Bank’s second quarter work summary

Example of Bank’s Second Quarter Work Summary

Since the beginning of the year, our bank has insisted on focusing on business operations and supporting the development of farmers and rural small and medium-sized enterprises, and has continuously improved various regulations. system, strengthened internal operation and management, paid close attention to the implementation of rules and regulations, worked hard to prevent and resolve financial risks from the source, ensure the healthy, stable and safe operation of various business activities, and achieved significant internal and social benefits. Zhuanghe has made positive contributions to building a modern ecological central city in the North Yellow Sea region.

1. Basic situation

(1) Loan situation

As of the end of March this year, the balance of various loans of our bank was 55 , 3.69 million yuan, an increase of 361.29 million yuan from the beginning of the year, an increase of 187.78. Among them: loans to farmers were 305.72 million yuan, accounting for 55.22%. Short-term guaranteed loans for rural industry and commerce were 146.89 million yuan, accounting for 26.53%. The short-term mortgage pledge of rural industry and commerce amounted to RMB 80.58 million, accounting for 14.55%. Rural medium and long-term guaranteed loans are 5 million yuan, accounting for 0.90. Rural medium and long-term mortgage loans were 15.5 million yuan, accounting for 2.80.

From January to March, a total of 635.73 million yuan in loans were issued, and a total of 274.44 million yuan in loans were recovered. The loan recovery rate at maturity is 100. Loan interest income of 28.87 million yuan was recovered, and the loan interest rate was 100.

(2) Deposit situation

At the end of March, the balance of various deposits was 509.23 million yuan, an increase of 246.04 million yuan or 93.48 yuan from the beginning of the year. Among them, the balance of savings deposits was 234.76 million yuan, an increase of 110.98 million yuan or 47.27 yuan from 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 yuan from the beginning of the year. Notice deposits were RMB 13.17 million, an increase of RMB 100 from the beginning of the year.

(3) Financial situation

At the end of March, our bank achieved various business income of 29.81 million yuan, including: loan interest income of 28.87 million yuan, financial institution transactions Interest income is 940,000 yuan. Various business expenses were 21.69 million yuan, the total pre-tax profit was 10.83 million yuan, and the after-tax net profit was 8.12 million yuan.

(4) Supervisory indicators

First, the status of assets and liabilities. 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 banks of 23.4 million yuan, short-term loans 527.03 million yuan, other receivables 120,000 yuan); long-term assets 75.08 million yuan (including: medium and long-term loans 26.63 million yuan, long-term investments 30 million yuan, and projects under construction 22.17 million yuan , net fixed assets of 1.79 million yuan, provision for loan bad debts of 5.54 million yuan (less items); deferred assets of 1.24 million yuan. Second, the total liabilities and owners’ equity are 699.74 million yuan, including: current liabilities 577.78 million yuan (short-term corporate deposits 261.31 million yuan, short-term savings deposits 245.57 million yuan, and interbank deposits 6,000 yuan). 10,000 yuan, remittances payable 20,000 yuan, accounts payable 1.65 million yuan, other payables 7.54 million yuan, taxes payable 1.7 million yuan); long-term liabilities 2.36 million yuan (mainly 2.36 million yuan in fixed-term savings deposits of more than three years) Yuan). Third, the total owner's equity is 119.61 million yuan, including: equity capital 110 million yuan; surplus reserve 820,000 yuan, general reserves 600,000 yuan, undistributed profits 8.19 million yuan; pre-tax profit this year 1 , 0.83 million yuan.

Second, capital composition. First, the owner’s equity is 119.61 million yuan. Among them: paid-in capital of 110 million yuan, surplus reserve of 820,000 yuan, general reserves of 600,000 yuan, and undistributed profits of 8.19 million yuan. Second, the weighted risk assets on the balance sheet are 578.14 million yuan. Third, the capital adequacy ratio is 21.64 ≥ 8 industry regulatory standards.

Fourth, the core capital adequacy ratio is 20.69 ≥4 industry regulatory standards.

Third, the credit risk situation is that the non-performing loan ratio and non-performing asset ratio are both zero. Second, the provision for loan bad debts at the end of March was 5.54 million yuan. The loan loss reserve adequacy ratio, asset loss reserve adequacy ratio, and provision coverage ratio are all ≥100, which are controlled within the standards specified by industry regulations.

