★ How to write the summary of bank work at the beginning?

Summary of annual work of the bank at the beginning of the year [1]

The past 20xx years have been an extraordinary year in the development of Taibai Sub-branch, which is a year in which opportunities and challenges coexist. Facing the complicated situation, under the strong leadership of the head office and the management bank, the sub-branch led all the staff in unity, keenly seized the once-in-a-century good opportunity of the development of the southern new district of Maanshan City, and deposited most of the relocation funds of Taibai Town into our bank, which made the deposit of the sub-branch realize a huge leap; At the same time, it has also withstood and overcome the difficulties and challenges brought about by the sharp rise of non-performing loans, curbed the bad trend of downward movement of loan quality, overcome difficulties, revitalized non-performing assets, and improved the asset structure to a certain extent.

By the end of 20xx, the balance of various deposits in this sub-branch was RMB 2,326,543,800+,with an average daily deposit of RMB 6,543,800+0,966,300; The bad balance is 734. 09 million yuan, down from the beginning of the year 130. 6.5438+0.7 million yuan, accounting for 9% of the defective products. 0%; Loan profit 584. 9 1 ten thousand yuan; In addition, actively expand intermediary business such as finance, taxation and treasury, vigorously promote bank cards, and launch new business varieties such as short message service. For more than a year, the company has been operating steadily, seeking development in stability and attaching great importance to security work. There was no incident or accident, and all the work achieved certain results.

Highlight the theme and seize the opportunity to seek deposits;

20 1 1 year is the first year of Maanshan's southern development. The large-scale development of the southern new district mainly covers one township (Niandou Township) and two villages (Taicang Village and Changwei Village in Taibai Town), which is a once-in-a-century opportunity for Niandou Tai (Bai) area. Economic development is a sensitive field, and many people move from one place to another. In order to compete for the economic cake of the development zone, banks from Wuhu to Dangtu and Maanshan, such as industry, agriculture, construction, China, communications, postal services, Huizhou merchants and Yangzi, have tried their best to market. Taibai Sub-branch is more than 0 km away from South Development Zone/kloc-0. Compared with Dangtu and Wuhu, Taibai Sub-branch has no advantage in location, and Xinqiao and Niandan are obviously close to our bank. It is true that there are troops ahead and troops outside. In the face of special geographical location and fierce competition, the sub-branch comprehensively analyzes, accurately judges, establishes a rapid market response mechanism, flexibly adjusts its business strategy, and takes deposits as its overriding priority. Because this is a fleeting and irreversible opportunity. Therefore, the focus and purpose of the branch is to do everything possible to make deposits. On the one hand, make full use of the government to build a "docking platform between banks and enterprises" and a "year of helping enterprises" and establish a special communication and mutual assistance mechanism with the town government. Three banks in Taibai Town, Agricultural Bank, Postal Service and Rural Commercial Bank, have become the first choice banks of the government, and all the relocation funds in Taibai Town have basically "fallen to my home". On the other hand, banks have also established a multi-channel communication mechanism through various channels such as taxation, industry and commerce, and other personal and social relations to capture information and seek deposits in various ways. At the same time, it also actively adjusted the internal mechanism, strengthened services, strengthened management, integrated financial products, listed all the relocated fixed deposit certificates, and implemented the orientation of benefiting the people. Greatly improved customer satisfaction.

By the end of 20 1 1, the balance of various deposits in sub-branches was 232 1 yuan, 2 1 yuan and 92 1 yuan, which was the highest number of tasks assigned by the head office, at 16, compared with 20/kloc-0. Compared with 2065.438+065.438+0 years, the average daily deposit was 654.38+0392 million yuan, an increase of 57.43 million yuan or 29%.

(2) Overcome difficulties and face the challenge of poor health.

20 1 1 is a very difficult year for Taibai Sub-branch to resolve non-performing loans. By September 30, non-performing loans had risen instead of falling, with a balance of 922. 350,000 yuan, 864 at the beginning of the year. 26 rose by 58. 090 thousand yuan.

