Self-assessment of bank president’s work
Self-assessment is conducive to self-summary and then self-reflection and self-improvement. Here is the self-assessment of bank president’s work that I have compiled. Let’s take a look at it together. Bar.
Dear leaders and comrades:
Hello everyone! The work in 20xx has ended. With the correct leadership of the provincial and municipal branches and the active cooperation of all employees, the 20xx year was successfully completed. Various work tasks. I was able to conscientiously perform my duties and successfully completed the various tasks I was responsible for. The work of the past year is reported as follows from the following aspects, and leaders and comrades are invited to comment.
1. Performance of job duties:
Be conscientious and responsible and do a good job in the development of postal financial business of ** County Branch. At the beginning of the year, based on the spirit of the provincial and municipal work conferences, combined with the actual situation of our bank, and in accordance with the unified arrangements of the ** County Post Office, the overall financial business development was arranged and deployed on a quarterly basis. With the hard work of all employees, it was successfully completed Various business indicators.
As of the end of 20xx, the county's postal financial business has achieved a cumulative business income of 5.3361 million yuan (1.5170 million yuan for first-class outlets), completing 83.38% of the annual planned income of 6.4 million yuan, of which savings income has completed 5.1205 million yuan (1.4413 million yuan) yuan, exchange income was 171,400 yuan (36,800 yuan), loan income was 642,800 yuan (286,800 yuan); savings interest spread income was 3,487,500 yuan (546,300 yuan), accounting for 54.5 (36.01)% of the total income, and non-interest spread income was 184.76 yuan. (97.04) million yuan, non-interest spread income accounted for 34.64 (63.99)%.
As of the end of 20xx, the savings balance reached 360.70 (58 million) yuan, with a cumulative net increase of 49.67 (15.5 million) yuan, completing 99.35% of the annual net increase of 50 million yuan plan issued by the municipal bureau; the current balance reached 7010 (13.45) million yuan, a net increase of 8.86 (5.73) million yuan, completing 44.3% of the annual plan of 20xx million yuan, and the current ratio reached 19.44 (23.18)%; a total of 19,600 () green cards were issued, completing the annual goal of 13,300 141%; the number of account-based issuance accounts increased by 894, completing 47% of the annual planned 20xx accounts; agency insurance completed 3.585 (452) million yuan, completing 42.18% of the annual planned 8.5 million yuan; small-amount loans were completed 1xx3 ( 234) 41xx.99 (13.1770) million yuan, completing 158.04% of the annual plan of 26 million yuan; treasury bond sales were 122.401 (80 million) yuan. The SMS business developed 3,957 households, and canceled 1,737 households, with a net increase of 2,220 households, completing 71.61% of the annual plan, and 50 small credit loans totaling 3.376 million yuan were issued.
(1) Reform and management work were promoted in a coordinated manner, and the company maintained normal operation.
**The county branch completed the establishment of the county branch and the listing of the bank in April in accordance with the unified arrangements of the city branch. The relevant license plates, certificates and licenses for all secondary branch outlets in the county were completed. Complete the replacement and activation of the external business seals of all branches and the listing of bank outlets by May.
As of September, the branch has a total of 13 people, all of whom are on duty. In order to strengthen responsibilities, straighten out the smooth command, coordination and feedback system from top to bottom, and improve work efficiency, the county branch established an executive committee, established a comprehensive management department, a comprehensive business department and a comprehensive accounting department, and set up a credit business department and a business department. Department, in accordance with the "T-shaped scheduling method" and "flexible work system" and based on the actual situation, the personnel have been readjusted and reasonable part-time jobs have been implemented. Each department and position has its own duties, so that there are people to manage and grasp things, and the company Maintained normal operations.
(2) Persist in enlarging the business scale, and the postal savings balance has grown steadily.
At the beginning of the year, our bureau issued a savings development target plan for each outlet, and formulated and issued savings business assessment methods based on business development needs and local conditions to guide the development of savings business; and carried out different forms of savings business in a timely manner every quarter. Labor competition activities: such as "Work hard in the first quarter and achieve a good start in the first quarter", "Fight hard in the second quarter and achieve more than half of the time and tasks" and other labor competition activities; in response to the downturn in the capital market this year, we carried out activities to reward old customers, We carried out major customer acquisition activities such as deposits and gifts; we strengthened the classified guidance of each outlet, and the county bureau business hall, Daping, Yunzhen, Miliang and other branches exceeded the planned tasks; and established models through notifications, and carried out TV advertisements, wall Savings promotion activities such as advertising and deposit gifts have promoted the steady growth of our postal savings balance.
(3) Accelerate structural adjustment and vigorously develop intermediary business.
