President's five-minute speech 2020

Faced with the huge competitive pressure in the financial industry, the branch team kept a clear understanding of some achievements. "The Xiongguan Road is really like iron, and now it is one step away from the beginning." Achievements can only belong to the past, and the future needs hard work. In the future, under the correct leadership of the branch, I will unite with the members of the branch team to lead the cadres and employees, continue to inspire the enthusiasm of all employees to work hard and forge ahead, and make persistent efforts to make the branch work in by going up one flight of stairs. Next, I will sort out a speech about the president's speech for everyone to read and enjoy!

Chairman's speech 1

Dear leaders, distinguished guests, friends, ladies and gentlemen, good afternoon!

The drums we heard just now were sometimes loud, sometimes restrained, sometimes uplifting, and sometimes uplifting. This drum is like our market, like the people in our market, like the mood of people in our market. In this drum, the launching ceremony of China Merchants Bank's second financial education public welfare bank and Rogers commodity investment report began. We hope this drum can bring us a lot of enlightenment, and we can all stand on the drum and hold our heads high in this enlightenment. On behalf of China Merchants Bank, I would like to express my warmest welcome and sincere thanks to the leaders of various regulatory agencies, experts and scholars, leaders of major financial intermediaries, friends of the news media and customer representatives who have come to participate in this activity.

It has been nearly 30 years since China's reform and opening up. One of the great changes that these 30 years have brought us is the rapid increase of residents' wealth and great changes have taken place in the structure of residents' wealth. Under such changes and such growth, the majority of residents have put forward new financial demands for the preservation and appreciation of wealth and the increase of property income. At the same time, China's capital market has developed from scratch, ups and downs, and flourished in these decades, reaching such a scale today, which has touched the hearts of hundreds of millions of people today. Then, with the changes of market environment and residents' needs, China's commercial banks are also opening up new wealth management markets to provide wealth management services for Chinese residents and meet the investment needs of maintaining and increasing value. In recent years, the wealth management market of China commercial banks has grown from scratch to today. Last year, China Merchants Bank issued more than 170 wealth management products in one year. Of course, our capital market also has a variety of securities products, fund products, trust products and other products to meet the investment needs of customers.

Although our market has made great progress, we have to admit that our investment market and our wealth management market are far from mature. It not only needs us to continue to provide more abundant products, but also needs us to improve the market operation mechanism and strengthen market supervision. It also needs all participants in our market to mature quickly, so that our market will mature. We see that our investors have not fully established the concepts of rational investment, value investment and investment suitable for their own needs. Suppliers of investment products have a lot of work to do in how to train investors to understand and participate in the investment market more rationally, how to sell the right products to the right residents and customers, and how to provide all kinds of investment information to customers accurately and timely. Any responsible bank is willing to be a rational bank in this market and a bank with a sense of responsibility to its customers. As one of the initiators of China Corporate Social Responsibility Alliance and a commercial bank with a strong sense of social responsibility, China Merchants Bank is well aware of our own responsibilities. We not only hope to create the greatest commercial benefits for commercial banks, but also hope that our customers will become rational investors and be invincible in the investment market on a rational basis. Therefore, in the golden autumn of last year, China Merchants Bank held the first financial education public welfare activity, which far exceeded our expectations. Last year, we held more than 1000 free financial education lectures in this activity to instill the concept of investment risk and investment knowledge. Just like this, our activities won the full support of the regulatory authorities, the high attention of major media and the enthusiastic participation of our customers. Last year, we only attended the live lectures of more than 200,000 listeners. Nearly 80,000 netizens participated in our online blog contest. It should be said that this financial education activity has achieved very fruitful results, allowing investors and China Merchants Bank to experience the baptism of the market and accept the education of the market together. It is on this basis that China Merchants Bank once again launched the second financial education public welfare activity in the bright spring season in March. As we all know, from last year to this year, our market fluctuated. At this time, our investors need to have a deeper understanding of the investment market, a deeper understanding of the mechanism of the investment market and a more rational participation in the market. Therefore, we held the second financial education charity trip.

