The focus of the bank's operation is to persist in taking customers as the center and strive to promote the rapid development of business operations. The work of the bank president is also very complicated, so how should I write a summary of the work of the bank president? The following is the "Summary of the work of branch presidents" carefully compiled by me. More excellent articles are available. Welcome to read them. The content is for reference only. I hope it will help you! Summary of the work of the branch president (1)
Looking back on the experience of fighting and struggling with everyone in recent years, we have gone through an extremely difficult journey. Below, I will briefly report on my work in recent years from three aspects.
first, clear up the working ideas, establish the business strategy
do a good job in publicity and launch, and unify the thinking of the whole bank
At the beginning of the year, due to the impact of the separation of the Agricultural Development Bank and the decoupling of credit cooperatives, the people in the whole bank were unstable and the employees were depressed. I organized a group of Party Committee members to seriously review the past work. While fully affirming the experience and achievements, I also found out the problems such as loose internal management and no goal. On the basis of concentrating opinions from all sides, the general guiding principles of all work are put forward, namely, "strengthening management, strictly administering the business, laying a good foundation and creating famous brands".
in order to unify the thinking of the whole bank, in recent years, we have issued a general mobilization to the whole bank at the workers' congress to "strengthen management, strictly manage the bank, lay a solid foundation, create famous brands and create a new situation in all aspects of work"; At the deposit work conference, the bank issued a battle slogan of "aiming at the advanced, tapping the potential, regrouping, struggling hard and seizing the commanding heights of deposits with a brand-new mental outlook and posture"; In all the general party membership meeting, issued a "member to stand up, stand in the forefront of the construction of two civilizations, stand in the front row of workers" loud call. At the mobilization meeting of professional ethics education attended by all employees, the strict requirements of "love and be dedicated, abide by the law and discipline, and be a qualified employee of the Agricultural Bank of China" were issued. Through launching at different levels, the cadres and workers of the whole bank saw hope, enhanced their sense of urgency and crisis, and fully realized that only hard work can make a living. Leaders should be upright, employees should be ambitious, the team should have morale, and the knowledge that ABC should be famous should be firmly rooted in the hearts of every employee; Agricultural Bank of China wants last stand, the people of Agricultural Bank of China to stand tall, and the team of Agricultural Bank of China to be stronger. The brand of Agricultural Bank of China should be bright and determined to turn into the actual actions of every employee.
2. Clarify the main target, implement the famous brand strategy
Highlight the key points of work and promote business development
(1) Take savings deposits as a breakthrough and strive to improve the debt structure
At the beginning of the year, there were two difficulties that restricted our business operation. First, there were insufficient funds, the position situation was grim and the loan-to-deposit ratio case was out of balance. At that time, more than 23 million yuan was borrowed from inside and outside the system, with 1% in loan-to-deposit ratio. Second, the quality of credit assets is low and the level of interest collection is not high. At the beginning of the year, I organized members of the leading group to make a serious analysis of the situation at that time, and finally reached a * * * understanding, determined the business idea of "taking savings deposits as a breakthrough to promote the development of various businesses", put forward the resounding slogan of implementing the famous brand strategy, and combined with the actual situation at that time, endowed the connotation of famous brands with three simple contents, namely, building image, increasing functions and improving efficiency.
around the above ideas, we started with strengthening the software and hardware construction of savings offices, and successively reformed five savings offices, including the central savings office of the business department, which greatly improved the business environment and conditions. At the same time, quality and civilized services have been strengthened. The rules of civilized and high-quality service for business windows have been formulated, which have been strictly standardized from environmental facilities, instrument behavior, language cultivation to quality and efficiency. Taking the central savings office of the business department as a breakthrough, it has carried out all-round innovation and transformation from service time to service facilities, from service environment to service means. Subsequently, various places have launched innovative measures, and made bold innovations in terms of service concept, environment, facilities, functions, means and time. China Urban and Rural Finance once reported our bank at a long length in the second page, calling Donggang Agricultural Bank a "golden signboard in the hearts of depositors". The Financial Times also reported this story.
through the implementation of the famous brand strategy, the bank's savings and deposit work quickly opened up the situation and maintained a high growth rate continuously. In the past four years, * * * has increased its deposits by more than 5 million yuan, and paid off 23 million yuan of loans both inside and outside the system, and the loan-to-deposit ratio case has been controlled at an ideal level. In the meantime, we have also created many financial systems and even the first in the Agricultural Bank of Liaoning Province. For example, it is the first to introduce 24-hour service and bulletproof car door-to-door service in the financial system, and the central savings office is the first to step into the ranks of 1 million yuan savings offices in the county-level banks of the Agricultural Bank of China system in the province.
(II) Focus on credit management, strengthen infrastructure construction and strictly regulate management
First of all, strictly abide by the rules and regulations and strictly follow the requirements of the regulations. Over the past few years, we have strictly implemented the loan approval procedures, and every procedure has been strictly controlled. * * * The examination and approval materials returned to the premises by the credit management department to re-perform the formalities or fill in more than 6 times, and were returned to the credit management department by the vice president and president for more than 2 times.
