Bank work summary report for the first half of 2021

In the blink of an eye, half a year has passed. As a member of the bank, it is conducive to promote the development of the bank to summarize the work of the bank in the past six months. The following is the "Bank Work Summary Report for the First Half of the Year 2021" compiled by me for everyone. It is for reference only. You are welcome to read it. Bank’s First Half Work Summary Report 2021 (1)

In the first half of the year, under the correct leadership of the provincial branch party committee, our bank conscientiously implemented the spirit of the provincial Agricultural Development Bank of China branch presidents’ meeting at the beginning of the year, focused on work priorities, and highlighted Rationally develop, continue to focus on customer marketing, comprehensively consolidate basic management, make great efforts to prevent credit risks, strive to improve the quality of credit assets, and strongly support the urban transformation and new rural construction of xx.

1. Completion of operating indicators

In the first six months, our bank’s business operations showed two decreases, three increases and four decreases year-on-year, namely:

Loans The balance decreases. As of the end of June, the bank's loan balance was xx million yuan, a decrease of xx million yuan from the beginning of the year, a decrease of xx%.

Per capita deposits increased. At the end of June, the balance of various deposits was xx million yuan, and the per capita deposit was xx million yuan, an increase of xx million yuan year-on-year, an increase of xx%.

Total profits increased. Despite the increase in various expenses, the book profit was xx million yuan in the first half of the year, a year-on-year increase of xx million yuan, an increase of xx%.

Non-performing loans and their proportion decreased. As of the end of June, the bank's non-performing loan balance was xx million yuan, a decrease of xx million yuan from the beginning of the year, and the proportion dropped by xx percentage points.

The cost of revenue ratio decreased. At the end of June, the bank's revenue cost rate was xx%, a year-on-year decrease of xx%, which was xx% lower than the target value of the provincial branch.

Profit rate on assets declined. At the end of June, our bank's asset profit margin was xx%, down xx percentage points year-on-year.

Intermediary business income declined. In the first six months, the bank's intermediary business income was xx million yuan, and the per capita intermediary business income was xx yuan, a year-on-year decrease of xx yuan.

The cumulative number of loans is reduced. In the first half of the year, the bank issued a total of xx million yuan in various types of loans, a year-on-year decrease of xx million yuan, a decrease of xx%.

The accumulated loan amount increases. From January to June, the bank recovered a total of xx million yuan in various loans, an increase of xx million yuan year-on-year, an increase of xx%.

2. Main work and results

(1) Clarify the focus of work and continue to focus on customer marketing.

1. Based on project loans, actively support the urban transformation of xx City. First, conscientiously implement the "Customer Marketing Plan" of the municipal branch at the beginning of the year, and vigorously market project loans through cross-investigations and joint investigations between municipal and county branches. In the first 6 months, the whole bank accepted and investigated xx loans of various types, worth xx million yuan, including: 18 new marketing loan projects, worth xx million yuan; 5 project loans of more than xx million yuan, including xx, were reported to the provincial branch , xx million yuan, and one transaction of xx million yuan has been approved and issued by the provincial branch. The second is to focus on the urban transformation of xx City and conduct in-depth marketing of low-risk loans. On xx, xx this year, xx city was listed as one of the first batch of resource transformation cities by the country. Among the xx transformation projects planned by the municipal party committee and the municipal government, xx projects with xx billion yuan in loans are in line with the credit policy of the Agricultural Development Bank of China. Accordingly, our bank seizes the opportunity and actively participates in and supports the urban transformation of xx City. At the beginning of May, we cooperated with the Municipal Development and Reform Commission and xx Bank to hold five docking meetings, including the docking between financial institutions and small and medium-sized enterprises, and signed 8 intention loan agreements worth xx million yuan; at the end of June, we assisted the Municipal Township Enterprise Bureau to hold a city-wide agricultural and livestock product processing The phased summary meeting of industrial economic transformation selected and introduced xx agricultural and livestock industry loan projects, with a total capital requirement of xx billion yuan, and applied for bank loans of xx billion yuan. Among them, xx projects have previously established a working capital credit of xx million yuan with our bank. relation.

2. Based on the current situation of grain reform, steadily support agriculture and grain production. First, on the premise of conscientiously implementing policies and ensuring the normal supply of funds for corporate acquisitions, we should appropriately control the number of loans for grain and oil acquisitions, promote promotion and reduce inventory, and actively adjust and optimize the loan structure. From January to June, the bank issued a total of xx million yuan in grain and oil purchase loans, a year-on-year decrease of xx million yuan; supported enterprises to purchase xx million kilograms of various grains and oils, a year-on-year decrease of xx million kilograms; the company sold a total of xx million kilograms of various grains and oils, xx yuan Yuan, an increase of xx million kilograms and xx million Yuan year-on-year. The second is to gradually support the establishment of city and county-level grain and oil reserves, stabilize the regional agricultural market, and constantly seek new growth points for traditional businesses.