Facing the difficult challenges brought by the sharp rise of non-performing loans, the test is severe, the difficulties are unprecedented and the pressure is enormous. In order to curb the bad trend of loan quality decline, the sub-branch adopts a way of keeping an eye on risks and accountability one by one; Sub-branch team and account manager are linked to salary and assessed side by side; A series of rigid management methods, such as working overtime at the same time and stopping work at weekends, shuffle the cards without changing people. It not only enhances the sense of urgency and crisis of the account manager, but also enhances the responsibility and management binding force of the branch staff. In addition, the sub-branch also actively contacted the government, village committees, manufacturers and related customers, trying to find various ways to overcome difficulties and vigorously revitalize non-performing assets.

After three efforts, 82 non-performing loans were resolved and revitalized. 900,000 yuan, not only completely melted, but also increased by 580,000 yuan and decreased by 24% compared with the beginning of the year. 900,000 yuan, and the balance and ratio of non-performing loans were both reduced. Plus 65438+90 written off by the headquarters on February 25th. February 3 1 write off 570,000 yuan and 14. 700,000 non-performing loans, and the current non-performing balance is 734. 09 million yuan, compared with 8.64 at the beginning of the year. 260,000 yuan, a decrease of 1.30. 654.38+0.7 million yuan, and the proportion of defective products was 654.38+0.654 38+0 at the beginning of the year. 35%, down to 9. 0%, down by 2. 35%。 The quality of assets has been improved to a certain extent.

(3) Developing financial products to promote business development;

In order to adhere to the combination of business innovation and financial product structure adjustment and accelerate the development of intermediary business, the Bank actively launched intermediary business such as fiscal treasury, vigorously promoted bank cards, and launched new business varieties such as short message service. By the end of this year, 65 households have opened the national treasury bank, 130 households have opened the SMS service, and 25 payroll agencies have issued a total of 2,540 cards, with an average balance of 728 1. 18 yuan, total 1, 836. 700,000 yuan ATM withdrawals 14, 75 1, withdrawal amount 1, 569. 400,000 yuan; Among them, the number of bank withdrawals was 8995, and the amount of withdrawals was 937. 654.38+0.9 million yuan, 5756 inter-bank withdrawals, and 632 withdrawals. 2 1 0,000 yuan. The fee income of intermediary business reached 4. 265,438+00,000 yuan, 65,438+0 newly developed POS merchants, reaching 2 households, spending 300 transactions and spending 65,438+00,0365,438+0. 0 1 yuan.

Ensure a stable and responsible society.

In order to ensure the steady operation of banks and create a safe operating environment, banks always take safety as the top priority in their daily work. From the aspects of organization, system and meeting. Establish the organizational structure of the safety leading group, with the president of the branch as the group leader, the safety officers at Angle A and Angle B as the daily management personnel, and all employees participating. Establish a long-term working mechanism for key inspections on important festivals and daily inspections at ordinary times; Implement the form of safety warning education combining morning meeting, regular meeting and special safety meeting. Establish 1 10 alarm system; Advanced technical defense system, all-round electronic monitoring of business room and ATM machine. Implement complementary combination of civil air defense and technical defense. There were no safety accidents or incidents in the past year.

While ensuring safe and steady operation, the Bank also engages in social welfare activities. This year, the bank has carried out anti-counterfeiting, anti-money laundering, new rural insurance, China Banking Public Education Day and other public welfare publicity activities. Actively popularize relevant banking knowledge to the society and strive to improve the public's financial quality and financial management level. In particular, banners were hung on the streets to publicize the new rural insurance, and the publicity materials of China Banking Public Education Day were distributed on the streets, which were well received by the local government and the local public.

While summing up our achievements, we also clearly see that there are still some shortcomings and problems in our work. Affected by the shrinking loan scale, 20 1 1 loan interest income is 584. 820,000 yuan, a decrease of 83 over the previous year. 890,000 yuan; The loan structure is complex, some medium-and long-term loans with large interest arrears will expire one after another, and many deep-seated problems in the low-end quality of loans will be "clarified", and it is a long way to go to collect and resolve non-performing loans; We attach great importance to these problems and are taking effective measures to solve them.