Personal Year-end Summary of the Bank in 2022:120 _ _ _, the Bank carried out marketing work according to the work priorities and plans formulated by Zijin Head Office, and maintained the sustained, rapid and coordinated development of e-banking business with the attention of bank leaders and the cooperation of various departments and outlets.
I. Complete all tasks assigned by the Municipal Branch.
In 20 years, 45 corporate online banking tasks were completed, and 49 were actually completed, with a completion rate of 108.89. 20 online banking tasks for individual customers were actually completed 12345, and the completion rate was12345; Of the 20 tasks of public telephone banking, 22 were actually completed, with a completion rate of12345; Personal telephone banking task 12344, actually completed 1234, completion rate1244; The number of tasks for mobile banking customers is 12345, and the actual completion is 145, with a completion rate of 2445; Online banking transaction amount 12345 yuan, actually completed, completion rate 12345 yuan; Telephone banking transaction volume plan 12345 yuan, actually completed 1345 yuan, completion rate1345 yuan; E-banking intermediate income task 1.345 yuan, actually completed 1.245 yuan, completion rate 1.2345 yuan; The number of electronic banking transactions in the whole year was 123. At the same time, I worked overtime to complete several e-banking business upgrades and tests for free.
Two, Qi Xin to do a good job in the marketing of e-banking.
1. The Bank designated the corporate banking department as the liaison department for e-banking business, providing technical services and being responsible for the marketing, installation and daily maintenance of e-banking business. All outlets under their jurisdiction should make joint efforts to do a good job in publicity. Due to the development of e-banking business, a lot of counter pressure has been relieved for our bank.
2. The business department provides business support for electronic banking, specifically dealing with the business processing of electronic banking, such as information entry, landing processing, online printing, business card printing, charging, customer consultation in business, etc. And do a good job in handling various electronic banking businesses according to the system.
3. As the inspection, supervision and business training department of accounting settlement, the accounting settlement department will provide business training and system implementation for its subordinate branches to ensure the safety and risk control of our electronic banking business.
Third, specific measures.
1. Strengthen marketing efforts to improve the reputation of our e-banking brand. First of all, the deputy manager of the company's business department is responsible for the marketing of the bank's e-banking, and a full-time e-banking staff is set up in the company's business department to contact the online banking practice units to handle the maintenance of the after-sales system of the public online banking, so as to ensure the steady development of the bank's e-banking.
2. Strictly control the accounting quality and guard against capital risks. E-banking business has been subject to operational procedures and standards since it began to accept the application materials from customers, and there are risks in every link. Banks require managers to handle business in strict accordance with procedures and systems, and establish assessment mechanisms such as inspection, notification, rewards and punishments. Maintain the safe operation of our e-banking business.
3. Strengthen training to improve the professional level and comprehensive quality of employees. Our bank is training different departments according to the different needs of e-banking. For example, for the business department of the company, our bank focuses on introducing various brand names, product functions and problems needing attention in the marketing process of e-banking to employees, so as to improve their marketing ability. This paper mainly introduces the operation process, rules and regulations of electronic banking in various outlets to improve the business handling ability of employees. So as to comprehensively improve our service means and reduce the pressure on the counter.
4. Strengthen contact with enterprises and solve problems in time when found. In addition to the special person in charge of the bank, the bank has also incorporated the introduction of e-banking business into various bank-enterprise meetings, which is responsible for answering customers' questions, such as e-banking charges and security issues that customers care about, and at the same time instilling e-banking business knowledge and new business varieties to customers to improve the practical functions of e-banking business.
Fourth, the main problems
Over the past year, our e-banking business has developed well on the whole, but there are still some problems:
1, some indicators are completed slowly. For example, the task completion rate of personal telephone banking is only 12345, which is still far from the task completion.
2. The enforcement of the system needs to be strengthened. The bank's personnel change frequently, and when there is personnel change, the probability of business mistakes will increase.
3. The promotion and application of business need to be strengthened. Although the Bank has completed various tasks assigned by the municipal bank, such as the development of online banking for corporate customers has been overfulfilled, some customers still have concerns about the actual use of online banking.
20__, the tasks assigned by the municipal branch will definitely exceed this year's tasks. On the basis of this year's work, sum up experience, innovate management, standardize development and guard against risks.
