Bank summary report for the second quarter

Summary Report of Banks in the Second Quarter

Strengthen the construction of professional ethics, shape brand image and add new vitality to * * commercial banks. The following is the bank summary report for the second quarter compiled by me. Let's have a look!

Chapter I: Summary Report of the Bank in the Second Quarter

Since the beginning of the year, the Bank has adhered to the business operation as the center and supported the development of farmers and rural small and medium-sized enterprises as the main targets, constantly improved various rules and regulations, strengthened internal management, and paid close attention to the implementation of rules and regulations, and strived to prevent and resolve financial risks from the source, ensuring the healthy, steady and safe operation of various business activities, and achieved remarkable internal and social benefits, in order to build Zhuanghe into the North.

I. Basic information

(I) Loans

By the end of March this year, the balance of various loans of the Bank was 553.69 million yuan, an increase of 361.29 million yuan or 187.78% over the beginning of the year. Among them, the loan from farmers was 35.72 million yuan, accounting for 55.22%. The short-term guaranteed loan for rural industry and commerce was 146.89 million yuan, accounting for 26.53%. The rural industrial and commercial short-term mortgage loan was 8.58 million yuan, accounting for 14.55%. The medium and long-term guaranteed loan in rural areas is 5 million yuan, accounting for .9%. Rural medium and long-term mortgage loans amounted to 15.5 million yuan, accounting for 2.8%.

from January to March, loans totaled 635.73 million yuan, and loans totaled 274.44 million yuan. The recovery rate of mature loans is 1%. The loan interest income was 28.87 million yuan, and the loan interest rate was 1%.

(II) Deposits

At the end of March, the balance of various deposits was 59.23 million yuan, an increase of 246.4 million yuan or 93.48% over the beginning of the year. Among them, the balance of savings deposits was 234.76 million yuan, an increase of 11.98 million yuan or 47.27% over the beginning of the year. The balance of corporate deposits was 261.3 million yuan, an increase of 121.89 million yuan or 87.43% over the beginning of the year. Notice deposits amounted to 13.17 million yuan, an increase of 1% over the beginning of the year.

(III) Financial situation

At the end of March, the Bank realized various business income of 29.81 million yuan, including loan interest income of 28.87 million yuan and current interest income of financial institutions of 94, yuan. The expenditure of various businesses was 21.69 million yuan, the total profit before tax was 1.83 million yuan, and the net profit after tax was 8.12 million yuan.

(IV) Supervision indicators

First, the balance sheet. First, the total assets are 699.74 million yuan, including current assets of 623.42 million yuan (cash and bank deposits of 5.54 million yuan, deposits with the central bank of 67.35 million yuan, deposits with peers of 23.4 million yuan, short-term loans of 527.3 million yuan and other receivables of 12, yuan); Long-term assets of 75.8 million yuan (including: medium and long-term loans of 26.63 million yuan, long-term investments of 3 million yuan, projects under construction of 22.17 million yuan, net fixed assets of 1.79 million yuan, and provision for bad loans of 5.54 million yuan (reduction)); Deferred assets are 1.24 million yuan. Second, the total liabilities and owners' equity is 699.74 million yuan, including current liabilities of 577.78 million yuan (short-term corporate deposits of 261.31 million yuan, short-term savings deposits of 245.57 million yuan, interbank deposits of 6 million yuan, remittance payable of 2, yuan, accounts payable of 1.65 million yuan, other payables of 7.54 million yuan and taxes payable of 1.7 million yuan). Long-term liabilities are 2.36 million yuan (mainly savings deposits of more than three years, 2.36 million yuan). Third, the total owner's equity is 119.61 million yuan, including: 11 million yuan in equity; The surplus reserve is 82, yuan, the general reserve is 6, yuan and the undistributed profit is 8.19 million yuan; This year's pre-tax profit is 1.83 million yuan.

second, the capital composition. First, the owner's equity is 119.61 million yuan. Among them, the paid-in capital is 11 million yuan, the surplus reserve is 82, yuan, the general reserve is 6, yuan, and the undistributed profit is 8.19 million yuan. Second, the weighted risk assets in the table were 578.14 million yuan. Third, the capital adequacy ratio is 21.64? 8% industry regulatory standards. Fourth, the core capital adequacy ratio is 2.69%? 4% industry regulatory standards.

third, the first credit risk situation is that the ratio of non-performing loans and non-performing assets is zero. Second, the provision for bad loans at the end of March was 5.54 million yuan. What are the loan loss reserve adequacy ratio, asset loss reserve adequacy ratio and provision coverage ratio? 1%, controlled within the standard range stipulated by the industry supervision.

fourth, liquidity risk. First, the liquidity ratio is 17.9% (current assets/current liabilities). Second, 67.35 million yuan was deposited in the central bank, including 58.56 million yuan in deposit reserve (with a deposit reserve ratio of 11.5%), 8.79 million yuan in deposit reserve and 13.23% in deposit reserve ratio. Third, the loan-to-deposit ratio (excluding capital) is 18.73%, and the loan-to-deposit ratio with capital is 89.42%.

