It is a written material that reviews, analyzes and objectively evaluates the work, research or thoughts of a certain period in the past. It can make clear the next work direction, avoid detours and mistakes, and improve work efficiency. Let's write a summary. Do you want to know how to write a summary? The following are four summaries of ABC's work that I have compiled for you, hoping to help you.
Summary of the work of Agricultural Bank of China 1 Since I became the director of the business department of fengqiu county Tongda Sub-branch of Agricultural Bank of China, I have been working hard around the goals put forward by the sub-branch, and I can conscientiously implement the relevant financial policies and guidelines, be based on my own work, and love my job and be dedicated. Unite and lead a group of people in grass-roots outlets to make progress and do their best for the development of our business. With the reform and listing of the Bank's shares, the pace of reform and innovation has accelerated, the requirements for development and management have become higher, and various tasks are also very heavy. As the sales director of a grass-roots branch, I feel a great responsibility and a strong sense of mission to do a good job. Now I will report my work in 20xx years as follows:
First, vigorously expand the business of corporate deposits and promote the rapid development of various businesses.
Thanks to the unremitting efforts of the staff of fengqiu county Tongda Sub-branch, all the work in 20xx has developed steadily. Especially in the "Spring Action" in 20xx, various deposits grew steadily, harmoniously and rapidly. The bank's self-operated RMB deposit is XXX million yuan, an increase of XXX million yuan over the beginning of the year, and the planned amount is XX. The growth rate of deposits ranks X among all branches in the city. Realize the income of intermediary business of XX million yuan.
Second, optimize the service level of outlets and deepen the transformation and reform of outlets.
In the second half of 20xx, the Bank focused on service, especially in the "100-day rectification" organized by Bank of China, requiring the employees of the Bank's sales department to always adhere to the service concept of "thinking about customers' needs, satisfying customers' needs and eliminating customers' worries" to provide customers with all-round, thoughtful, convenient and efficient services. We have successively introduced a series of service measures such as employee matching, on-site service and business innovation. In the process of serving customers, we have achieved standardized operation, standardized service, polite language and decent behavior, which left a good impression on customers and won their trust. We consider the details for our customers and try our best to satisfy them and improve our reputation.
The transformation of outlets is an important reform measure of "winning in the lobby" in the future development of the bank, and the superior bank attaches great importance to it. I also regard it as the top priority of network work. I spend at least 80% of my time in the lobby of the business room every day, organizing the staff on duty to do a good job in the service of the outlets. On the one hand, do a good job in quality service of outlets and enhance the spiritual image of banks. On the other hand, I will find the shortcomings in the transformation of outlets in time, solve them quickly and implement them quickly. With the efforts of all staff, the service level of fengqiu county outlets in 20xx has been further improved.
Third, strengthen safety management and sound the safety alarm.
Regularly check the implementation of the system and safety facilities, and rectify potential hidden dangers in time. Study and analyze several safety accidents in domestic financial institutions, organize employees to carry out safety education and study regularly, improve the safety awareness of all employees, ensure that there are no accidents throughout the year, and the alarm bell will ring.
Four, strict internal management, and effectively standardize and strengthen the management mechanism of the business department.
Management is the life of the financial industry. Strict and effective internal management is the premise and foundation for the safe, efficient and steady operation of the financial industry, and it is an important means and effective way to prevent and resolve financial risks and prevent and eliminate cases. While vigorously developing business, internal management has not been relaxed. I insist on studying twice a week and analyzing employees' behaviors once a quarter, so that employees firmly establish the idea that safety is benefit, enhance their awareness of legal system, risk and responsibility, and form an internal management model that strengthens internal control by mechanism and strictly manages by system.
Problems in verb (abbreviation of verb) and the direction of future efforts;
Looking back on the work in 20xx and checking the existing problems, I think the main points are as follows:
1. Not paying enough attention to theoretical study, thinking that business departments do practical things and business development comes first. It is better to do well than to learn well.
2. There is not enough awareness of work innovation, so that the sales department has not made a breakthrough.
3. The internal management is not strict enough, which leads to some rules and regulations not really put in place, and there are hidden dangers.