1. Carefully arrange and implement the tasks assigned by the municipal branch for 20 years.
2. Continue to promote performance governance and promote the overall improvement of e-banking business performance.
3. Improve the marketing level of marketers.
4. Intensify study and training, so that every employee can meet the needs of comprehensive business.
One year has passed since the personal year-end summary of the bank in 2022, and I know that my work this year is over. I have grown a little during my year in the bank. I am more and more familiar with my work. With this year's work, I have more experience and more confidence in myself. Now I will summarize the work of this year as follows:
I. Introduction to the work situation
My position in the bank is a front desk teller, specializing in saving services for customers and handling deposit and withdrawal procedures for customers. In the whole year's work, I served xx customers every day, and the money deposited in the bank for customers reached xx million yuan, and the money withdrawn reached xx million yuan. At work, customers have questions, and I will answer them patiently and accurately so that customers can receive the information in time, which also attracts many customers to deposit money in our bank. Although the work is a bit boring, I also try my best to help the bank run normally, cooperate with everyone, do all the teller work well, give customers a good impression and give leaders a satisfactory result.
Second, standardize operations and improve service levels.
When I was working this year, I paid more and more attention to the standardization of operation, because I found that the more standardized the operation, the faster I handled all kinds of business, and the higher the customer's satisfaction with me. For this year, my job in the post is to constantly standardize the operation, standardize the process, and make every step of the operation as accurate and serious as possible. Serving customers is also paying more and more attention to customer feelings and treating customer requirements. What I can do will be realized seriously, and what I can't do will be put forward to the leader, and the customer's requirements will be fulfilled under the guidance of the leader. Every time I face my customers, I smile, face them with the most sincere face, and let them trust me.
Third, keep learning and improve your business level.
This year, even though I have several years' working experience, I understand that the times are always changing, so I will buy or borrow new books related to my work in the new year, that is, constantly enrich my theory, so as to deal with the changes in my work in time and give customers accurate information when handling business for customers. I also learn from more outstanding people in this field to improve my professional level and ability, so as to better serve my customers and the development of our bank.
In a word, in this year's work, I have grown twice. I am more determined to work, and I love the job of cashier more. I want to do better now, so in the coming year, I will still work harder to make my own work plan for the new year and open up a new world for my future work.
My name is xxx, and I am an ordinary teller in xx Bank. Over the past six months, with the leadership of the leaders and the support of my colleagues, I have made good growth and achieved today's results. The key is to thank my superior leader, who taught me to be careful when I first started working. Secondly, I want to smile at everyone, including yourself. The following is a summary of my personal work.
I. Ideological construction
I always remind myself to be strict with myself and set an example. Constantly strengthen political and ideological study, be positive and forge ahead.
Second, the work attitude
People say: Dedicated service is a connecting line between the people and our counter staff. Since my work, I have dealt with countless work problems, worked overtime and handled emergencies to protect the interests of Bank of Communications customers. This is the fine style of our bank of communications counter staff. From work to now, I have been working hard for the first goal of my life and being a bosom friend of Bank of Communications customers. My blood boiling in the past six months, my boldness and prudence in doing things, and my work experience of focusing on the overall situation have made me grow faster.
I have never forgotten that setting goals is the motivation that motivates me to work hard. As a member of xx Bank, I always stick to my post, always serving the people and thinking for the people. With my fiery youth, I dedicated an ordinary teller's infinite loyalty and love for customer service and won high praise from the leaders of Bank of Communications.
Third, daily work
My daily work is mainly responsible for individual customers' deposit and withdrawal, account opening, contract signing, transfer, foreign currency exchange and so on. Be brave in practice, pioneering, honest and self-disciplined, work hard and serve warmly. For some customers who encounter difficulties, we will help them solve practical difficulties with the concept of warm service. In dealing with the work, we should be diligent and conscientious, and we should patiently and meticulously explain the folks who do not cooperate or understand the work. At work, in case of unexpected events, he always appears on the scene in time and gives strong work support to customers. Give full play to your young advantages and technical expertise, actively cooperate with our counter work requirements, and sometimes work overtime for the progress of work and work in the office for several hours. When you are tired, you will have a rest in the office. Although I work overtime, I seldom take vacations, so I concentrate on my work.
