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Year-end summary of bank employees

5 year-end summary of bank employees

The accumulation of ability is not only the accumulation of your work ability last year, but also your ability to sum up. Excellent work summary reflects your excellent self-reflection ability. Next, I will bring you a year-end summary of bank employees. I hope you will like it.

The year-end summary of bank employees 1 20__ is a rich and colorful year for ICBC, which has successfully taken the first step of shareholding system reform. For Nan 'an Sub-branch, 20 years is a year of hard work, a year of adapting to changes, a year of pioneering and innovating, and a year of clearing up ideas and accelerating development. This year, the business integration of branches and their subordinate branches developed steadily, and the comprehensive business system was comprehensively promoted, achieving the expected goals. During this year, the organization and leadership gave me many opportunities to study and exercise.

First, strengthen business study, improve their comprehensive quality and adapt to the needs of the new situation.

Since I have been engaged in savings work, I have attached great importance to the cultivation and study of personal business ability. While providing standardized and high-quality services to depositors, we should study business skills assiduously, actively and conscientiously learn new business and new knowledge on the basis of mastering the original business processes, and learn from leaders and professional departments with an open mind if there is anything we don't understand. With the needs of bank reform, my working ability and comprehensive quality have been greatly improved, and my business level and professional skills have also been updated and improved with the reform of ICBC at various stages.

Second, with a high sense of responsibility and customer-oriented service concept, we will implement quality work.

In 20__ years, I worked as the business supervisor in Changjiang Village Savings Office, mainly responsible for re-control, internal control, quality accounting and counter normal business. By strengthening internal control management, the branch never ranked in the bottom 50 in accounting quality appraisal last year, and ranked in the top 30 or 40 for many times. I was rated as an "error-free teller" by Nan 'an Sub-branch for two consecutive months.

I always adhere to the concept of "customer first", regard the customer's affairs as my own, put myself in the customer's shoes, think about the customer's urgent needs, boldly explore ideas, adopt different working methods for different customers, and strive to provide quality services to customers in order to win their support for our business. During my work in Changjiang Village Savings Office, I have developed from friendship with many customers to friendship, and I have been praised by different types of customers for many times, and I have never received a customer complaint.

The times are changing, the environment is changing, and the work of banks is changing from time to time. Every day something new appears and something new happens, which requires me to change with the situation. It is my goal to learn new knowledge, master new skills, adapt to the changes in the surrounding environment, improve my post-holding ability, train myself to be a comprehensive ICBC employee and plan my career better. Of course, I still have some shortcomings in handling and operating some details. In the future, I will continue to do my job well, always spur and improve myself with the service concept of "endless service, innovative service and lasting service", improve myself and be stricter with the care, guidance and help of leaders and colleagues, contribute to the reform and development process of ICBC, and implement the quality service work!

Year-end summary of bank employees II. 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 bank value.

What is the value? It refers to the total value of an enterprise through reasonable management and adopted business strategies, on the basis of ensuring the long-term stable development of the enterprise, and fully considering the time value of funds and the relationship between risk and reward. Generally speaking, it is the value of selling an enterprise as an asset portfolio in the "market". "Emphasis" overcomes and avoids the narrow goals of "scale" and "quality". "Valuation" is also different from profitability. 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 a value-oriented business philosophy, deeply understand and understand the essence of the value-oriented concept, and explore effective ways to realize value. Our bank will become a bank of value creativity as its development prospect. Its essence is to require the Bank to maintain excellent business performance and reach the internationally accepted level of financial indicators. Reach the level of peers in market value growth. 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.

Simulated banking exercise.

In the fierce market competition environment, commercial banks must have faster learning ability than their competitors to succeed, which is a 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, how to optimize business, quantify training, seize the market, seize opportunities, and strive to realize the value of banks and shareholders in the market competition environment.

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 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 the two, I understand that to achieve the goal of "value", we must seek the "balance point" of "value" in a "game" way. I have a deeper understanding that "valuation" is a high degree of unity of bank operation safety, liquidity, efficiency and growth. Value is not only an indicator 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 realize 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". We will not change the business direction frequently in order to make money faster, but keep the goal and direction stable. 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 in return on assets between efficient banks and inefficient banks may be only 0.5%. The difference between them is that efficient banks do a little better than inefficient banks in 100, 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 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 combat effectiveness. Such a team not only has stronger execution in doing things, but also has a magical power to overcome difficulties, work as a team, work together in Qi Xin, solve work problems and create business miracles, thus providing sustained internal motivation for the long-term high-speed 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 should learn to "empathize" and correctly understand the leadership intention.

The second is to have a "global concept" to make leaders "feel at ease, at ease 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.