In the first half of the year, our bank provided county-level grain reserve loans of xx million and xx million to xx County Grain Corporation and xx warehouse respectively, supporting the establishment of county-level grain reserves of xx million and xx million kilograms. The third is to base on order agriculture, optimize loan recipients, and fully support spring plowing production in counties and districts. This year, we implemented the idea of ??supporting contract agriculture with both decrease and increase, and issued xx million yuan in contract purchase loans with state-owned grain purchase and sales enterprises as the main loan recipients, a year-on-year decrease of xx million yuan; Small business loans and industrial leading enterprise loans of xx million yuan. The two items totaled xx million yuan, an increase of xx million yuan year-on-year; the area of ????implemented orders was xx million acres, an increase of xx million acres year-on-year.

3. Combine the advantages of the county and district to vigorously market deposits and intermediary businesses. First, the absorption of fiscal deposits from each county and district is linked to the total amount of loan support to the county and district. In the first half of the year, the xx County Branch marketed fiscal agriculture-related capital deposits of xx million yuan. The second is to link the absorption of interbank deposits with the promotion of cooperation with other financial institutions. The xx county branch marketed interbank deposits of xx million yuan from local rural credit cooperatives. The business department of the city branch marketed xx million yuan from interbank deposits from urban credit cooperatives in xx city last year. This year we will sell xx million yuan again. The third is to link the intermediary business marketing with improving the settlement methods of the Agricultural Development Bank. As of the end of June, the entire bank has handled xx bank acceptance bills worth xx million yuan. The fourth is to link supporting customer development with participating in the Agricultural Bank of China’s agency insurance business. In the first six months, the bank conducted xx insurance agency business worth xx million yuan, and achieved agency premium income of xx million yuan.

(2) Highlight rational development and make every effort to prevent and control credit risks.

In order to further consolidate the foundation of credit management, our bank has designated XX as the year of rectification and standardization of the city's Agricultural Development Bank of China's credit business, starting from seven aspects: inspection, standardization, monitoring, prevention, collection, disposal, and term management. , make every effort to control and resolve loan risks, and strive to improve the quality of credit assets.

First, continue to increase efforts to inspect and rectify problems. In the first half of the year, four bank-wide credit inspections were conducted focusing on the "Three Loan Inspections, Self-inspection and Self-Correction Plan" and "Loan Compliance Usage Audit Plan", and 9 categories of xx irregularities were found; by the end of May, all problems had been rectified in place. The second is to comprehensively standardize the basis of credit management. In January this year, xx credit files in the city since xx were centralized and archived; loan application procedures were strictly enforced. Starting from April, the completeness and standardization of loan information of various banks and relevant departments and offices, the timeliness and compliance of loan processing were The regulations are included in the city and county bank assessments, and the performance appraisal salary is linked to xx yuan. The third is to conscientiously monitor and control overdue loans. In the first half of the year, xx overdue loans worth xx million yuan were collected through day-by-day monitoring and house-by-house monitoring; through off-site supervision, we fully recovered overdue commercial loans and interest arrears, discovered and resolved xx system early warning information, and rigidly restrained xx . The fourth is to urge loan officers to strengthen supervision throughout the process. Strictly implement the monthly reporting system for post-loan supervision of loan officers. In the first 6 months, we reviewed xx post-loan supervision reports of loan officers in the city, found xx risk problems, and put forward xx suggestions for improvement; in early June, a city-wide credit meeting was organized in xx County The supervisory debriefing meeting after the loan is held will evaluate and score from five aspects: the quality of the debriefing report, the situation of the supervised enterprise, the on-site Q&A situation, the resolution of the rigid constraints of the xx system, and the operating status of the enterprise, to urge the account management loan officers to implement their responsibilities and strengthen supervision. Fifth, we will make every effort to collect non-performing loans. By formulating plans early, assigning tasks on a monthly basis, determining collection priorities, and conducting assessments in a timely manner, the bank collected xx million yuan of non-performing loans in the first half of the year, completing xx% of the full-year collection tasks assigned by the provincial branch. , when the bank's loan balance fell by xx million yuan at the end of June compared with the beginning of the year, the proportion of non-performing loans dropped by xx percentage points. Sixth, we effectively dealt with the risk of overdue contract acquisition loans. Giving full play to the role of the government as a credit platform in Agricultural Development Bank of China’s support for contract farming, in early June, the xx County Party Committee and County Government held a meeting of heads of xx townships in the county to support the Agricultural Development Bank of China in fully recovering the overdue contract acquisition loans from xx years to half a month. xx million yuan. Seventh, strengthen loan term management.