Fourth, liquidity risk situation. One is the liquidity ratio of 107.90 (current assets/current liabilities). The second is 67.35 million yuan in deposits with the central bank, including: 58.56 million yuan in deposit reserves (implementing a deposit reserve ratio of 11.5), 8.79 million yuan in deposit reserves, and a deposit reserve ratio of 13.23. Third, the loan-to-deposit ratio (excluding capital) is 108.73, and the loan-to-deposit ratio including capital is 89.42.

Fifth, profitability. First, the asset profit rate is 1.54 ≥0.6 industry regulatory standards. Second, the capital profit rate is 9.85, which is not less than the industry standard of 11. Due to the short establishment time of our bank, small loan scale, and low loan interest income, the capital profit rate is lower than the level of the same industry. Third, the profit cost rate is 49.93 ≥ 45 industry regulatory standards

2. Main work measures

(1) Actively extend loans and fully support the economic development of "agriculture, rural areas and farmers".

Our bank adheres to the mission of serving "agriculture, rural areas and farmers" and adheres to the business direction of serving "agriculture, rural areas and farmers", serving small and medium-sized enterprises, and serving people's entrepreneurship, and provides agriculture, farmers and farmers with efficient, fast and convenient service methods. More than 500 million in credit funds have been injected into the development of rural economic organizations, making positive contributions to promoting regional economic development.

First, adhere to the principle of benefit-centered and service-oriented, rural areas and farmers, and make every effort to do a good job in loan disbursement. Since the beginning of the year, on the basis of establishing business goals and operating policies, our bank has organized the credit department to conscientiously do a good job in loan marketing to ensure the completion of credit operation targets. Main approaches: First, give full play to our bank’s short loan approval time, flexible loan methods, and convenient service methods to continuously expand our bank’s influence in society and create a good environment. The second is to focus on its own advantages in business development, focusing on key profitable businesses, focusing on issuing corporate loans and self-employed loans; on the basis of safe and stable business, issuing real estate mortgage loans; on serving agriculture, rural areas and farmers, actively exploring agriculture Loans for production projects; opening up new areas of credit business and issuing 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 period of time and lacks customer accumulation and customer awareness of our bank. Through the intermediary role of the guarantee company, the development of our bank's credit business has been promoted. From January to March, a total of 635.73 million yuan in loans were issued, and a total of 274.44 million yuan in loans were recovered. The loan recovery rate at maturity is 100. Loan interest income of 28.87 million yuan was recovered, and the loan interest rate was 100, exceeding the planned targets.

Second, efforts should be made to prevent and resolve credit risks and ensure the safety of credit assets. Rapidly promoting the development of credit business is an important task for us. Ensuring the safe operation of credit assets is a prerequisite and the cornerstone of our bank's survival. To this end, we strictly abide by credit management regulations from loan acceptance to loan issuance, and issue loans in accordance with credit business operating procedures. Conduct on-the-spot investigations on the credit business, insist on two-person investigation, and for loan projects exceeding one million, the bank's main leaders will personally visit the front line to make good loan options and asset evaluations. Our bank will not accept loans guaranteed by guarantee companies if there are unsafe factors in production and operation, effectively ensuring the quality of credit assets and achieving a maturity loan recovery rate and interest rate of 100%.

Third, adhere to our bank’s market positioning and business direction, and actively support the development of the rural economy. Our bank issued loans of 635.73 million yuan from January to March, all of which were used to support local economic development needs, playing a good role in business operations and farmer financing. Agricultural-related loans have been rapidly promoted to rural towns and villages. Despite the small number of institutional outlets and insufficient credit personnel, various difficulties have been overcome and the business has developed to more than 20 towns and streets in our city, covering 77 towns and villages.

The business scope involves agricultural breeding, forestry, facility agriculture, tourism agriculture, aquaculture, manufacturing, commercial services and other fields. Continuously innovate service methods, continuously improve mortgage guarantee methods, and adopt methods such as maximum mortgage revolving loans, guarantee company guarantees, enterprise joint guarantees, machinery and equipment mortgages, and rights mortgages, so that different industries can receive credit support. Support the development of farmers with flexible and convenient small loans, actively support leading agricultural industrialization enterprises 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 regional economic development, continuously strengthen our bank's operating strength, and fully achieve three-year operating goals, we have always adhered to the business philosophy of "deposits establish the bank, and loans develop the bank", so that the deposit business continues to increase.