Bank employees' year-end summary article 3 Time flies, time flies. It has been half a year since I came to _ _. During this time, I completed two changes. One is the change of social protagonists. I have changed from a student who knows nothing about the world and lacks social experience to a banker who can basically complete his own work independently; The second is the change of learning methods and ways. In school, theoretical study is the main thing, but in practical work, the practicality of learning and the close connection between theory and practice are emphasized.

Over the past six months, I have gained a necessary understanding of the daily operation, business processes and related job responsibilities of the bank, and gained necessary gains in business skills, but there are also many shortcomings, which are summarized as follows:

I. Commercial aspects

I just joined _ _ and started my career in the lobby. At first, I didn't know enough about the importance of this job. Feeling monotonous and repetitive work, lacking technical content, has produced necessary negative emotions in the work. After a period of in-depth understanding, I realized that the lobby is the first line to receive and serve customers, and the performance of the bank is closely related to the performance of the lobby. After that, he was assigned to a high-level teller post training, only to know that the teller post is the first iron gate for banks to control risks. Every business order, even every signature, is related to the risk that the bank bears, and even to the credit that is the foundation of the bank. After training in these different positions, I realized that grass-roots work needs exercise and training most. Only really start from small things, from 1. 1 drop, in order to constantly improve their skills. So I try to be familiar with business processes and rules and regulations, improve my basic skills, actively communicate with old tellers, learn from them with an open mind, and deeply understand the points that should be paid attention to and possible risks in each business.

Second, service.

After continuous study and practice, I deeply realize that the competition between banks is not only the hardware level of mechanical equipment and network decoration, but also the service consciousness and attitude. This kind of soft power competition can better reflect the core competitiveness of banks. I always adhere to full work enthusiasm and good work attitude in my daily front-line service, and I know that my words and deeds represent the image of _ _. Therefore, I often remind myself to "stand and serve" and "smile" and patiently and meticulously answer questions for customers. For individual emotional customers, I try to handle them skillfully without hurting my spirit. I would rather be wronged by myself, do my best to safeguard the interests of our bank, and do my best to solve communication tolerance; I respond modestly and cautiously to customers' compliments.

I always adhere to the concept of "customer first" and try my best to meet the business needs of customers without violating the prescribed principles. I try my best to provide more thoughtful service to my customers. Because there are no picky customers, only imperfect service. In my daily work, I take the customer's affairs as my own business and feel anxious about the customer's worries and ideas. I try my best to learn new knowledge and new business, integrate theory with practice, master all kinds of service skills, start with small things, handle business as quickly, accurately and efficiently as possible, so that customers can wait less, run less and ask less, and provide timely, punctual, regular and anytime services to customers.

Third, all aspects of life.

In this half year's work and life, I deeply felt the warmth and strength of the group. When I first came to this city, I often felt alienated and lost because I was unfamiliar with this city without the company of my family and friends. When I was depressed, it was my leaders and colleagues who gave me great encouragement. Their enthusiasm warmed me, their trust moved me, and their support inspired me. In our group, my spare time is colorful, which greatly strengthens my communication, communication and study with teachers and colleagues.

Here, I sincerely thank them for giving me the strength to move forward. At work, my interpersonal skills have also been improved and exercised. I realize that the first thing to do when interacting with people is to be true, honest and open to each other, especially in my work, to express my true feelings in a reasonable way. More importantly, learn to be tolerant, learn to listen to different opinions, and learn to study problems from the perspective of others. Looking back on my own problems, I think I still have the following shortcomings:

First, study is not enough. At present, the new economy based on information technology is booming, new situations and new problems are emerging one after another, new knowledge and new science are constantly emerging, and the work of banks is constantly changing. Every day, new things appear and new situations appear. Faced with this severe challenge, I should deeply understand my own shortcomings, constantly improve my sense of hardship and self-awareness, constantly reserve theoretical basis and professional knowledge, and constantly learn new business knowledge.

Second, the business level needs to be improved. Self-taught business skills are not comprehensive enough, sometimes there will be some low-level mistakes, and some unusual business skills are not skilled enough.

Third, sometimes there will be mental burnout. When I am tired from work, I tend to relax and don't want to work. This is a sign that self-psychological quality and sense of responsibility need to be improved.

In view of the above problems, I want to work hard: speed up the pace of skilled operation of various business skills, consult teachers and colleagues in my spare time, memorize various business operation processes, and truly become a qualified business expert; Earnestly draw lessons from daily work, resolutely achieve zero mistakes in business operation and customer satisfaction100%; At the same time, strengthen theoretical study and further improve comprehensive quality; Pure self-thinking, establish a sense of responsibility, strive to overcome negative emotions, and cooperate with leaders, teachers and colleagues to do a good job.