Mainly in the support of xx County beer barley, the loan period is determined based on the company's operating cycle, risk tolerance and loan guarantee capabilities, close attention is paid to the overdue situation of the loan, strengthening inventory supervision, increasing promotion efforts, and supervising according to the company's settlement cycle The bulk agricultural and sideline products transactions are returned to the bank in a timely manner, and the loan recovery situation of the previous year is linked to the new loans, striving to achieve a double balance of xx million yuan in loans and xx million kilograms of inventory before the arrival of the new operating cycle in late July and early August. zero.

(3) Continuously strengthen internal management around business development.

This year, we adhere to the principle of improving both internally and externally. On the one hand, we strive to expand credit business, and on the other hand, we pay more attention to carefully building a secondary branch operation and management platform and comprehensively carry out various internal management tasks. First, in accordance with the requirements of total volume control, balanced implementation, timely adjustment, and flexible management, we strengthened fund operations and xx limit management. In the first half of the year, xx used xx million yuan, a year-on-year decrease of xx million yuan, and the average monthly fund utilization rate reached xx% . The second is to further standardize and improve the performance appraisal system of city and county banks, focus on key tasks, dynamically adjust scores, strengthen the linkage, and refine the job and person. In the first 6 months, the assessment fee for each grassroots bank department will be xx million yuan. , a reward of xx million yuan, a deduction of xx million yuan; a performance-linked salary of xx yuan, a reward of xx yuan, a deduction of xx million yuan; and a linkage to the city branch assessment fee of xx yuan. The third is to improve the weekly meeting system in layers, strengthen the construction of execution capabilities, and further improve the work efficiency and quality of cadres and employees. In the first half of the year, the Municipal Branch *** organized xx weekly meetings, arranged xx items of work, and actually completed xx items, with a work completion rate of xx%. The fourth is to strengthen financial accounting management, monitor loan interest recovery on a door-to-door basis, and strive to improve profitability. In the first half of the year, the loan interest recovery rate reached xx%, the same as the previous year; standardize expense reimbursement procedures, create sunshine finance, especially for various banks and departments. The top leader directly handles expenses and purchases of items, making prohibitive requirements. The fifth is to strengthen internal control and security in a timely manner, and further strengthen the management of cash in stock, important blank vouchers and IC cards; focusing on the overall situation of stability and unity in my country's Olympic year this year, comprehensively strengthen security and firearms and equipment management to ensure the safety of business operations and various tasks. Steady operation.

(4) Adhere to people-oriented and further promote corporate culture.

While actively promoting the effective development of business and striving to improve the quality of credit assets, we adhere to the principle of correcting both and promoting both, and comprehensively carry out various tasks of corporate culture construction. First, study is placed at the top of all tasks. Through party committees, central group study meetings, executive meetings, weekly meetings and other forms, all members of the bank have studied the relevant documents and systems and methods of the superior bank, strengthening the team. Team building, efforts have been made to improve the quality of employees. The second is to make full use of the president's reception day to carry out heart-to-heart talks with xx cadres and employees of city and county banks, strengthened communication between bank leaders and employees, effectively solved some hot and difficult issues that everyone was concerned about, and further consolidated the integrity and smoothness of the work. A harmonious situation of unity, strength and excellence. The third is to establish a new corporate image, unify office supplies, set up image columns, provide pre-shift music, standardize writing and information reporting formats, coordinate with city credit unions many times, and complete the posting and hanging of image signs outside the building. . The fourth is to carry out in-depth construction of institutional culture and professional culture. According to the nature of department work and employee position requirements, collect, refine, write and post 22 collective ideas and xx personal mottos; organize employees to conscientiously study the "xx Bank Employee Code of Conduct" formulated by the head office (Trial Implementation)", watched etiquette video lectures; carried out cultural month activities in sequence, organized employees to carry out field development training in xx in mid-June; formulated, modified and improved various systems and methods, and conducted 40 current internal management systems After collecting, screening and organizing, the compilation, printing and distribution of the "Internal System Compilation" of corporate culture were completed in early June. The fifth is to actively organize and participate in charity activities. After xx on xx, our bank actively responded to the call of the Party Central Committee, the State Council, and the Party Committee of the Head Office and Provincial Branch. It was deeply concerned about the disaster area and mobilized all actions. A total of xx yuan was donated; xx pieces of clothing, xx quilts, beds, soaps, and disinfectants were donated. Each xx box has done our part to help the compatriots in the disaster areas overcome the difficulties and rebuild their homes.

