loans was 380,000 yuan, and the non-performing rate was only 0.04%, and the asset quality improved.
Third, efforts should be made to increase revenue and reduce expenditure, and operating efficiency and employee income have been greatly improved.
In 20XX, the management of expense quota was strengthened by implementing the spirit of the financial planning work conference of regional branches. First of all, at the beginning of the year, the performance appraisal method was revised, and the business philosophy of resource allocation leaning to the front line and benefiting the front line was established. The marketing expenses allocated to outlets have reached the level of previous years. Secondly, the management of daily office expenses has been strengthened, calling on the whole bank to start with saving a drop of water, electricity and a piece of paper and resolutely avoid all unnecessary and unreasonable expenses. However, emphasizing economy does not mean that we can't increase any expenses, but that part of the saved expenses will be used for technology and training to enhance development potential, and part will be used for wage incentives to increase employees' income. We are not stingy with the money we spend. In recent years, we have overcome various difficulties, invested a lot of money to update backward scientific and technological equipment, improved backward infrastructure, and enhanced the bank's external image and market competitiveness. At the same time, the income of employees has also been greatly improved.
Fourth, the level of internal control has been continuously improved, and the construction of leading bodies and staff has been further strengthened.
According to the deployment of the Party Committee of the Head Office and branches, we will conscientiously carry out special treatment of illegal activities, intensify supervision and inspection of various businesses, eliminate potential risks in time, and ensure the safe operation of businesses throughout the year. We have carried out activities to create "four good" teams and strive to be excellent * * * members, and strived to promote work with team building, boost morale with team building, and solve problems with team building. At the same time, we also carried out the discipline rectification activities of office style with the theme of "stressing pursuit, building healthy atmosphere, doing business and creating first-class", which further enhanced the staff's sense of discipline and the office's sense of service to grassroots and all-round customers, and the work efficiency was greatly improved compared with before.
Third, there are shortcomings.
Over the past year, although some achievements have been made in the work, there is still a gap compared with the requirements of the reform and development of XXX Bank and the requirements of the party committees and comrades of the general branch, which needs to be improved and improved with the help of everyone.
First, affected by the quality of regional economic development and the intensification of unfair competition in the same industry, the completion of business indicators is uneven, especially the completion of personal deposits and some strategic indicators is not good enough.
Second, there is still a gap in learning initiative, comprehensiveness and systematicness; There is still room for further improvement in working methods and management art.
Every achievement of CCB in the past is the result of the joint efforts of all employees. And every progress tomorrow is closely related to the efforts of every employee including me. In the future work, I firmly believe that under the leadership of the Party Committee of the district branch and with the efforts of all the staff, we are confident and determined to make CCB's tomorrow better because of us!
Thank you!
Moderator: ×××××
20XX 65438+ 10 month 12