The fourth time of bank employees' year-end summary really flies. In a blink of an eye, it has been a year and a half since I entered the branch of _ _ Bank. 20__ is an extraordinary year for the banking industry. The financial turmoil triggered by the subprime mortgage crisis swept the world in 2000. It is expected that the follow-up effect will appear in the real economy of China and be transmitted to banks this year. After the baptism of the global financial turmoil, the operation of the domestic bank credit market has also kept pace with the times. These changes in business ideas were passed from top to bottom to the front-line marketing department of the bank, which also gave me more insights and experiences in the second year of my career.

Since the beginning of this year, our department has not only successfully completed all the indicators of the branch, but also successfully solved some problems left over from the history of the department. Under the care and guidance of department leaders, I have made remarkable progress in all aspects. Of course, there are still many shortcomings that need continuous improvement. Up to now, the balance of deposits in China is 840.5 million yuan, with an average of 814.63 million yuan per day; The loan balance was 850 million yuan, with a daily average of 778 million yuan; By the end of 65438+February 10, the economic profit was10.42 million yuan, and the income from intermediate business was 3.63 million yuan; My deposit balance is 6,543,800 yuan+0,478,700 yuan, and my daily average deposit is 6,543,800 yuan+0,063,600 yuan; Loan balance1370,000 yuan, with an average of 59.89 million yuan per day. All major business indicators have achieved good results.

I will summarize my work in the past year as follows. Since I started working, my work process can be divided into three stages:

1. I joined the branch in July _ _ _ _, and by the end of the year, I mainly studied all kinds of banking knowledge, adapted to the banking environment, and became familiar with all kinds of operation procedures, and grew rapidly in this team. It is mainly a process from unfamiliarity to familiarity with the banking industry, and it is also a process of changing the role of graduates to professional account managers.

In the first half of 2002, under the guidance of the supervisor, I began to take over the relationship maintenance of all customers in the department and assisted the supervisor in developing new customers. In addition, I also undertake the monthly business index analysis, profit calculation and monthly business analysis report of Subei Market II. The business level of contact is getting higher and higher, which also makes me start to think about problems from a higher level. In this process, I constantly improve my knowledge and skills in marketing, customer management and index management. During this period, my performance began to show. In June, 5438+_ _ _ _ _ 10, under the guidance of the supervisor, I reported that a new customer applied for a credit line of 80 million yuan, and the approved credit line was 200,000 yuan.

Third, in June this year, the head of business in northern Jiangsu resigned, and the alternation of old and new leaders also made my burden heavier. I actively cooperate with the new and old leaders to complete the handover, and have a stable relationship with the old customers of the department. In the second half of the year, we cooperated with the supervisor to develop 2 new customers and 0 old customers, and independently completed the credit granting of 7 old customers. And in June this year, 5438+ 10 independently contacted two interested customers, among which _ _ Group's trust financing business has entered the substantive operation stage.

In addition, I also work part-time as a computer administrator, attendance clerk and storekeeper in this department. While doing my job well, I also take the initiative to arrange time to complete part-time work with good quality and quantity. In the assessment of the information technology department of the branch in _ _ _, my computer management assessment was a perfect score, ranking among the best in the branch.

Combined with my work experience in the past year, I mainly have the following experiences:

1, carry forward the spirit of hard work and dedication.

_ _ Department, as the first branch in the province to carry out off-site business, is considered to be one of the most difficult departments of the bank. Traveling in other places for 3-4 days a week, running on the highway every day, giving up the opportunity to reunite with family, giving up rest time, and even sacrificing personal safety. Being able to continue to forge ahead in such a working environment is inseparable from my own mentality of "being young and not afraid of suffering" and "the greater the suffering, the higher the challenge". It is true that a job needs us to lose something, but it will certainly make us gain something. It should be said that the exercise I got in the second part of marketing is my biggest gain. In September this year, the branch leaders learned that we were both salesmen and drivers, and had encountered several thrilling emergencies on the expressway, and specially arranged drivers and business buses for us. In this way, when we go to other places to do business, we won't mind our own business, our safety will be better guaranteed, and we can also feel the concern of the leaders of the branch.

2, constantly strengthen their own learning and construction.