4. The ability of external coordination needs to be further strengthened.
In the future, I will do my job wholeheartedly, actively lead employees to emancipate their minds, boldly implement innovative management, be diligent and pragmatic, do my duty for the development of fengqiu county Agricultural Bank, and maintain the steady development momentum of fengqiu county Agricultural Bank. Strive to cultivate yourself into a professional, high-quality, adaptable, independent, correct outlook on life, full of vitality and full of ideals. "The value of life lies in dedication." On the way forward in the future, I will continue to devote my blood, wisdom and youth to the cause of Agricultural Bank I love with my passion and enthusiasm.
Abstract of Agricultural Bank of China. Time flies. In a blink of an eye, 20xx years passed quickly, and one year's work came to an end. In this year, with the joint efforts of all the staff of XXX bank outlets, all the work will be carried out in an orderly manner. As a bank branch president and an old employee who has worked in the bank for more than 20 years, I have always regarded the eight-character working principle of "consolidating the foundation, creating excellence and increasing efficiency" as my work motto, demanding myself to work hard and strive for good results. Thanks to the cooperation and progress of all our staff, our bank has made many outstanding achievements. Now I will report my work in the past year as follows:
I. Main operating results
1, core deposit. As of June 5438+February XX, the balance of various deposits in the business department was XXX million yuan, an increase of XXX million yuan over the previous year; the balance of legal person was XXX million yuan, an increase of XXX million yuan over the previous year, accounting for XXX %； of the annual tasks; The balance is XXX million yuan, an increase of XXX million yuan over the previous year, and XXX% of the annual task has been completed.
Intermediate business completed XXX million yuan, accounting for105% of the planned tasks; XXX wealth management products sold; Sold XXX credit cards; Add XXX mobile banking users and XXX online banking users.
Second, the main work measures and results
(1) Clarify the objectives and responsibilities, and give play to the leading role of bank branch presidents in four aspects: diligence, performance, morality and ability. First of all, in terms of diligence, I am enterprising, responsible, diligent, earnest, hard-working, brave to shoulder heavy burdens, and dare to take responsibility, regardless of personal gains and losses. Secondly, in terms of performance, we pay attention to working methods and leadership strategies. Through the implementation of these methods and strategies, we have led everyone to achieve better results. Third, morally, we should conscientiously implement democratic centralism, take the overall situation into account, obey the division of labor, and bravely shoulder heavy burdens. Respect the top leaders, unite with the members of the leading group and the broad masses of cadres and workers, have a correct ideological style and a solid work style, dare to adhere to principles, be concise and pragmatic, forge ahead, earnestly perform their duties, vigorously support the work of the top leaders, and promote the smooth development of all work in the whole bank. Finally, in terms of skills, I am familiar with and master the country's financial policies, financial laws and regulations through amateur study, and can better implement them in combination with the actual situation; Better coordinate all aspects of the relationship, fully mobilize the enthusiasm of employees and jointly complete complex tasks.
(2) Firmly establish the idea of "establishing a deposit bank" and promote "grasping deposits" as a key task. With the diversified development of various banking businesses, there are more and more types of products. Instead of focusing on the core business of the bank, develop all kinds of businesses in an all-round way and make as many highlights as possible. Our employees will work together to develop all kinds of businesses in an all-round way.
(three) lead by example, lead employees to strengthen learning, improve personal quality and professional skills. Strengthen employees' meticulous business study, expand their knowledge breadth, enable them to deal with all kinds of customers in marketing, deepen their awareness of civilized service, do all marketing work well from the interests of customers, stimulate employees' marketing motivation, realize joint marketing of all employees, always urge all employees in outlets to adhere to business study and constantly strengthen their theoretical quality and professional level, so as to be handy in their work, better provide convenient, fast and accurate services to our customers, and make every effort to build a floating beam agricultural bank.
(4) Mechanism reform, and bank management has reached a new level. Affected by institutional reform, our outlets merged with XX Branch in June this year165438+1October. After the merger, the new president, with his advanced management concept and rich practical experience, led all the work of the Bank to a new level, especially at the management level, which greatly improved the management level of our outlets and laid a solid foundation for our outlets.