Third, the status quo of work
First, various deposits have increased substantially, and the financial strength has been continuously enhanced. * * * increased deposits by 5 million yuan, accounting for 42.9% of the total deposits of the Agricultural Bank of China in 21 years, and the balance reached 1.165 billion yuan. Not only did it pay off 23 million yuan of loans inside and outside the system, but the maximum deposit in the superior bank reached more than 5 million yuan, and the debt structure was optimized.
Second, the credit management tends to be standardized and the loan structure is constantly optimized. * * * Increase loans by more than 11 million yuan, put in loans by more than 4 million yuan, and issued bank acceptance bills by more than 3 million yuan, all of which were invested in enterprises with high credit ratings and used for small loans. At the same time, the non-performing loans dropped sharply, and after deducting the factors of disbursing, the non-performing loans were revitalized by 136 million yuan, and the loan quality was greatly improved.
Third, new businesses are developing rapidly, and service areas are expanding. After four years of hard work, international business has grown from small to large, occupying half of donggang city. By the end of the year, the balance of foreign currency deposits reached 3.95 million US dollars, and the amount of international settlement reached more than 12.1 million US dollars. Intermediary businesses such as collection, payment and agency have also developed from scratch. Through rectification, the credit card business has also embarked on a steady and standardized road, with 3,771 cards issued and a deposit balance of 9.73 million yuan.
fourthly, the business situation is constantly improving, and the economic benefits are increasing year by year. Especially in the past two years, the loss reduction has been increasing, and the effect of increasing income and reducing expenditure has been remarkable. In, the interest income was 3.79 million yuan, and the loss was reduced by 1.23 million yuan, which was commended by the provincial bank. In 2, with the divestiture of more than 2 million yuan of credit assets, the interest income was 2.5 million yuan, a decrease of 21.59 million yuan over the previous year.
Fifth, great strides have been made in building spiritual civilization. The Party Committee was awarded the title of "Advanced Party Committee" by the Municipal Party Committee, and the Municipal Sub-branch was awarded the title of "Advanced Unit of Rectification, Model Unit of Safety and Civilization, and Model Unit of Health" by the municipal government for many times. The central savings office of the business department has successively won the titles of "Top Ten Savings Offices in China" and "National Youth Civilization" by the head office, and the business department has been awarded the advanced unit of window service by the provincial bank, and won the title of "March 8th Community Service Post" by the Provincial Women's Federation. Gushan Savings Office was awarded Youth Civilization by the provincial bank, and Gushan Office was rated as the winner of the window civilized quality service competition by the municipal branch; Wait a minute. Summary of the work of the president of the branch (II)
Leaders and delegates:
According to the requirements of the municipal branch, I hereby report my work since I was appointed as the president of the XX county branch of the Postal Savings Bank, for your comments.
Duty performance:
I came to work in XX county in February, 21. In April, 21, the XX county branch of the Postal Savings Bank was established, and I was appointed as the president of the branch. In the past eight months, as the head of the team of XX county branch, how can I effectively perform my duties, ensure that all the work of operation and management is in place, and strive to create a good internal and external environment? I always believe that as the "top leader" of a sub-branch, I should be responsible for my superiors, the enterprises, the team, myself and the 28 cadres and workers of the whole sub-branch. I can always unite the leading group, stabilize the internal environment, enhance external communication, strengthen basic management, innovate business ideas and promote the effective development of the work with a good mental state and pragmatic work style.
generally speaking, I will start from the following aspects:
(1) coordinate the formation of branches to ensure unity and stability
(1) straighten your position, communicate more when things go wrong, and report to the superior bank to create a harmonious situation. Second, with the strong support of superior leaders and leaders of county post offices, China Postal Savings Bank Xx County Sub-branch was established as the first county-level sub-branch in Hanzhong on April 8. Third, we successfully received two first-class outlets and 28 employees, and worked hard to do a good job of unity and stability. Fourth, according to the requirements, three departments, namely, comprehensive management department, comprehensive business department and accounting department, were set up, and the department managers were openly selected to ensure the normal development of all the work of the sub-branch. Fifth, we cooperated with the Post Office to carry out the educational activities with the theme of "* * * strives for development and * * * creates the future", and organized colorful ideological education activities and labor competitions to ensure the sustained and steady development of various financial businesses led by postal savings in the sub-branch and continue to provide support services for the overall development of postal finance in XX county. Sixth, on the issue of principle, the insistence needs to be flexible after reporting to the superior bank. At the end of December, the treasury duty work will be smoothly handed over to the postal duty according to the documents.
(II) Focus on business development and improve operating efficiency
As the person in charge of the sub-branch and the leader of the postal financial business in XX county, I feel under great pressure. Facing the new environment and situation under the influence of the postal system reform, the 5.12 Wenchuan earthquake and the financial crisis, I have always taken it as my responsibility to strengthen and expand the postal financial business in XX county, leading the cadres and employees to unswervingly focus on development and improve efficiency wholeheartedly. Through the unremitting efforts of all the cadres and workers, the postal financial income was 17.813 million yuan, up 37.64% year-on-year, and the bank itself realized income of 5.9364 million yuan, accounting for 33.33%, and the scale and efficiency increased simultaneously.