I remember one time, I was catching up with my relatives' house, and I had a rash and a high fever of 40 degrees. However, there was something wrong with the counter work two days ago, so I have to go back and solve it immediately. As a glorious banker, when I think of the spirit of Bank of Communications, which is not afraid of hardship, serious and responsible, and everything is for customers, I will feel that my whole body is full of powerful motivation. I firmly believe that nothing is difficult in the world. As long as I am willing to climb, I will persist in returning to work regardless of my illness and continue my unfinished work. In the end, many things happened and I gradually grew into an excellent bank talent. In the days to come, I will pursue better results in the coordinates of life with high standards and practical actions according to my own life beliefs.
Bank of Communications is where I grew up. This fertile soil has nurtured me and nurtured me. I appreciate everything that has been given to me here. In the future, I will, as always, move forward step by step and make my new contribution to the development and take-off of Bank of Communications.
The year-end summary of personal banks in 2022 is coming. Looking back on this year, I have always adhered to the life creed that nothing can be accomplished, followed the pace of the leadership team of the branch in my work, and completed all the work well around the work focus of the branch. With wisdom and sweat, I have embodied the spirit of dedication and selfless dedication with actions and effects. Let me summarize my work in xx years from three aspects:
First, correct thinking, face difficulties, and always maintain an efficient working state.
I always set up the idea of customer first in my work, regard the customer's affairs as my own, worry about the customer's urgency, think about the customer's thoughts, require myself to have a strong sense of professionalism and responsibility in my work, work hard, never pick and choose, avoid the heavy, treat every job wholeheartedly, complete it on time and with good quality, and always adhere to high standards, strict requirements and care for myself in my daily work. In order to accomplish all kinds of tasks, I spare no expense in my spare time and devote all my time and opportunities to serving customers, making friends with customers and making friends that customers are willing to associate with. Through my unremitting efforts, I handed in a satisfactory answer sheet for myself during my work in xx years.
Two, combined with the actual situation, pay close attention to implementation, and strive to complete the task successfully.
In the process of serving customers, I put my heart and soul into my work, making the simple and boring service work colorful and truly embodying the concept of customer first. In the process of dealing with customers, we should truly treat each other with sincerity, regard the interests of customers as our own, understand customer trends, know customer thoughts and desires, and recommend tailor-made financial products for each customer. What makes me most gratified is that the customer also got it.
Third, study hard, keep forging ahead, and comprehensively improve their professional quality.
As a _ _ person, sometimes the service is not patient enough and needs to master a lot of knowledge. In the future work, I will consciously strengthen my study, learn from theory, learn from professional knowledge and learn from my colleagues around me, further improve my theoretical level and business ability, especially my business knowledge of financial management, and comprehensively improve my comprehensive business knowledge. Overcome youth and impatience, be down-to-earth, improve the initiative of work, be not afraid of doing more things or doing small things, improve and improve yourself in bit by bit practice, never be complacent and arrogant because of a little achievement, but keep a clear head, keep pace with the times and create greater glory. At the same time, constantly improve their political literacy, strengthen the sense of purpose of serving customers, and strive to become a more qualified person.
There is a career that needs youth and ideals to pursue, and there is a pursuit that requires hard work and hard work. I hope that my financial career will always be young, magnificent and prosperous.
Personal year-end summary of banks in 2022 5. Post adjustment at the beginning of the year. Now I have changed from an ordinary employee to an accountant in charge, and the pressure has increased accordingly! I also heard many envious eyes, support and praise! And I don't feel anything, my heart is calm, and there seems to be nothing to be happy about! It may be because I was a class cadre at school and also held a management position after work. This is a new starting point, a new beginning. It's really an opportunity to exercise people!
First, deepen the understanding of maximizing the value of banks.