Saying goodbye to the old and welcoming the new, the pace of 20xx is gradually drifting away, and we will also welcome the arrival of 20xx as scheduled. In the new year, we will make new plans and strategies to help the development of banks. In the new year, we will focus on the following aspects: First, strengthen marketing and maintain steady and rapid growth of various businesses. Firmly establish the concept of "customer-centered" and "winning in the lobby", adhere to "establishing a deposit bank", grasp customers from the source, do a good job in customer marketing, actively market electronic and card products, guide customers to use electronic channels or multimedia self-service equipment as much as possible to handle business, and continuously improve the electronic diversion rate of outlets.
Second, improve service and customer satisfaction. The best service comes from the background, from details, and from banks that customers have not considered. Therefore, it is necessary to establish and improve customer service leadership and supervision responsibilities at all levels, implement the service management responsibility system, and jointly create a large service pattern of "first-line customers, second-line customers, grassroots organizations" and "customer-centered".
The third is to strengthen internal control management and strictly control operational risks. Correctly understand the importance of internal control mechanism, strengthen employee professional ethics training and warning education, improve the value correlation between internal control and employees, and effectively prevent employees from violating rules and regulations caused by moral hazard. To build an independent internal audit management system, we should strengthen supervision as a means to play the role of functional departments. Separate business from supervision, establish an independent internal audit management system, and make the internal audit work truly detached and authoritative. Functional departments should conscientiously implement self-discipline supervision, improve the effect of self-discipline, enrich supervision power in strict accordance with the requirements of self-discipline supervision responsibility system, perform supervision duties, and strengthen and constantly innovate supervision means.
Summary of Agricultural Bank of China's Work 3 Last year was the first year for the bank to implement its "extraordinary and leaping development strategy" and to realize its three-year development plan. With the correct leadership, care and support of the Party Committee of the branch, our branch has made careful work plans and measures, resolutely implemented the "five changes" work ideas formulated at the branch work meeting at the beginning of the year, and ensured a good start. Over the past year, the cadres and workers of the whole bank have worked hard as one and achieved fruitful results.
I. The business operation presents an extraordinary development trend:
Compared with previous years, this year, the Bank stepped into the fast lane of development, with various businesses hitting record highs and stepping out of the rising channel of development.
(1) Various deposits grew rapidly. By the end of the year, the total balance of local and foreign currency deposits is expected to exceed 850 million yuan, an increase of 360 million yuan over the beginning of the year. It is estimated that RMB corporate deposits will increase by 654.38+0.4 billion, RMB deposits by 58 million and RMB interbank deposits by 80 million. Increase in foreign exchange deposits100000 USD. The annual daily average increased by 654.38+0.5 billion compared with last year; The increase of deposits in foreign currency companies has become an important source of deposit growth in our bank, and interbank deposits and savings deposits have also increased substantially, which is unprecedented in the past.
(2) The loan scale has increased and the structure has been continuously optimized. At the end of the year, various loans exceeded 1 100 million yuan, an increase of 300 million yuan over the beginning of the year, mainly invested in high-quality customers and low-risk loans such as mortgages and consumer loans; Such as PTA, investment general, tungsten industry, Zhong Da, Haicang Avenue and other large projects; The overall quality of credit assets is still high, and the proportion of non-performing loans is less than 3.5%, especially in the first and second quarters of this year, the balance of non-performing loans has decreased compared with last year; However, from the stock analysis, sluggish loans have increased; The on-balance-sheet interest rate is expected to reach more than 65,438+000%, and the comprehensive interest rate is expected to reach 97%, ranking first in the jurisdiction.
(3) Double the operating profit. By the end of the year, the bank's profit level is expected to reach150,000 yuan (including foreign exchange settlement and sale income), of which RMB profit is about 7.7 million yuan, foreign exchange profit is about 450,000 US dollars, and foreign exchange settlement and sale fee income is about 3.5 million yuan. The per capita profit reached 265,438+ten thousand yuan. Compared with the profit level in the past few years, the profit level of our bank has achieved a leap-forward development this year.