Since the beginning of this year, the rate of return on new funds from the Postal Savings Bank has been continuously declining. Coupled with the gradual transfer out of old deposits from the People's Bank of China and the multiple increases in the interest rate of national savings deposits, our bureau is facing tremendous pressure in completing its financial business income. Therefore, the overall situation advocates vigorously developing intermediary businesses such as current deposits, cards, funds, text messages, collection and payment agencies, and insurance agencies to make up for income arrears. The first is to seize projects and collect demand deposits. Arrange the person in charge of the Reserve and Foreign Exchange Department and urban outlets to conduct a thorough survey of the store and collect the store's operating proceeds; take advantage of the opportunity of the local specialties being launched to collect sales of agricultural and sideline products; seize the opportunity to collect the sales of buildings and land expropriation. The second is to accelerate the development of green card business. At the beginning of the year, we seized the opportunity for migrant workers and students to return home, and carried out a business promotion campaign "A Letter to Migrant Workers" across the county according to the arrangement of the Municipal Bureau. In the current period, 1,232 cards were issued.
Since the second quarter, we have carried out household surveys on financial business, focusing the issuance of green cards on migrant households, business households and the construction of green card villages and towns. More than 10,000 business leaflets have been issued to key towns and villages. 15 new green card villages were built, issuing cards to 3,230 households; in the third quarter, the focus was on the issuance of nomination cards for college entrance examination students. A total of 19,600 cards were issued annually. Driven by the development of the green card business, the fee income from cross-region transactions has grown rapidly, and the fee income from cross-region transactions for the whole year was 315,500 yuan.
The third is to increase the development of collection and payment services. On the basis of continuing to do a good job in distributing family planning incentives and pensions and collecting oil payments, we will continue to improve service quality and consolidate market share. This year, through market development, the number of households visited and sold by tobacco electronics has gradually expanded, and wages and bonuses have been distributed to 898 households in the county middle school, No. 2 middle school, China Unicom Company, local tax bureau, insurance company and other units. The annual cumulative revenue from collection and payment services was RMB 118,500. The fourth is to increase the development of agency business. Throughout the year, 3,957 SMS users were developed, with a total of nearly 10,000 users online; insurance agency services amounted to 3.582 million yuan, and treasury bond sales totaled 122.401 million yuan. The agency business has achieved a cumulative annual income of 1.3131 million yuan.
(4) Enlarge and strengthen the asset class business.
Since the beginning of this year, we have adopted a proactive strategy in response to the transformation of the savings business, which requires that while developing the balance scale, we should also focus on the development of new businesses and asset-based businesses to make up for the lack of income. The purpose is to increase the proportion of non-interest spread income. As of the end of December, our bureau’s non-interest spread income and loan income accounted for 34.64% of the total financial income. In terms of loan business development, our bureau has formulated a key project for business development this year. Detailed business development assessment methods fully mobilize the enthusiasm of outlets to develop business. While doing a good job in normal business development, they focus on driving an increase in loan volume through projects, focusing on poverty alleviation loans and unemployment discount loans, and increasing supervision of projects. Implement and guide the development of outlets and achieve good results.
By the end of December, small-amount disbursements reached 41xx.99 million yuan, and the income reached 598,000 yuan. The completion of tasks and income realization led the city. Among them, the amount of poverty alleviation and laid-off interest discount loans reached 10.9276 million yuan, accounting for 10.9276 million yuan. The loan amount exceeds 24.5%. By issuing poverty alleviation loans and unemployment subsidized loans, it has effectively promoted the development of the loan business and improved the postal service's position in supporting local development and serving agriculture, rural areas and farmers. It has been recognized by the government and praised by customers, and has improved the postal loan business. popularity, and reputation.
1. A total of 293 poverty alleviation interest subsidies were distributed to 293 households, worth 5.1976 million yuan; a total of 46 payments, 46 households, and 1.1 million yuan were recovered; the year-end balance was 247 times, 247 households, and 4.0976 million yuan.
2. A total of 203 unemployment subsidy payments, worth 5.73 million yuan to 203 households, were distributed in the year; a total of 50 payments, 50 households, and a total of 112,000 yuan were recovered; the year-end balance was 153 payments, 153 households, and a total of 4.618 million yuan.
3. The county has jurisdiction over 25 towns, 204 administrative villages, and 64,733 rural households. There are 2 credit villages and 49 credit users.
4. Small-amount business ** County Branch has lent a total of 1,066 small-amount loans worth 40xx.93 million yuan, completing 1154.19% of the annual planned task of 26 million yuan, with a loan balance of 16.7952 million yuan to 542 households, that month It has granted 111 loans of 4.2857 million yuan, ranking first in the city's postal financial system in terms of cumulative loan volume and loan balance.
5. Microcredit loan business
Since the microcredit loan business was officially launched on September 3, as of December***, 50 small loans have been issued, with an amount of 3.376 million yuan, with 47 balances worth 3.296 million yuan. Among them: 9 loans to farmers worth 205,000 yuan, and 41 loans to merchants worth 3.171 million yuan.