What is value maximization? It means that an enterprise adopts the optimal management strategy through reasonable operation, and fully considers the time value of funds and the relationship between risk and reward on the basis of ensuring the long-term stable development of the enterprise, so as to maximize its total value. Generally speaking, it is to take an enterprise as an asset portfolio to the "market" to maximize the value it can sell. "Value maximization" overcomes and avoids the narrow goals of "scale maximization" and "quality maximization"; "Value maximization" is also different from profit maximization. It not only reflects the actual financial situation with immediate interests as the core, but also considers the development potential of enterprise's future value growth. It not only measures the actual operating losses and risk costs, but also comprehensively considers the requirements of capital gains, which is a high degree of unity of bank operation safety, liquidity, efficiency and growth. As a modern commercial bank, we must establish the business philosophy of value maximization, deeply understand and understand the essence of the concept of value maximization, and explore effective ways to achieve value maximization. Our bank will become the most valuable and creative bank "as a development prospect. Its essence is to require our bank to maintain excellent business performance and reach the leading level in internationally accepted financial indicators; Market value growth has reached the leading level in the industry; Establishing comprehensive values can provide rich value returns for shareholders, customers, employees and social stakeholders.
Second, the theory has been proved by practice and the ability has been exercised.
Outward bound training is different from competitive competition and military training. It is a kind of training, and it is an experiential training that can be promoted by everyone's personal participation and challenging their own psychological barriers. It is different from other training by "knowing first", and its essence lies in communication and understanding after participation. Through outward bound training, what impressed me most was that one person's strength is limited and the strength of a team is unlimited. " 1+ 1 >2!" One person can't be perfect, but a team can; Each role is accompanied by advantages and disadvantages, and cooperation can make up for the lack of ability. The road to development is not smooth, and difficulties and challenges are everywhere, some of which are unimaginable and some of which we dare not surpass, but the team can complete tasks that one dare not complete, and the team can complete tasks that one cannot complete.
In the fierce market competition environment, commercial banks must have faster learning ability than their competitors to succeed, which is the only lasting competitive advantage. Through the four-day "commercial bank management practice", we personally experienced and understood the operation mode and advanced management concept of western joint-stock commercial banks, and found the combination of commercial bank management theory and practice. From the formulation of strategic objectives and implementation strategies, to the decision-making in deposit and loan business, human resource management, marketing, securities investment, financial management, etc. according to the business strategy, and then to the concrete implementation of each strategic step; Let us truly experience how to avoid and control risks in the market competition environment, how to optimize business, quantify training, seize the market, seize the initiative, and strive to maximize the value of banks and shareholders.
The "simulated banking" exercise has gained a lot, and the three aspects that impressed me the most are as follows.
1, a deeper understanding of the business philosophy of maximizing bank value.
The final result of the simulation exercise is reflected in the stock price of each simulated bank in the capital market (that is, the market value of each bank). During the four-day simulation exercise, we personally experienced how to weigh the relationship between scale expansion, profit pursuit, capital constraint of venture assets and capital liquidity in the market competition environment. After experiencing the contradictory and interdependent movement process between them, I understand that to achieve the goal of "value maximization", we must seek the "balance point" of "value maximization" by means of "game". A deeper understanding of "value maximization" is the high unity of bank operation safety, liquidity, efficiency and growth; Value maximization is not only an index to measure performance, but also the basis for survival and development, and then runs through the operation and management of the whole bank; The two core mechanisms of value creation are "risk and income constraint mechanism with economic capital as the core" and "performance evaluation and incentive mechanism with economic added value as the core".
2. Clarify the objectives of bank management.
The goal of bank management is to determine how to maximize shareholder value and become a sustainable and efficient bank. Sustainable and efficient banks will not accept higher risks for temporary high profits, but will only conduct business within a limited "risk tolerance range"; Don't change business direction frequently in order to make money faster, but keep the stability of goals and directions; We will not make drastic changes frequently, but insist on gradual progress and pay attention to long-term governance.
3. The profound lesson that "strategy determines the direction and details affect success or failure".
During the simulation exercise, the Bank made a slight operational mistake, resulting in a loss of RMB 800 million in interest of bridge loan and RMB 2.3 billion in trading income in the following year. A series of chain reactions directly affected the final realization of strategic objectives. The profound lessons of "butterfly effect" and the reflection it caused are very necessary for our bank to implement "six-fit horse" management. The difference between efficient banks and inefficient banks in return on assets may be only 0.5%. The only difference between them is that efficient banks compare 100 small things.
Inefficient banks do a little better, but the final result is quite different. As a special high-risk industry, risk prevention and control is the lifeline of banks. The root of risk prevention lies in people, in the ability of employees to control risks and in the ability of employees to perform their duties in all aspects of business, which is the essence of "Six Sigma" refined management.