fifth, profitability. First, the asset profit rate is 1.54%? .6% industry supervision standard. Second, the capital profit rate is 9.85%, and the industry standard is not lower than 11%. Due to the short establishment of the Bank, small loan scale and low loan interest income, the capital profit rate is lower than that of the same industry. Third, the profit-cost ratio is 49.93%? 45% industry supervision standard

II. Main working measures

(1) Actively issuing loans and giving full support? Agriculture, countryside and farmers Economic development.

our bank insists on service? Agriculture, countryside and farmers As our own responsibility, we adhere to the business direction of serving agriculture, rural areas and farmers, serving small and medium-sized enterprises and serving people to start businesses. With efficient, fast and convenient service, we have injected more than 5 million credit funds into the development of agriculture, farmers and rural economic organizations and made positive contributions to promoting regional economic development.

first, adhere to the efficiency as the center, take the service of agriculture, countryside and farmers as the guidance, and do a good job in loan issuance. Since the beginning of the year, on the basis of establishing business objectives and policies, the Bank has organized the credit department to do a good job in the marketing of loans to ensure the completion of credit business indicators. The main methods: First, give full play to the Bank's short loan approval time, flexible loan methods and convenient handling, continuously expand the Bank's influence in society and create a good environment. Second, pay attention to their own advantages in business development, focus on key profitable businesses, and focus on issuing corporate loans and self-employed loans; Issue real estate mortgage loans on the basis of safe and stable business; Actively explore loans for agricultural production projects in the direction of serving agriculture, rural areas and farmers; Open up new areas of credit business and issue automobile consumption loans. The third is to strengthen active cooperation with guarantee companies and expand business areas. Our bank has been established for a short time, lacking the accumulation of customers and their awareness of our bank. Through the intermediary role of guarantee companies, it has promoted the development of our credit business. From January to March, the accumulated loans were 635.73 million yuan, and the accumulated loans were 274.44 million yuan. The recovery rate of mature loans is 1%. The loan interest income was 28.87 million yuan, and the loan interest rate was 1%, exceeding the planned target.

second, make efforts to prevent and resolve credit risks and ensure the safety of credit assets. It is our important job to promote the development of credit business quickly, and ensuring the safe operation of credit assets is the premise and the cornerstone of our survival. To this end, we strictly follow the credit management regulations and issue loans according to the operating rules of credit business from the beginning of loan acceptance to loan issuance. Conduct on-the-spot investigation on the credit business, adhere to the double-person investigation and loan projects exceeding one million, and the main leaders of the bank will visit the front line to do a good job in loan options and asset evaluation. If there are unsafe factors in the production and operation of the loan guaranteed by the guarantee company, the Bank will not accept it, which effectively ensures the quality of credit assets and realizes the recovery rate and interest rate of the loan due to reach 1%.

third, adhere to the market positioning and business direction of the Bank and actively support the development of agriculture, countryside and farmers. From January to March, our bank issued loans of 635.73 million yuan, all of which were used to support the needs of local economic development and played a good role in enterprise management and farmers' financing. Agriculture-related loans have been rapidly promoted to rural towns and villages. Under the circumstances of few institutional outlets and insufficient credit personnel, various difficulties have been overcome, and the business has developed to more than 2 township streets in our city, covering 77% of the townships. The business scope covers agricultural breeding, forestry, facility agriculture, tourism agriculture, aquaculture, manufacturing, commercial services and other fields. Constantly innovate the service mode, constantly improve the mortgage guarantee mode, and adopt the methods of maximum mortgage revolving loan, guarantee company guarantee, enterprise joint guarantee, machinery and equipment mortgage, right mortgage, etc., so that different industries can get credit support. Support the development of farmers with flexible and convenient small loans, actively support leading enterprises in agricultural industrialization to become stronger and bigger, and achieve a win-win situation for banks and enterprises.

(2) mobilize all factors and vigorously organize deposits.

in order to better support the regional economic development, continuously expand our business power and fully realize the three-year business goal, we always insist on? Deposit bank, loan bank? Business philosophy, so that the deposit business continues to increase.

launch a deposit contest. At the beginning of the new year, the Bank formulated the 217 Annual Deposit Assessment Measures of Zhuanghe Huitong Rural Bank and the 217 end-of-March competition for savings deposits. Through the competition activities, a new upsurge in the work of organizing deposits has been set off, forming a new situation in which everyone carries a heavy burden and everyone has indicators on his shoulders, and remarkable results have been achieved. At the end of March, the balance of various deposits was 59.23 million yuan, an increase of 246.4 million yuan and 62.18% over the beginning of the year.