In this activity, we plan to hold more than 1000 financial education lectures in 45 cities across the country, and go deep into communities, enterprises and institutions, universities and colleges. All lectures will be given by a professional team composed of financial planning experts from China Merchants Bank and famous economists and analysts from abroad. We will also open lectures to the public free of charge and provide corresponding learning materials. At the same time, a contest to select Chinese-style financial plans was held, and a column was opened in conjunction with well-known online media to collect and evaluate Chinese-style family financial plans in the whole society, so as to improve the financial management level of Chinese investors. Our activities have received positive responses from regulators, financial intermediaries, experts, scholars and customers. Today's first report attracted Mr. Rogers, an internationally renowned investment guru, to give us the first investment report. I hope that through such activities, customers can understand the investment risks, improve the investment level and avoid risks, and with the joint efforts of all of us, our investment market will be more mature.

"Infinite scenery is at a dangerous peak", investment is the expectation of the future, and the expectation of the future is uncertain. Uncertainty means risk, and investment is to gain benefits from risk. We hope that we can control risks together, and the providers and buyers of wealth management products can jointly control the market better in this market. No matter how stormy it is, it is better to walk around. Thank you!

Speech by the second chairman

We talked a lot and talked very well. Here I also briefly talk about some of my feelings and thoughts. It can be seen that the branch's determination to reform its outlets is firm and its strength is obviously strengthened. Although the overall performance is optimistic and all the achievements have increased to a certain extent, objectively speaking, the progress is still not obvious enough. Based on the situation of our branch, I will briefly analyze it, hoping to find some enlightenment about where to go in the future.

1. For basic business, the business ability and level of some employees need to be improved, especially for compliance operation. It is very important to strengthen communication between employees and communicate with the higher level in time. Don't refuse to accept business without knowing the situation, which will create a negative image of inefficiency and complicated procedures for banks and hinder the development of related businesses. Of course, if it is illegal, it should be unacceptable, but it needs to be explained to the customer. In all communication links, as a network director, strengthening his own business ability and coordinating related work can not only control risks, but also improve everyone's work efficiency and effectiveness in the future. So the basic work can't be relaxed.

Second, encouraging staff morale is the key to improving combat effectiveness. No matter how beautiful and luxurious the outlets are, they are just a facade. Although it is a qualitative leap for our image project, the key to promote our development lies in people. As the director of the network, what we have to think about every day is how to motivate everyone to actively complete the tasks within the schedule and even catch up with the schedule. Of course, for every network, every job has its own advantages and disadvantages, and it is really difficult to cover everything. Some of our comrades may have worked in the same post for a long time, and their enthusiasm has gradually faded. However, the development of our bank does not allow any of us to fall off the chain at a critical moment, and the director cannot take the lead. However, a person's strength is always limited. If the spirit of not giving up is used well at this time, it is the magic weapon to win. Judging from the reaction of employees, I think there are several points worth pondering, that is, we must adhere to clear rewards and punishments, fairness and justice, and give priority to efficiency.

In recent years, our bank has recruited many college students one after another, which has replenished our blood in time, enriched the talent team and alleviated the employment pressure of outlets to some extent. At this time, how to give full play to the scale advantage of personnel is another problem worth thinking about. I often worry about whether we can adapt to and stay ahead of the changing development situation of the banking industry and the growing demand for financial services in society. If all employees can perform their duties, learn from each other's strengths, rely on each other and cooperate with each other to train more people to make people, then our business development will really be supported. Therefore, I think that no matter the president, vice president or front desk teller, while doing their jobs well, everyone should actively learn new business and accept new ideas, and should make more efforts if they want to go further in the future.

Finally, I sincerely wish our bank a better and better tomorrow, and I believe it will. thank you

Chairman's speech 3

20_ is an extraordinary year in the development of China Merchants Bank. Over the past year, with the deepening impact of the global financial crisis, the slowdown of domestic economic growth and drastic changes in the market situation, the Bank actively implemented the requirements of the regulatory authorities and the board of directors, overcame various unfavorable factors, solidly promoted the adjustment of business strategy and management changes, and maintained a good development trend as a whole.

By the end of the 20th century, the total assets of the Group were RMB 65,438+0.5,765,438+0.797 billion, an increase of 65,438+0.9% compared with the beginning of the year. The total customer deposits were 654.38+250 million yuan, up by 32.55%. Loans and advances totaled 874.362 billion yuan, an increase of 29.89%; The net profit attributable to shareholders of the Bank was RMB265.438+77 billion, up 38.27% year-on-year.