Third, I realized the true meaning of being a man and doing things in my mind.
In the study of courses related to leadership quality and ability, I have thought a lot and learned a lot, and I have the deepest feelings in the following three aspects:
(A) How to become a leader
Being a leader is a complicated and simple management work. Mitchell Laford, an American management expert, pointed out in his book Principles of Management that the greatest management principle in the world is a simple sentence: people will do something that pays off. "People-oriented" is the essence of leadership. People's management and leadership depend on three things: people's ideas, people's feelings and people's interests. A successful or excellent leader and manager is to win the trust and support of employees and subordinates in these three aspects, thus generating strong centripetal force and cohesion, and forming a work team with group will and collaborative fighting capacity. Such a team not only has stronger executive power in doing things, but also has a magical power to overcome difficulties, work as a team, work together with Qi Xin to solve work problems and create business miracles, thus providing sustained internal motivation for the long-term rapid and healthy development of enterprises or organizations.
(B) How to become a subordinate
The true meaning of being a subordinate is only two words "cooperation". Emphasize psychological coordination with superiors, and the key to psychological coordination is "understanding";
First, we must learn to "empathize" and correctly understand the leadership intention;
Second, we must have a "global concept" to make leaders "rest assured, rest assured and caring";
Third, we should "creatively implement" on the basis of correctly understanding the leadership intention, so as to achieve "no offside", "no offside" and "no vacancy".
The key to the coordination of subordinates' interests is "incentive", which embodies the differentiated "interest coordination" through salary incentive, development incentive, cultural incentive and emotional incentive, while giving consideration to fairness and justice.
Personal year-end summary of banks in 2022 6 Personal work summary of bank technicians
Summary of personal work of bank technicians
Summary of bank work summary of personal work of bank technicians summary of personal annual work of bank technicians
Over the past year, I have conscientiously completed all the work, studied hard and improved my technical and professional level. The work in 20 1X is summarized as follows: 1. Project development.
1.xx provident fund interest adjustment project was tested online. At the beginning of the year, xx provident fund management office proposed to the host bank Jiangbei Sub-branch to exchange data with xml technology. Humanization and humanization of design: Fully consider the user's demand for simplicity and convenience. In the system design, according to the concept of separation of business flow and operation flow, complex business processes and data are divided, which reduces the difficulty for users to learn the system.
4. Other employees' behavior scoring system was developed (because the provincial bank also developed this system, and there was no online test), and the provident fund entrusted loan account exel was converted into a cultural and sports program. Second, the project application and promotion
1. yinfeitong online promotion. According to the requirements of the integrated construction of "Golden Finance Project", the Department of Finance of xx Province organized and developed a new version of the government non-tax revenue collection and management information system, and the provincial bank developed the "Yinfeitong" system according to its bank interface. At the end of 20 1X, our city first successfully promoted it in xx, which laid the foundation for the promotion and application of other monitors in the future.
Treasury information processing system. According to the arrangement of the People's Bank of China and the national tax, the national tax deduction of our bank will be gradually moved into the national treasury information processing system, and the online operation of xx City and xx will be completed on 201x.
3. Arrange and assist the year-end adjustment of the entrusted loan of provident fund. 3. Other 1. Respond to the theme activity of improving the quality of environmental services advocated by provincial branches and start the "golden autumn"? Send services to the grassroots, analyze and solve problems for grassroots banks on the spot, and do research and analysis activities for Jiangbei Wujiang East Road Sub-branch with the support and organization of leaders.
Actively participate in the "corporate culture discussion" and "employee code of conduct environmental protection activities" special activities.
Attached:
Summary report on the work of bank branches in the first half of the year
Summary report on the work of bank branches in the first half of the year
Work report: summary report of bank branches in the first half of the year: summary report of bank branches in the first half of the year.
I. Personnel and institutions:
The total number of employees in 1 and xx branches is xxx. Among them, xx employees, xx with college education or above, xx in party member, with an average age of xx; There are xx agents, X temporary workers, xx retired employees and xx retired employees.
2. The organization consists of an office, a personal financial business center, a gold team branch, a xx branch and a xx branch. The personal financial business center of the branch has a personal financial business customer service department and a personal financial business customer marketing department, and the xx branch has a xx savings office and a xx business outlet, all of which are comprehensive business outlets except the personal financial business customer marketing department.