6. Support the development of “one village, one product”.
In order to promote the small loan business of ** County Branch to support the development of "One Village, One Product" work, on the morning of December 18, 20xx, ** County Branch opened a loan in Yunzhen Village, Yungaisi Town, ** County An on-site loan disbursement meeting for farmers was held. Xing Guangyang, Secretary of the Party Committee of Yungaisi Town, Tian Feng, Chairman of the People's Congress of Yungaisi Town, Hu Haiyan, Director of the Agricultural Technology Station, Hu Yingping, Head of Yunzhen Village, village cadres, all staff of the Credit Department of ** Sub-branch and local villagers participated in the on-site loan disbursement At the meeting, three joint guarantee loans of 45,000 yuan to farmers were successfully issued. ** County TV station also participated in the on-site meeting and conducted news reports on the on-site meeting. After the on-site meeting, loans of 205,000 yuan were issued to 6 farmers. Preparatory work has been carried out for the construction of credit villages in Jiezi Township and Huilong Town, and substantive lending work can begin in 20xx.
(5) Implement cost reduction and efficiency improvement, and continuously standardize business management.
First, timely adjust business development costs and expenses based on market revenue conditions, and strictly review business expenses. Second, the management of reserves has been strengthened to ensure that reserves do not exceed limits. The third is to reduce funds in transit and improve the efficiency of fund use. The fourth is to standardize the payment workflow of outlets and banks, reduce artificial arrears of funds, and shorten the capital turnover time.
(6) Actively promote the hierarchical responsibility system and strive to improve the level of management services.
First, the staff of the Reserve and Foreign Exchange Department have been divided into responsibilities for each business and each outlet, so that each business and each unit has someone to manage everything, and someone to supervise business development; the second is to strengthen Management of branch directors. Regularly and irregularly discuss business development with the branch director, review branch meeting minutes, basic information and accounting status, and require the branch director to take the lead in reviewing labor discipline, business skills, service quality, assets, low-consumables, fund security, interest distribution, etc. Manage the branches well; the third is to strengthen the team building of the outlets, improve the quality of personnel and enhance cohesion.
By convening multiple branch business development review meetings, business skills training meetings, technical competitions and selecting advanced models, we have continuously improved the ideological quality and professional quality of our personnel. The fourth is to implement the image project construction, and the service capabilities and levels have been significantly improved. Two new automatic teller machines were installed in urban outlets, and the window hardware environment was improved; various forms of service education activities were carried out, and a joint and several accountability system for service quality was implemented to make employees think about users and create business opportunities through service. Enhancement has promoted the continuous improvement of window service quality.
(7) Strengthened fund security management.
First, the branch directors are convened from time to time to hold fund security meetings to point out the security problems existing in the branch and make rectifications within a time limit; second, fund security liaison meetings are held regularly to analyze potential risks of fund security and identify the person responsible for rectification. Third, a number of special rectification activities were carried out.
Throughout the year, 162 on-site inspections, 42 off-site inspections and 20 surprise inspections were carried out; collection and payment services, agency funds, "Jinyan Six Ones", "no-discount withdrawals, no-discount transfers, false loss reports", special Special inspection activities such as business processing and implementation of third-level authority. Fourth, job rotation work was carried out. Based on the monthly changes in staff thinking, staff who have not been rotated for a long time and who may have potential financial security risks are rotated. Fifth, give full play to the electronic audit function. The auditors analyze the warning information in a timely manner and arrive at the site for inspection of major risk warnings in a timely manner, effectively improving the timeliness of financial risk control. Sixth, we will carry out warning education activities for employees from time to time, and listen to lectures on "preventing occupational crimes" by experts from the procuratorial organs to improve the awareness of professional ethics among employees. Seventh, branches are equipped with deposit certificate authenticators and ID card authenticators, which effectively prevent the occurrence of counterfeiting and fraud cases and ensure the safety of funds.
2. Put people first, focus on thinking and further consolidate the foundation for enterprise development.
People are the most active factor among the factors of productivity, and the foundation of enterprise development lies in relying on all employees. Based on this understanding, our branch regards mobilizing people's enthusiasm as an important task on the basis of people-oriented, respecting knowledge and respecting labor, comprehensively mobilizing the enthusiasm and initiative of employees and laying the foundation for development.
First, put people first, focus on thinking and enhance the cohesion of the enterprise. In the critical year of postal reform in 20xx, the ** County branch was just established in April this year. In order to unify the thoughts of employees with the development of postal finance, and in response to the confusion among employees, we carried out formal task education and education to emancipate ideas, as well as branch branch market information, and put a series of situations such as the branch's revenue, expenditure, and operations in the In front of the employees, he showed his family fortune and let everyone settle accounts, allowing everyone to further understand the difficulties and opportunities currently faced by the Postal Savings Bank. It was clear that development is the last word. Without development, there will be no food. It stimulated the employees' sense of responsibility and urgency, and educated them to establish The sense of ownership of "the company relies on me to develop, and I rely on the company to survive" has created a good atmosphere in which everyone works together and works together to seek development.