Over the past 20 years, the business development of the Group has shown the following characteristics: First, the profitability has been steadily improved. The average ROAA of the Bank was 65,438+0.46%, up 0.65,438+00 percentage points year on year; The average return on equity (ROAE) of shareholders of the Bank was 28.58%, up by 3.82 percentage points year-on-year. Second, the quality of assets continued to improve. The total amount of non-performing loans at the end of the year was 9.677 billion yuan, a decrease of 765.438+0.7 billion yuan compared with the beginning of the year; The NPL ratio was 1. 1 1%, which was 0.43 percentage points lower than that at the beginning of the year. Third, the retail banking business has made gratifying achievements in adversity. The proportion of total retail loans to total loans and advances was 26.6 1%, up 0.6 1 percentage point from the beginning of the year. The proportion of total savings deposits to total customer deposits was 465,438+0.97%, up 7.36 percentage points from the beginning of the year.

Over the past 20 years, the Bank has made solid progress in management reform, established a vertical management system with dual leadership of compliance officer and compliance department, two-way assessment and two-line reporting, established three lines of defense for compliance management, and further strengthened internal control and compliance management; Carry out comprehensive credit risk investigation, deepen the reform of loan approval system, formally submit the overall plan for the implementation of the New Capital Accord to the CBRC, and further enhance the risk management and control capabilities. Service supervision and management centers have been set up in the head office and branches to deeply advocate the customer-centered service concept; Strengthen the professional management of all business lines, introduce six suitable tools to comb and optimize business processes, and steadily promote the whole process management.

In the past 20 years, the Bank has further promoted the adjustment of business strategy, constantly innovated retail financial products, vigorously promoted the integration of "winning by outlets" and new processes of personal loan business, and accelerated the development of retail banking business; Actively adjust the credit card marketing strategy and explore the road of lean customer management; With the management of customers' total assets as the core and high-quality wealth management products as the link, vigorously develop wealth management business; Vigorously promote the development of intermediary business, especially emerging intermediary business such as cash management, enterprise annuity and business card; According to the requirements of the "Six Mechanisms" of the China Banking Regulatory Commission, the first domestic small business credit center with "quasi-sub-bank and quasi-legal person" model was established in Suzhou, specializing in small business credit business, and the business structure, customer structure and income structure of the whole bank were further optimized.

In the past 20 years, the Bank has taken important steps in international comprehensive operation. New york Branch was grandly opened on Wall Street, becoming the first branch approved by a Chinese bank in the United States since the implementation of 199 1 Law on Strengthening Supervision of Foreign Banks. The successful acquisition of Wing Lung Bank, which has a history of 75 years and ranks fourth among local banks in Hong Kong, is by far the largest bank holding acquisition in Chinese mainland and the largest acquisition in Hong Kong in recent years. Successfully invested in Taizhou Commercial Bank, successfully issued the first phase of asset-backed securities, CMB Financial Leasing Company started to operate, the preparations for China Merchants Cigna, Tibet Trust's equity acquisition and futures settlement business progressed steadily, and the integrated operating platform was further consolidated.

In 2000, the Bank successfully completed the service guarantee for the Olympic Games, consciously fulfilled its corporate social responsibility, and its overall brand image was widely recognized by all sectors of society. Won many awards such as "Top Ten Most Respected Enterprises in China", "Best Banking and Finance Company in China", "Best Local Bank in China" and "Best Local Cash Management Bank in China" issued by authoritative media and institutions at home and abroad, and

The above achievements can not be achieved without the hard work of all employees and the strong support of customers, investors and all walks of life. Here, on behalf of China Merchants Bank, I would like to express my sincere thanks to all friends from all walks of life who care about and support the development of China Merchants Bank!

In 20_ year, we will follow the guiding ideology of "facing risks squarely, seizing opportunities, improving management and developing scientifically", deeply understand the challenges and opportunities brought by the global financial crisis, adhere to a prudent and positive development strategy, strengthen confidence and calmly respond, strive to maintain the sustained and healthy development of all businesses in the whole bank, and write a new chapter for the grand cause of China Merchants Bank!