(4) The intermediary business has grown substantially. This year, the total amount of international settlement and sale of foreign exchange ranked second in the whole jurisdiction, close to the first. It is estimated that the international settlement volume is 250 million US dollars, and the settlement and sale of foreign exchange is about 654.38 billion US dollars. The fee income of foreign exchange business has increased greatly, which is expected to reach 3.5 million, equivalent to about 20% of my profit. Bank acceptance bill business and bill discount business have also increased substantially, becoming another new source of profit.
Second, the main work measures and successful experience:
(1) Take management as the center, highlight key points, and take practical and effective measures to promote the rapid development of various businesses in all directions.
1, market segmentation, accurate positioning, grasping key points, and actively marketing wholesale business. In 20xx, our bank will subdivide the public market into "five ones", namely, a port, an avenue, a real estate, several projects and a trust company. After defining the target positioning, a set of marketing mechanism with sensitive response, rapid decision-making, strong research and good service was established, and the work was creatively carried out to expand the market in all directions. The specific measures are: improve the management level, and for key outstanding customers with large scale and high requirements, the responsible subject will be promoted to the business department, and the president will be directly responsible for tackling key problems and negotiating projects with more than $6.5438 billion; Set up a strong research team, gather people with strong research ability in the whole bank, form a strong research team, and select suitable personnel for enterprises with different characteristics to combine, fight in groups, link up and down, and strengthen the army. Highlight the competitive advantage, seize the opportunity of the Bank to further promote the construction of corporate culture, make a big fuss about services, attract customers with quality services, vigorously market new business varieties launched by the head office and branches, provide customers with a package of service solutions, and strive to be better than other banks in terms of service depth and breadth; Bank leaders set an example, take the lead in tackling key problems, ensure that at least half of the time is spent visiting customers, and key customers insist on visiting once a month, and attach importance to improving and improving the relationship between banks and enterprises. Through unremitting efforts, this year, the bank has won a number of high-value new customers, such as Deyan Paper, Jintong Chemical, Fenglong Aquatic Products, Amoi Guotuo, Haicang Hospital and other key customers. At the same time, we have also reserved a number of potential projects such as Haicang Avenue, Lujing Bay, Export Processing Zone and International Container, which have laid a solid foundation for the rapid development of our business in the next two or three years.
2. Adhere to variety innovation and service innovation, and develop retail business in multiple directions. This year, the bank seized the key tasks such as collecting wealth management funds on behalf of customers, paying fees on behalf of rural power, and implementing VIP services, and made great efforts to fight the tough battle of local and foreign currency savings deposits, strive for valuable private customers, and vigorously market retail business. First, carry out standardized service process drills to improve service level and provide standardized services for depositors; The second is to increase the absorption of wealth management funds, grasp the characteristics that wealth management funds mainly rely on hard work, and all actors should effectively absorb the wealth management funds of neighboring merchants, village households and old customers. The third is to find out the large-cap stocks of Haicang, track them dynamically and absorb the funds returned from the stock market. The fourth is to launch a private business VIP service plan, open VIP priority channels, establish VIP customer files, implement differentiated services, and provide a package of financial services for valuable private customers; Fifth, increase publicity, transform Dongfeng by rural power grid and carry out the activity of "entering every household" for one month. All outlets actively participated in the activities, focusing on the transformation of rural power and payment cards, and mobilizing the whole bank to enter every corner of urban and rural areas by means of movies going to the countryside and business promotion, which increased the Bank's penetration into the rural business market, publicized its business and improved its social visibility. Through a series of fruitful work, by the end of the year, the bank's savings balance was about 654.38+0.5 billion yuan, an increase of about 0.58 billion yuan compared with the beginning of the year, and all tasks assigned by the branch were completed, with the highest growth rate in history.