The second is to strive to improve the execution ability of employees. In order to clarify the responsibilities of employees and in accordance with the needs of reform, the county branch established an executive committee and established a comprehensive management department, a comprehensive business department and a comprehensive accounting department, with a credit business department and a business department under it. According to the "flexible work system", Based on the actual situation, the personnel were readjusted and reasonable part-time jobs were implemented. Each department and each position performed its duties, so that there were people to manage and grasp things. A regular meeting is held every week to review the work of the previous week and arrange the work for this week; implement a business analysis system and issue a business analysis every month to analyze this month's business conditions, existing problems and next steps; in In terms of business development, a 10-day notification system for employee tasks has been implemented, thereby enhancing the pertinence of the work.
The third is policy guidance and positive incentives. In XX, the formulation of assessment and reward methods such as business assessment methods and individual business reward methods reflected the guiding ideology of focusing on positive incentives, supplemented by assessment, and negative encouragement. Employees' enthusiasm for business development has been further enhanced.
The fourth is to strengthen the work of clearing assets and capital. In 20xx, the ** sub-branch was just established, and the asset relationship between the bank and the postal service was unclear. In order to clarify the assets, the sub-branch's asset financial accounts were established, and the person in charge and the custody user were clarified. In principle, "who uses and who keeps the assets is responsible." ”, ensuring the integrity of bank assets.
3. Strengthen learning and continuously improve one’s own quality.
First, strengthen theoretical study and strive to improve ideological quality and management capabilities. I always regard learning as a political task. I insist on watching the news and newspapers every day, and keep abreast of the relevant spirit and work dynamics of the local and municipal bureaus in order to improve my theoretical level and improve my ability to analyze and solve problems from reality. ability; also persist in learning new postal business knowledge and focus on applying what has been learned. The second is to study "China Post", "Financial Research", "Xi'an Finance" and other books based on actual work needs to expand knowledge and broaden horizons. The third is to strengthen the study of financial business knowledge, completed the study tasks of the financial management postgraduate training course jointly organized by the Provincial Bureau and Xi'an Jiaotong University, passed the financial practitioner qualification examination, worked hard to learn financial business, and improved their financial knowledge and management level.
4. Integrity and self-discipline.
As a young cadre, smooth growth is my first consideration. I am very determined in terms of integrity and self-discipline. Over the past year, I have been able to consciously abide by the regulations of party committees at all levels regarding the integrity and self-discipline of leading cadres. I always ask myself to be self-disciplined by laying hands on my hands and self-disciplined by the system. I will never do anything that my superiors stipulate not to do. I always check my words and deeds and do them. To self-respect, self-examination, self-policing, and self-motivation. Be able to strictly demand yourself at work and correctly handle the relationship between corporate interests and personal interests; when it comes to major issues such as personnel and employee economic interests, adhere to the system of centralization and never make arbitrary opinions in private; when considering problems and handling In the work, whenever employees are required to do it, they must do it first and always be consistent inside and outside; they must strictly demand themselves to maintain a diligent and thrifty life style in life and oppose extravagance and waste.
5. Problems and deficiencies in the work:
Over the past year, with the education and training of the leaders and the support of all cadres and workers, I have performed my job responsibilities better and also Some progress has been made. However, due to my limited level, there are still many shortcomings and problems in my work:
1. Problem-solving ability needs to be improved. In daily work, I can persist in starting from reality and discover problems existing in my work. However, due to my limited practical ability and experience, I cannot solve some problems well. For example: The reason for the uneven development of savings business this year can be found, but it cannot be solved well.
2. Working methods need to be further improved. Adhering to principles and acting impartially are the tenets of my work. However, due to lack of work experience, sometimes the working methods are relatively simple, resulting in individual employees being unable to understand them and creating an illusion. For example: when reviewing business expenses, we adhere to the principle and do not allow any posting behavior to occur, and do not have the patience to explain the work well, resulting in the dissatisfaction of individual employees.
3. The work requirements are a bit too high, there are too many criticisms of comrades, little praise, and a lack of in-depth and detailed ideological education work, which can easily hurt the feelings of comrades.
The above is a review and summary of my work in 20xx. Everyone is welcome to provide valuable opinions on my work. In the new year, I will do all the work down-to-earth with gratitude, greater enthusiasm, and a fuller mental state, serve as a good adviser to the leaders, and set a good example for my work. I firmly believe that under the correct leadership of the Municipal Bureau and the Municipal Branch, the whole team will work together and work hard together to achieve greater success for **Postal Finance.
Thank you everyone! ;