Chairman's speech 4

Dear leaders of municipal branches at all levels, colleagues of Brother County Sub-branch,

Today, everyone came to our bank to guide the work and get together to communicate, which is the greatest encouragement and support for our bank! I would like to take this opportunity to extend a warm welcome to the leaders on behalf of the county branch team! I would like to express my heartfelt thanks to the leaders at all levels of the city for their correct leadership and consistent support! I would like to express my heartfelt thanks to the leaders of brother branches who care about and support the development of our bank! Pay tribute to all the cadres and employees of our bank who work hard and seek advice!

Since the beginning of this year, the leading group of county sub-branches has led all cadres and employees, resolutely implemented the spirit of the instructions of the municipal sub-branches, focused on the tasks and objectives assigned by the superiors, worked wholeheartedly for development, adopted various measures, intensified market expansion, overcome numerous challenges, promoted sustained growth in business performance, and made gratifying achievements in the development of credit, corporate and personal fund businesses:

First, the business performance before 10 is obvious.

In the month of 65438+ 10, the bank achieved a monthly income of10.45 million yuan, a net profit of 4.86 million yuan and a profit completion schedule of 12 1.74%, exceeding the target set by the municipal branch. Among them, the accumulated income of credit business is 4.66 million yuan, and the business of the company is 6.5438+0.5 million yuan, accounting for 58.9% of the total income. In the first 10 month, the county's savings deposit was 647 million yuan, an increase of 46.05 million yuan over the beginning of the year, and the cumulative increase was 1 10,000 yuan, accounting for% of the planned tasks for the whole year. The total income ranks first among the six county branches under its jurisdiction, and the completion progress is also ranked first. The total profit is10,000 yuan, accounting for% of the completion progress, ranking first in the completion progress.

Credit business, corporate business and personal business developed in an all-round way, in which, by the end of June, loans had been issued 17 15/105105438+0000000 yuan, and loans had been returned this year. The loan balance is RMB 65,438+0,665,438+07/965,438+0.96 million. Microfinance is the main business of our bank. This year, RMB 654.38+0.695/654.38+0.538 million was lent, and the loan balance was RMB 654.38+0.577/0.837 million. The loan business has basically achieved good results.

Second, after 10 months, it shows full development potential.

Since June 165438+ 10, the bank has continued to seriously implement the "100-day war" market expansion activities of municipal branches to accelerate the pace of business development. Sub-branches still cling to financial funds, strike while the iron is hot, pursue victory, and make a big fuss about financial accounts. 165438+ 10 month 15, the special account of financial unit was credited again to 3 1 150000 yuan, and the account balance reached 1. 1 billion yuan; The financial social security shares were credited to the special account of1120000 yuan, and the balance of this account reached 52.79 million yuan, which provided a strong guarantee for the sub-branch to achieve the company's deposit exceeding 200 million. As of165438+1October15th, the deposit of this branch has exceeded 10 billion yuan, and we are full of confidence in achieving the goal of withdrawing 200 million yuan per month. Overall, the branch business continued to maintain a strong development momentum.

I deeply understand that this achievement is the result of the correct leadership of the whole bank, the full implementation of all policies of the whole bank, the cooperation and support of brother units, the unity, enterprising, pioneering and innovative efforts of cadres and employees of the whole bank, and full of the hard work of leaders at all levels and the hard work of employees. Looking back on the work in the past year, we mainly have the following experiences:

First of all, we should fully implement the policies and spirit of the branch.

The branch's policy can be said to be to stand high and look far. They are some guiding opinions put forward from the macro perspective of financial industry competition and combined with the actual market situation in our city, which is of great significance to guiding the work of branches. Whether the performance of the branch is good or not depends on whether the superior policies can be put in place in combination with the actual creativity of the county market. For example, our county sub-branch fully implements the policy of the city branch, scientifically organizes the market expansion work of economic construction, social security transportation, land, electric power, large companies and other industries in accordance with the spirit of instructions from superiors, and ensures the rapid rise of savings business; Do a good job in credit business, timely issue loans to qualified small and medium-sized enterprises, and timely recover credit repayment, thus maintaining the sound development of credit business. For another example, this spring, the branch issued the Emergency Notice on Strengthening Customer Maintenance and Marketing of Important Companies. The bank immediately organized personnel to take action to implement customer maintenance and marketing of important companies to specific departments and individuals, and guided employees to take the initiative and follow up in time, so that the financial and social security units' funds in the first quarter remained above _ _.