Carry out deposit competition activities. At the beginning of the new year, our bank formulated the "Zhuanghe Huitong Rural Bank 2017 Annual Deposit Assessment Measures" and the savings deposit section competition at the end of March 2017. The competition set off a new upsurge in organizing deposit work, creating a new situation in which everyone has a heavy burden and targets on their shoulders, and achieved remarkable results. At the end of March, the balance of various deposits was 509.23 million yuan, an increase of 246.04 million yuan from the beginning of the year and an increase of 62.18 yuan from the beginning of the year.

2. Improve quality service levels and increase efforts to tackle key problems. 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 introduced low-cost funds from outside Zhuanghe with a cumulative amount of nearly more than 100 million yuan. The increase in public deposits not only reduces operating capital costs, but also strengthens our bank's credit capital strength.

3. Launched notice deposit business and achieved zero breakthrough in intermediary business.

First, in the deposit work, while doing a good job in traditional business, our bank is guided by market demand and aims to develop resources, and carefully studied and formulated the "RMB Notice Deposits of Zhuanghe Huitong Village Bank" Management Measures", and on March 20, the seven-day notice deposit business was launched. By March 30, the balance of notice deposits had reached 13.17 million yuan. Second, we actively promoted the intermediary business with collection and payment as the main content, established a good cooperative relationship with Zhuanghe Water Company, and started handling water fee collection business in April.

By increasing business varieties and innovating service functions, we not only effectively expanded the reach of our bank’s business, tapped new deposit resources, brought new profit growth points, but also created good social The effect has been well received by all walks of life.

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

First, carefully calculate the financial revenue and expenditure status and prepare a financial plan for 2017 financial revenue and expenditure. The second is to strengthen accounting guidance and improve accounting standards. In the accounting counseling work, based on the actual shortage of counselors, we adopt the methods of centralized counseling, on-site counseling, and individual communication. Through accounting coaching work, we have supervised and standardized accounting and financial settlement operating procedures, prevented operational risks, and played a positive role in ensuring the normal operation of accounting. Third, the bank's fixed assets and low-value consumables were verified and registered, and the ledger of fixed assets and low-value consumables was improved. The fourth is to improve the operation of the core system to make it suitable for the business characteristics of our bank. In order to gradually adapt the currently applied core system to the needs of our bank's business development, our bank communicated with the Technology Department of Dalian Bank many times from January to March and put forward more than 10 special business improvement suggestions, which received strong support from the Technology Department of Dalian Bank. Support has been implemented item by item. The fifth is to open a large and small payment system to solve the problem of unsmooth settlement. Since March 2017, in order to solve the problem of unsmooth settlement, our bank has made the launch of the large and small payment system an important task. After hard work, the Head Office of the People's Bank of China approved our bank to join the payment system indirectly. The dedicated line with Industrial Bank was connected on March 26 this year. After our bank and Industrial Bank Dalian Branch conducted system technology tests, the large and small amount payment system was officially launched on March 10.

The smooth opening of the large and small payment system not only solved the problem of poor settlement among national joint banks since the establishment of our bank, but also enhanced our bank's reputation in the financial system and all walks of life. At the same time, it played a very important role in accelerating capital turnover. .

(4) Pay close attention to the implementation of rules and regulations and promote the standardization of all work