Continuous learning and improvement has been my goal since I joined the branch. The new situation forces me to constantly enrich myself. One of my learning goals is to learn business knowledge, including credit report writing, corporate financial analysis, investment banking, international business, capital capital business and constantly updated knowledge of our financial products. The second is the improvement of business ability: including the ability to handle various banking businesses, and the ability to deal with customers includes some social etiquette, negotiation skills, and some social experience. I have been learning these aspects since this year. In particular, I contacted the investment banking department and the capital market department of the company department and asked these departments to give us lessons to lay a good foundation for better applying these products to these customers. Bank leaders and department bosses have repeatedly stressed that off-site business needs to rely more on products to promote. Therefore, strengthening study is to lay a solid foundation for better promoting business development in the future.

3. Give full play to subjective initiative

This year, on the one hand, because of personnel changes, on the other hand, it is also the trust of leaders in themselves, and more and more exercise opportunities have been obtained. What gives me the greatest feeling is that there are more and more responsibilities, heavier burdens and greater pressure. The business level of previous contact is relatively low. As a co-sponsor account manager, I am more involved in doing something with the leaders. Later, the responsibility to bear is getting bigger and bigger, so we should think about the problem by ourselves, adopt various methods to solve it, share the pressure of the department and make greater contributions. Giving full play to subjective initiative means having this sense of ownership, treating all customers as their friends and all businesses as their own businesses, striving for perfection and doing things better.

In order to get ready first and lay a good foundation for next year's departmental business and my own work, I will briefly explain my work ideas for next year:

1. Continue to carry forward the spirit of hard work and dedication, continue to cooperate with leaders, and successfully complete all the task indicators issued by branches and departments. On the basis of good development momentum this year, we will make further efforts to increase the scale of deposits and loans and steadily improve economic benefits. In addition, reverse the weak indicators such as online banking and savings business in previous years.

2. Complete all kinds of customer maintenance work and do a good job in developing new customers. At present, there are more and more customers, and our department has limited manpower. How to effectively do a good job in customer maintenance has become an important issue. This year, we will focus on the maintenance of old customers to help new employees in the department gradually become familiar with various business processes. The focus of my work next year will still be to cooperate with leaders to maintain and tap the potential of old customers, and continue to implement some reserve projects this year. In addition, while the new employees in the department are competent for some work, I will devote more energy to the development of new customers according to the instructions of the leaders. The idea is to develop a group of high-quality customers in _ _ area on the basis of the existing customer base.

3, continue to strengthen their own learning, to achieve a new breakthrough in promoting the market with products. At present, among the business types of our department, Thorpe syndicated loan has been approved by the head office, and Haifa Group's trust financing is in operation. These businesses will effectively expand the product range of our department and make a useful attempt for us to promote foreign markets with new products. Next year, we will actively contact the back-office departments of branches, continue to strengthen the research and application of innovative products, and strive for a big breakthrough in innovative products.

As long as the economy is developing and progressing, our work will not stop. As an employee of _ _ Bank _ _ Sub-branch, I am enthusiastic in service and conscientious in my work. In the past 20__ years, I followed the footsteps of _ _ branch step by step and embarked on my own work path!

In this year's work, I strictly abide by the discipline of the bank and the arrangement of my work by the leaders, and finish the work in a timely and positive manner, which has won the trust of the leaders and customers. Now, I reflect on this year's work and summarize it as follows:

I. Personal service

As the lobby manager at the front desk of the bank, in our work, we have to directly face the customers and all the people in the lobby. To this end, there is no room for slack in the work.

I have always maintained a high enthusiasm for customer service, but I will not be too "active". I will observe in time at work, greet customers with clear goals politely and guide them a little. But the main target is new customers who are not familiar with banking business or people who need help. Most of them are old people or some young people who have just entered the society. For such customers, I should pay more attention to my position and be ready for consultation and guidance at any time.

Second, work ideas and attitudes

As bank service personnel, in our work, we have always maintained the pursuit and improvement of service. Therefore, mentality and attitude have been actively pursuing their own development.

In the past work, I have always insisted on facing customers with the most positive attitude, learned to adjust myself, keep smiling, face customers' needs with enthusiastic service and attitude, and make customers feel and be satisfied with the service of _ _ Branch.

Third, the reflection and deficiency of the works.

As far as my experience this year is concerned, although I have always maintained the most positive and enthusiastic working attitude in my work, there are thousands of customers, and I have met some customers with poor service, and I have not satisfied my service. I'm sorry about that.

Later, after reflection and introspection, I gradually realized that this is not a customer problem. As service providers, we can't choose our own customers, and we can't make our customers satisfied with every service. However, we can face different customers, but we can change our attitude and actions accordingly. Through our own changes, we can make different customers equally satisfied with our services and trust the work of _ _ Bank!

The new year's work is about to begin. In this year, I will improve my enthusiasm and make more useful contributions to the work of the _ _ branch!