3. Existing difficulties and problems

First, the urban transformation of xx City has a large demand for credit funds, which provides a rare development opportunity for our bank. It is recommended that the provincial branch Can give our bank special credit or special loan policy preference for urban transformation. Second, grain reform is developing slowly, and 51 enterprises in the city have a funding gap of xx million yuan for restructuring, which has caused potential risks to the safety of our bank's loans. Third, the large customers such as Datang Wind Power and SDIC Wind Power that our bank has already marketed have urgent demand for follow-up loans, which poses certain challenges to our bank's follow-up marketing and customer maintenance work.

4. Work plan for the second half of the year

(1) Focus on supporting summer grain acquisition. Conscientiously implement the policy requirements of the State Council, the China Banking Regulatory Commission and the head office on supporting agriculture and grain production, fully tap local traditional customer resources, and on the premise of ensuring the supply of funds for the acquisition of existing grain companies, select the best and do a good job in other qualified grain purchase and sales companies. Credit support works to consolidate and develop traditional businesses.

(2) Continue to do a good job in loan marketing. In accordance with the relevant national financial institutions' policies to support the transformation of resource-based cities, on the one hand, we actively apply to provincial branches and head offices for special credit or special loans for the sustainable development of resource-based cities; on the other hand, according to the xx City Branch's xx "Customer Marketing" formulated at the beginning of the year Plan", and actively carry out reserve, cultivation and marketing of loans for key projects within the jurisdiction.

(3) Make every effort to prevent credit risks. We still put risk prevention at the top of all our work, and in accordance with the principles of sound operation, emphasis on speed and quality, we will increase inspection and rectification efforts, standardize loan processing procedures, conduct timely monitoring and control, comprehensively prevent loan risks, and make every effort to collect non-performing loans. loans and strive to improve the quality of credit assets.

(4) Comprehensively strengthen internal management. Improve various systems, standardize operating procedures, and carry out in-depth execution building; establish a correct awareness of capital planning, and strive to achieve optimal allocation of loan funds; establish a scientific performance appraisal system, and further promote job management and performance appraisal; strengthen internal control and safety Protect and ensure the safe operation of business operations and various tasks.

(5) Deeply promote corporate culture. Actively explore incentive mechanisms that are conducive to improving the overall quality of employees; continue to focus on the in-depth corporate culture construction with institutional culture, behavioral culture, and professional culture construction as the core, enhance employees' centripetal force and sense of belonging, and create a harmonious and professional working environment , strive to achieve development based on agriculture and promote harmony based on people.

(6) Complete business goals in an all-round way. Further leverage the role of the secondary branch management platform, establish a strong concept of cost-effectiveness, increase revenue and reduce expenditure, run the bank diligently and frugally, strictly control expenses, continuously expand sources of income, further increase interest collection, strive to improve operating efficiency, and ensure comprehensive and balanced completion Various goals and tasks throughout the year. Bank’s First Half Work Summary Report 2021 (2)

In the first half of the year, our branch, in accordance with the work arrangements of the head office and xx branch, conscientiously implemented the bank’s “xx, xx, xx” work policy and fully cooperated with the branch transformation work. Strengthening the construction of the staff team, strengthening internal control and risk management, and making concerted efforts to implement the work ensured the steady operation of various indicators of the bank in the first half of this year, laying a solid foundation for completing the annual goals and tasks.

1. Completion status of various indicators

In the first half of this year, affected by factors such as the debt crisis of many countries and the downturn of the domestic market economy, the development of the financial system has slowed down, which has increased the operational development of the financial industry. difficulty. In the unfavorable environment, our branch worked together and all employees worked together to achieve a better completion of the first half of the year. As of the end of June, our branch;

(1) Corporate indicators have increased significantly . At the end of June, the balance of corporate deposits was xx billion yuan, an increase of xx billion yuan from the beginning of the year. Both the growth rate and the actual growth rate ranked first among the outlets under the jurisdiction of xx branch. The average daily increase in corporate deposits is xx, ranking x among all outlets in the xx branch area, and opening xx new corporate accounts. In the credit business, through the efforts of the credit staff, in order to avoid risks, in the first half of the year, our branch *** recovered a personal loan of xx million yuan to avoid risks caused by interest rate fluctuations, and carried out xx. The fourth-level non-performing loans have recovered xx million yuan, and the overall quality must be improved.