While continuing to improve rules and regulations, our bank pays close attention to the implementation of rules and regulations , do a good job in standardized management, so that all work has rules and regulations to follow, and standardization is gradually realized. On the basis of the original 84 rules and regulations, our bank has added relevant rules and regulations based on the requirements of superior departments and the actual situation of the bank, mainly including: First, in accordance with the requirements of the Banking Regulatory Bureau, comprehensive revisions in accordance with the provisions of the new loan regulations Established loan management measures. On March 13, the "Basic Operation Procedures for Personal Credit Business of Zhuanghe Huitong Rural Bank (Trial)", "Basic Operation Procedures for Zhuanghe Huitong Rural Bank's Corporate Customer Credit Business (Trial)", and "Zhuanghe Huitong Rural Bank's Fixed Asset Loan There are five credit management measures: "Management Implementation Rules (Trial)", "Zhuanghe Huitong Rural Bank Project Financing Business Management Implementation Rules (Trial)", and "Zhuanghe Huitong Rural Bank Personal Loan Management Implementation Rules (Trial)". Second, in order to standardize the professional ethics of employees in our bank, improve the professional ethics and professional quality of employees, and maintain the credibility of the banking industry, we have formulated the "Code of Professional Conduct for Employees of Zhuanghe Huitong Rural Banks", which specifically stipulates what general employees should abide by. Article 9 of professional ethics and Article 5 of professional ethics that directors, supervisors and senior managers should also abide by. Third, in order to further improve the execution of our bank’s internal control and case prevention systems, solidly promote the effective implementation of case prevention work, and promote the safe and stable operation of various business activities, the Zhuanghe Huitong Rural Bank has formulated the annual activities for the implementation of internal control and case prevention systems Implementation Plan".

(5) Do a good job in employee training and quickly improve the quality of employees.

In order to meet the needs of our bank’s business development, quickly improve the comprehensive quality of employees, better cope with the challenges of the market economy, and create a high-quality and professional workforce, three new sessions have been held. Intensive employee training courses. Through intensive training, new employees can basically understand and master knowledge related to financial laws and regulations, business knowledge, business skills and other aspects. Make the training truly effective, achieve the expected purpose, and achieve 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 ensure that business operations are compliant and legal. According to the requirements of Dalian Banking Regulatory Bureau, at the end of March, our bank organized relevant personnel to seriously carry out case risk investigation work. During the investigation, the accounting and financial services from January to March were inspected. ***The total number of inspection transactions was 14,356, with an amount of 400.25 million yuan. Among them: 11,254 checks, amounting to 90.37 million yuan; 2,145 large deposits, amounting to 184.62 million yuan; 312 bank-enterprise reconciliations, amounting to 181.97 million yuan.

Judging from the results of the investigation, no violations of rules, regulations, disciplines, or laws were found. Through the work of investigating case risks, the political, professional quality, moral quality and consciousness of the employees to abide by the law and prevent cases have been further improved.

2. Further improve the case prevention and control implementation plan. According to the requirements of the Dalian Banking Regulatory Bureau and combined with the actual situation of the Bank, the "Implementation Plan for the Annual Activities of Zhuanghe Huitong Rural Bank's Internal Control and Case Prevention System Implementation" was formulated to clarify the purpose and significance, guiding ideology, work objectives, and basic activities of the activities. Principles, timing and promotion methods. Through carrying out activities, we will effectively solve some problems in case prevention work such as untimely policy transmission, insufficient understanding, unspecific implementation measures, gradual decline in execution power, passive or coping execution, failure to follow rules, illegal operations, We will further improve the execution of internal control and case prevention systems, solidly promote the effective implementation of case prevention work in the banking industry, and promote the safe and sound operation of the banking industry.

(7) Strengthen secretarial management and improve secretarial management levels.

Based on the "Measures for Handling Official Documents of Zhuanghe Huitong Rural Bank" and the "Interim Measures for the Arrangement of Documents and Files of Zhuanghe Huitong Rural Bank" and other six systems involving secretarial work, we will strengthen the standardization of secretarial work. According to statistics, from January to March, *** received 270 documents, all of which were signed, registered, and urged according to prescribed procedures. From January to March, 103 documents were issued, and they were handled in strict accordance with the prescribed procedures. In the process of processing official documents, we adhere to the principles of seeking truth from facts, simplicity, and efficiency, and strive to be timely, accurate, standardized, and safe.

(8) Increase publicity and establish a new image of society.

In view of the fact that our bank was established late, is small in scale, has a narrow radius of radiation, and has low social visibility, since the beginning of the year, our bank has continued to hang banners, post slogans, pay New Year greetings on TV, radio advertisements, and dispatch promotional vehicles. and other publicity forms, vigorously carried out the theme publicity of "Zhuanghe Huitong Rural Bank is a bank for urban and rural people and a bank for small and medium-sized enterprises", comprehensively publicized the business operation status of our bank, and further improved our bank's visibility. Improvement has attracted great attention from relevant departments and all walks of life. ;