3. Strengthen loan marketing, expand loan scale and continuously optimize credit structure. In order to enhance the long-term development potential, since the beginning of the year, the Bank has attached great importance to speeding up the loan marketing, actively trying to expand the loan scale and promote the company's deposit business and settlement business. First, high-quality customer loan marketing, aiming at PTA, Luxiang, Zhong Da, Tungsten Industry, Vito, Head Office and other key enterprises, increasing credit lines and actively marketing loans. The second is to increase the marketing of project loans, such as Haicang Avenue and Lujingwan Project. The third is to increase investment in low-risk loans such as mortgage loans and personal consumption loans. By expanding the increment, more loans will be invested in double-friend customers, thus optimizing the stock and realizing the effective adjustment of the loan structure. In the basic work of loan management, sub-branches strictly implement the early warning and forecasting system as the core, and comprehensively improve the management level of credit assets. First of all, strictly control the access of loans, adhere to the double-excellent strategy in loan issuance, and resolutely refuse loans regardless of whether they are loanable or not; Secondly, adhere to the classified management of loan customers, take the initiative to quit, gradually compress ordinary customers and take the initiative to eliminate inferior customers. Third, strictly implement the early warning and forecasting system of credit management, regard this work as the most powerful tool of credit management and the daily work of every account manager, and increase the assessment and reward and punishment of this work. At the end of the year, the balance of local and foreign currency loans of the whole bank exceeded 6,543.8 billion yuan, an increase of 300 million yuan over the beginning of the year. Among them, loans from excellent customers and low-risk businesses account for more than 90%.
4. Vigorously develop international business and increase intermediary business income. In view of the large number of foreign customers in Haicang and the high comprehensive quality of our international business practitioners, our bank attaches great importance to seizing the opportunity to develop international business. This year, the Bank further improved the quality and level of employees by strengthening the training of account managers. In terms of service, ensure door-to-door receipt, improve work efficiency and ensure work timeliness; At the same time, taking international settlement as the leading factor, actively expand financing business under import and export. In the international business marketing strategy, we should make full use of existing customers, continuously expand the group, focus on developing PTA's letter of credit business, and ensure the share; Strive to increase the original share of our key customers such as Luxiang and Weiduo; Achieve breakthroughs in international settlement of customers such as Deyan and Jindawei. By the end of this year, it is estimated that the bank's international settlement volume will reach US$ 260 million, foreign exchange settlement and sale will reach US$ 654.38 billion, international service fee income will reach RMB 3.5 million, and foreign exchange profit will reach US$ 450,000, totaling RMB 6.5 million, accounting for about 45% of the total profit.
5. Pay close attention to cleaning up non-interest income. Since the beginning of this year, our bank has made early arrangements and actions for Africa's interest collection and achieved remarkable results. First, strictly control non-performing loans that do not meet the requirements; On the other hand, as long as it conforms to the three principles of the revitalization law, it should be boldly revitalized. In response to the concerns of account managers about revitalizing old loans, the sub-branch reiterated that it should carefully examine and approve and strictly control them. Second, enterprises that conform to the principle of revitalizing branches should have a responsible attitude and be bold; If the account manager treats this problem negatively, the branch will deal with it seriously; The third is to clarify the key objectives of each stage, one household, one policy, increase the implementation progress, and follow up every day; Give a typical example of an enterprise that refuses to pay its debts and implements effective means of collection. Fourth, do a good job in collecting interest on agricultural loans. This income source is an important part of the Bank's interest rate hike in previous years, but the overall effect this year is not obvious; Fifth, actively collect interest owed by large households and interest receivable off the balance sheet. Through hard work, the bank's non-performing loans declined in the first half of this year. In the second half of this year, due to the adjustment of the loan form, it is expected that the number at the end of the year will increase by more than 4 million yuan compared with the beginning of the year. The comprehensive interest rate is expected to reach 97%, fulfilling the target set by the branch.
6. Strive to improve the level of capital operation and maximize profits. From the beginning of the year, the sub-branch requires the business department and the financial department to increase the analysis of the bank's capital operation every quarter and find out the solutions to the problems; The office also attaches great importance to saving expenses and strengthening cost control in administrative logistics support, and has formulated a series of effective measures, such as strengthening the control of vehicle expenses, water, e-mail and other business expenses, strengthening the management of business entertainment expenses and public miscellaneous expenses, and using money on the key to business development. Don't do unprofitable things in outlets, don't spend unprofitable expenses, and increase revenue and reduce expenditure in all directions. The business department also insists on daily monitoring and scheduling of funds in and out of key enterprises to optimize the utilization efficiency of positions and improve operational efficiency.
(2) Deepen reform, strengthen management, improve service quality, build a corporate culture brand with the characteristics of Haicang Agricultural Bank, and comprehensively enhance competitiveness.
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