1. Always adhere to the liability business and agency business as the foundation of the bank.
on the basis of gradually reducing the cost, the savings business has continuously accelerated the transformation of the growth mode, continued to increase the investment in people, money and materials for key windows, key time periods, key customers and key projects, and paid close attention to the scale development. First, the business department is required to carry out colorful labor competition activities in combination with the characteristics of capital flow in different periods to mobilize the enthusiasm and urgency of people at all levels to develop savings business. Second, vigorously advocate the continuous development of collection and payment business, green card business, and the deployment of Chinese business alliances to achieve the scale of demand deposit fund transactions, and gradually achieve the goal of adjusting the deposit structure, customer structure and incremental structure. Third, actively implement the strategy of "in-depth training, multi-directional publicity and characteristic service", and strive to promote the scale and efficiency of sales of agency insurance and wealth management products to a new level. Fourth, we should pay attention to window service. When there are many low-end users in the window, we should increase the number of desks, strengthen the functional orientation of lobby managers, set up agricultural subsidies payment and agency business counters to guide window customers, and improve service efficiency, service ability and service quality. In the whole year, the balance of postal savings in XX County increased by 316 million yuan, and the balance at the end of the year reached 1.258 billion yuan, ranking second in the city's absolute net increase, with a market share of 38.13% and a new market share of 72.66%, ranking first among all financial institutions in the county. Among them, the balance of bank self-operated outlets reached 388 million, accounting for 3.87%. The annual agency premium was 39.3634 million yuan, ranking second in the city, of which the agency premium of self-operated outlets of banks was 5.155 million yuan, accounting for 13.9%; In the whole year, the sales of wealth management products were 12.945 million yuan, and the sales of wealth management products by self-operated outlets of banks were 11.578 million yuan, accounting for 89.43%.
2. Always adhere to the asset business as a "forced pillar".
whether the asset business can quickly expand the market and establish a reputation is the growth artery of postal financial business income in the future. The small-sum pledge loan business continued to rely on extensive window publicity and the policy of benefiting farmers from poverty alleviation offices, and maintained a strong growth momentum. The accumulated small-sum pledge loans were issued in the whole year, with 43,58,7 yuan, ranking first in the county bureau of the city and leading the province, including 23,712,9 yuan for poverty alleviation loans and 17,928,3 yuan for small-sum pledge loans developed by self-operated branches of banks, with 6,25,4 yuan for poverty alleviation loans, accounting for 412.% respectively. Since the establishment of the micro-credit business ×× County Sub-branch as a pilot county in Hanzhong City, I have always insisted that business personnel should learn to be strong in quality, treat customers sincerely, build an image of honesty, and seriously participate in verifying every customer's information and participating in every loan review meeting to ensure the efficient, high-quality, sustainable and healthy development of credit business. The business department organized and planned various forms of in-depth publicity activities such as TV advertisements, China Post special delivery advertisements, exhibition boards and wall advertisements. In October, a symposium between banks and enterprises was organized. Postal microfinance won the hearts of the people because of its simple procedures, fast lending and low cost. It was also highly praised by the relevant leaders of the county party committee and county government. In the whole year, it issued 9.655 million yuan of microfinance, ranking first among county branches in the city, with a balance of 7.184 million yuan at the end of the year.
3. Always adhere to corporate business as the "source of wealth".
The characteristics of "low cost and high income" of the company's business show great potential for increasing income. Xx County is a large agricultural county, and there are very few benign enterprises operating independently. The company's business fields have been competed by five banks, including Agricultural Bank of China, ICBC, China Construction Bank, Agricultural Development Bank and Credit Cooperatives, and it is extremely difficult for the Postal Savings Bank to directly occupy a place. Therefore, our branch has targeted the agency and financial funds that have established cooperative relations with the postal service. The company's business mainly depends on relationship marketing. As the president, I took the lead, and arranged full-time account managers to maintain the relationship with the Finance Bureau and other related units for a long time. In the special marketing activities to strive for the early transfer of funds for the transitional households returning farmland to forests, I personally led the business personnel to the Finance Bureau and the Agricultural Development Bank for many times to coordinate various relationships, and finally transferred all the funds from the Agriculture and Forestry Branch of the Finance Bureau to the Bank, which laid a solid foundation for the early transfer of special funds in 29. The People's Bank of China is also very principled in the normal operation of our company's business, participation in exchange in the same city, and approval of special financial accounts. In the end, I gradually established a good relationship with the People's Bank of China through various aspects of coordination and rationalization. The company's business did not make a special contribution to the city branch at the end of the year, but I have accumulated some work experience through the early exploration and practice. I am confident and determined to make the company's business truly become another source of power for the income growth of XX county branch.