2. Improve the quality service level and intensify research. First, educate employees in various ways to attract customers through professional service quality. Second, the main leaders and professional departments took the lead in setting an example and went out of Zhuanghe to introduce low-cost funds from other places, with a cumulative amount of nearly 1 million yuan. The increase of public deposits not only reduces the cost of operating funds, but also strengthens the credit fund strength of our bank.

3. notice deposit business was launched, and the intermediate business achieved zero breakthrough.

First, in the deposit work, while doing a good job in traditional business, the Bank carefully studied and formulated the Measures for the Administration of RMB Notice Deposit of Zhuanghe Huitong Rural Bank, with the market demand as the guide and the goal of developing resources. On March 2th, the Bank started the seven-day notice deposit business, and by March 3th, the balance of notice deposit had reached 13.17 million yuan. Second, we actively promoted the intermediary business with the main content of collection and payment, established a good cooperative relationship with Zhuanghe Water Supply Company, and began to handle the water fee collection business in April.

by increasing business varieties and innovating service functions, it not only effectively expanded the radiation antenna of our business, explored new deposit resources and brought new growth points of benefits, but also produced good social effects, which were well received by all sectors of society.

(3) Strengthen the basic accounting work and improve the quality of accounting

First, carefully measure the financial revenue and expenditure, and prepare financial plans for financial revenue and expenditure in 217. The second is to strengthen accounting guidance and improve the level of accounting. In accounting counseling, according to the actual shortage of counselors, centralized counseling, on-site counseling and individual communication are adopted. Through accounting guidance, the operating rules of accounting and financial settlement are supervised and standardized, and the operational risks are prevented, which plays a positive role in ensuring the normal operation of accounting. Third, the fixed assets and low-value consumables of the whole bank were verified and registered, and the ledger of fixed assets and low-value consumables was improved. Fourth, improve the operation of the core system to make it suitable for the business characteristics of the Bank. In order to gradually adapt the core system now in use to the needs of our business development, we communicated with the Ministry of Science and Technology of bank of dalian for many times from January to March, and put forward more than 1 special business improvement suggestions, which were strongly supported by the Ministry of Science and Technology of bank of dalian and have been implemented item by item. The fifth is to open a large and small payment system to solve the problem of poor settlement. Since March, 217, I have taken it as an important task to solve the problem of unsmooth settlement. After hard work, the head office of the People's Bank of China approved our bank to join the payment system indirectly. On March 26 this year, it was connected with the special line of Industrial Bank. After the system technical test conducted by our bank and Dalian Branch of Industrial Bank, the large and small payment system was officially opened on March 1th. The smooth opening of the large and small payment system has not only solved the problem of poor national interbank settlement since CCB, but also enhanced our visibility in the financial system and all walks of life, and played a very important role in accelerating capital turnover.

(iv) Do a good job in the implementation of rules and regulations, and promote the standardization of all work

While continuing to improve the rules and regulations, the Bank pays close attention to the implementation of rules and regulations, pays special attention to standardized management, and makes all work have rules to follow and rules to follow, and gradually realizes standardization. On the basis of the original 84 rules and regulations, the Bank added relevant rules and regulations according to the requirements of higher authorities and the actual situation of the Bank, mainly including: First, according to the requirements of the Banking Regulatory Bureau, the Bank comprehensively revised the loan management measures according to the provisions of the new loan regulations. On March 13th, the Basic Operation Process of Zhuanghe Huitong Village Bank's Personal Credit Business (Trial), the Basic Operation Process of Zhuanghe Huitong Village Bank's Corporate Customer Credit Business (Trial), Zhuanghe Huitong Village Bank's Fixed Assets Loan Management Implementation Rules (Trial), Zhuanghe Huitong Village Bank's Project Financing Business Management Implementation Rules (Trial) and Zhuanghe Huitong Village Bank's Personal Loan Management Implementation Rules (Trial) were issued. Second, in order to standardize the professional ethics of employees of the Bank, improve their professional ethics and professional quality, and safeguard the credibility of the banking industry, we have formulated the Code of Professional Ethics for Employees of Zhuanghe Huitong Village Bank, which specifies nine professional ethics that general employees should abide by and five professional ethics that directors, supervisors and senior managers should also abide by. Third, in order to further improve the execution of the Bank's internal control and case prevention system, solidly promote the effective implementation of case prevention work, and promote the safe and steady operation of various business activities, the Implementation Plan of Zhuanghe Huitong Rural Bank's Annual Activities of Carrying out Internal Control and Case Prevention System was formulated.

(5) do a good job in staff training and quickly improve the quality of staff and workers.

in order to meet the needs of our business development, rapidly improve the comprehensive quality of employees, better meet the challenges of market economy, and build a high-quality and professional staff, we have held three intensive training courses for new employees. Through intensive training, new employees can basically understand and master the knowledge related to financial laws and regulations, business knowledge and business skills. Make the training really effective, achieve the expected purpose, and receive the expected results.

(6) do a good job in case prevention and control to prevent and resolve financial risks.

1. Carry out case risk investigation to make the business