Two. Assets and liabilities:
By the end of June, the balance of various loans was xxxx billion yuan, of which:
The company loan is xxxx million yuan, non-performing loans account for xx%, personal comprehensive consumption loan is xxx million yuan, and housing loan is xxx million yuan. The balance of various deposits is xxxxx million yuan, including savings deposits of xxxxx million yuan, an increase of xxxxx million yuan compared with the beginning of the year, company deposits of xxxXX million yuan, a decrease of xxxXX million yuan compared with the beginning of the year, and interbank deposits of XXX million yuan.
Third, the completion of various indicators:
1. By the end of June, savings deposits had increased by xxxx billion yuan, accounting for xx% of the annual planned tasks, and decreased by xx billion yuan year-on-year; Company deposits decreased by xxxx million yuan, accounting for -xx% of the annual planned tasks, and decreased by xxx million yuan compared with the same period of last year. By June 10, deposits of companies and institutions had decreased by xx million yuan compared with the beginning of the year and XX million yuan compared with the same period last year.
2, the new personal comprehensive consumer loans xxx billion yuan, complete the annual task of xx%.
3. The sales of wealth management products are xxxxx million yuan, accounting for 2,654,38+0.29% of the annual task of XXXXX million yuan, including 2,565,438+0 million yuan for agency insurance, 6,543,800+0 million yuan for issuing various funds, 350,000 yuan for "stable income" wealth management products and 400.6 million yuan for agency bonds. 657 personal high-end quality customers were added.
4. 480 peony credit cards were added (including 87 cards changed), accounting for 65,438+029.7% of the annual planned tasks, exceeding the annual tasks assigned by the branch.
5. There are 3 new corporate online banking certificate customers, 4 corporate online banking ordinary customers 14, 26 personal online banking certificate customers, 749 personal online banking ordinary customers, 350 personal telephone banks and 30 mobile banking.
6. Interest income was 6.5438+0.62 million yuan, an increase of 320,000 yuan year-on-year, accounting for 4 8.8% of the annual tasks.
7. The income from intermediary business was 65,438+0,465,438+0,000 yuan, an increase of 800,000 yuan year-on-year, accounting for 6 7.8% of the annual income from intermediary business. (For example, xxxx Company has been raised by the international molybdenum product price this year, and the enterprise benefits have improved year by year. After xx has repaid all the bank loans (all financial institutions have no loans), the operating income will be mainly invested in the purchase of national debt, employee welfare, expansion of reproduction and so on. Last year, I only bought a national debt, and this year I have bought 400 million yuan from our bank. The annual procurement plan of 6,543.8 billion yuan has been completed, and the enterprise has no financing needs. At present, most corporate customers who need loans are enterprises spun off by our bank, and loans for small and medium-sized enterprises cannot be processed due to the access conditions of four types of banks. The marketing performance of personal comprehensive consumer loans is still poor. By the end of May, a total of xxx billion yuan of comprehensive consumer loans had been handled. According to the comprehensive market survey of xx county and the plan of the county government to move south to the county seat, county-level government departments will move to xx street one after another. However, the marketing of housing mortgage loans often fails because the units can't get legal land procedures in the process of land acquisition, and some customers are willing to apply for mortgage loans with their existing houses, and most of them have unclear property or land ownership, which leads to difficulties in loan marketing.
2. The company's deposits fluctuated greatly, with an increase of 78.88 million yuan on June 35438+1October 3 1 compared with the beginning of the year, a decrease of 73.24 million yuan at the end of February, a decrease of136.44 million yuan at the end of April, and a negative growth of149.86 million yuan at the end of June. The bank has long relied on the corporate deposits of xxxx Company. This year, the company carried out strategic investment transfer, improved investment channels and realized diversified investment. First, it plans to purchase 654.38 billion yuan of government bonds throughout the year. The second is to expand the business scale through equity participation and joint venture. Third, the continuous expansion of Chang 'an Industrial Park has led to a rapid decline in the amount of interbank deposits, which has brought certain difficulties to the bank's corporate deposit growth. It is difficult to change the situation that corporate deposits mainly depend on xxxx company in a short time.