(2) The gold indicators have completed the annual plan well. According to May data, among the 14 comparable indicators, xx items exceeded xx points, and 5 items received full marks.

The balance of savings deposits is xx billion yuan, an increase of xx million yuan from the beginning of the year, ranking third among the branches of xx branch. There are xx new salary payment customers; the effective consumption limit of bank cards is xx; the number of new special merchants is xx; electronic banking counters The replacement rate is xx; the number of effective new customers of personal online banking is small xx.

2. Review of the main work in the first half of the year

(1) Adhere to employee-oriented, pay close attention to the construction of the employee team, fully mobilize employees’ work enthusiasm, enhance employees’ sense of belonging to the organization, and strive to Create a united, harmonious and efficient fighting masses. This year, our branch has taken team building as its top priority, seeking development in a down-to-earth manner, doing practical things sincerely, straightening out popularity and gathering people's hearts. The first is to establish marketing incentive measures for the xx branch. Employees who have contributed to the development of the branch will receive additional rewards for the branch’s marketing rewards. The second is to organize regular training to improve the overall quality of employees. All documents issued by superiors will be A dedicated person will first conduct an understanding and sorting out, and then hand over the extracted key points to employees to learn and discuss the difficult points. Achieve high business accuracy. The third is to warm people with family affection, extend a helping hand in time when employees are sick or have family difficulties, and increase assistance.

(2) Adhere to the customer orientation, sort out its own business structure, use product marketing and personalized services as means to further expand the customer base and ensure the rapid development of various businesses of the branch. xx branch has more than xx corporate customers, ranking second in the region in terms of number of branches, and corporate customer deposits account for 77% of the total deposits. How to use the rare personnel marketing to serve the huge customer group is the focus of the work. My branch has established the following set of methods;

First, it has established its own customer hierarchical marketing system. While developing new customers, it should focus on maintaining existing customers. Classify and manage customers according to their deposit holdings ranging from xx million to xx million, xx million to xx million, and above 10 million. At different levels, marketing personnel are organized to carry out separate and layered marketing; secondly, the monitoring system for deposit customers is further improved, and deposit customers with an average daily balance of more than xx million yuan are targeted, and key monitoring is carried out to enhance the sensitivity of response to abnormal changes in customer deposits and adjust marketing in a timely manner strategy; the third is to increase corporate service tellers. Currently, our branch has arranged Keep in close contact and notify customers of our bank's policies and product information as soon as possible.

(3) Implement the work spirit of the head office and xx branch and vigorously promote flat work. The flattening of business outlets is a trend in modern bank structures. After flattening, a three-layer intensive management model can be realized, which greatly reduces the non-operating pressure of outlets, releases human resources of grassroots outlets, and stimulates the vitality of outlet operations. Our branch ensures that the spirit and documents of each meeting under the jurisdiction of the branch are delivered to every employee as soon as possible, and holds regular meetings to promote the advantages of flat management, improve employees’ ideological understanding, and ensure that employees can Change your thinking in a timely manner and actively participate in the recruitment activities at all levels of the branch without any adverse events.

3. Some problems in the work in the first half of the year

First, the hierarchical management of high-end customers is still in its infancy. Although our branch has created its own hierarchical marketing management methods for high-end customers, The hierarchical management of customer management is still in its infancy, and there is an urgent need for the whole bank to establish a set of differentiated service systems and methods for high-end customers so that outlets can have methods to follow and resources to utilize in their marketing work. Only through some high-end cultural salons, economic forums and other service means can we attract and retain customers.

Second, the team of account managers needs to be further strengthened. At present, our bank has few products, fewer account managers, and less experience; most financial services have relatively poor market competitiveness; most old customers are through account managers. Continuous marketing is effective, but it is clearly struggling to attract new customers.

The third is the new business system in early June, and it will take some time for employees to get used to it.

4. Working methods in the second half of the year

In the first half of this year, all business operations of our bank have developed steadily, and various indicators have improved significantly compared with last year. But we must also be clearly aware of the huge difficulties and challenges we face in the second half of the year. In the second half of this year, the central bank may still cut interest rates again, and the loosening of interest rate pricing power will cause certain difficulties in our marketing work.

Our work focus in the second half of the year:

1. Continue to focus on team building and further enhance the sense of organizational belonging and professional mission of all employees. Increase the intensity of courtesy service inspections and improve employees' professional quality, service awareness and customer communication skills.

2. Further increase efforts in marketing and serving customers, further consolidate and develop the results achieved in the first half of the year, and make every effort to fully complete the goals and tasks for the whole year.