Chairman's speech 5

Hello everyone! I am very happy to attend the China Financial Forum.

In the past 30 years, China's banking industry has made remarkable achievements. The same is true of China Merchants Bank (600036), which is a clear example. In the past 20 years, it has developed from a small bank and a small credit cooperative with a capital of 654.38 billion yuan and 34 people and three rooms to a modern commercial bank that can rank among 100 banks today, which is the embodiment of reform and opening up. Today, like the banking industry all over the world, we are facing this once-in-a-century financial storm, so I want to talk about how to deal with this storm and then innovate in it.

The subprime mortgage crisis began with subprime loans, but it quickly penetrated into the capital market and money market, and now it is rapidly infiltrating into the credit market. Therefore, its impact on the economic system is being reflected, and it can be said that this impact far exceeds our expectations. Now the whole world economy is tottering, and there is no sign of recovery in Europe, America and Japan. We are facing a post-bubble period and it will take 20 years to recover,' said Morgan Stanley's Roach. However, winter has come, can spring be far behind? I think it's still far away.

As the world enters the severe winter, I feel that China's economy can't be immune to it, and it will be greatly affected. It should be said that the banking industry in China, directly affected by this crisis, should be limited. This does not mean that our banking industry in China is very resistant to risks and can be far-sighted. I think this is because our participation in the international market is not very high, so we are lucky not to lose money again.

However, the impact of the economic crisis on the economy will in turn affect banks more and more. We have two worlds of ice and fire in the first half and the second half of this year. The first half can be said to be scorching sun, while the second half is chilly. In the first half of the year, a large number of good enterprises were the best in history. In the second half of the year, it turned sharply, and some even lost money in the whole industry.

In the first half of this year, China's coastal industries developed rapidly. Our index in the first half of the year is 120_ points, which indicates the economic development in the first half of the year. But now it has fallen below 800 points.

The coastal areas were good in the first half of the year, and the second half was the hardest hit area. The operating environment of our bank is the same. The first 10 month is tight, and it is called moderate easing from 10 month. The same is true of the banking industry. In the first five years, our major commercial banks developed very well, and the compound growth rate of pre-tax profits exceeded 40%. In the first half of this year, the final profit of commercial banks exceeded 40%, a year-on-year increase of 60%, which is very impressive. So is China Merchants Bank. In the first half of this year, it was 1.20%, and its net profit increased by 90% in September. The first half of this year is the best year in history. The NPL ratio 1.2, provision coverage ratio 200%, ROA 1.6% and ROE 35% should be the best in the world. But it began to decline in the third and fourth quarters. I think there should be many unfavorable factors in next year's forecast.

First of all, most banks rely on spreads, but there are two factors that determine the decline in interest income. One is that when the economy goes down, the demand for effective loans is generally insufficient. Of course, we can see that banks are now highly commercialized, and when banks really want to lend, they still have to do it according to commercial principles. In addition, when the economy goes down, the central bank keeps cutting interest rates. Therefore, the net rate of return of banks shows a downward trend. So these two points determine that the interest income of banks should be reduced. In addition, banks need an adaptation process from tight monetary policy to moderately loose monetary policy. Although we should respond positively, we still need steps. In addition, now that the capital market can't see the light, it should be difficult for banks to get out of the trough by relying on these non-spread income in the capital market.

Third, due to the difficulties encountered by enterprises, the expectation of non-performing assets of banks has increased. Then, the increase in bank provisions will also affect the bank's profits.

Fourth, in this case, risky assets have increased. If banks want to maintain capital adequacy ratio, they should also increase their capital to adapt to this situation.

All this should have some negative effects on profits. Therefore, the impact of the financial crisis on banks will gradually emerge next year.

Faced with such a situation, what should the banking industry do? What shall we do? We are full of this pessimism now. This is the market. In good times, our media sings very well. When we were at 6300, many people said that it would reach 1 000, and that it would be prosperous in 20 years and continue to sing well in foreign markets. But when the economy goes down and the market is not good, everyone is singing bad songs. What is a crisis? I understand that the financial crisis is actually a crisis of confidence. America is on the verge of collapse, and we are still in crisis. This bottom, I think when confidence is restored, then we can bottom out. Therefore, under the present circumstances, I think it is useless for us to be pessimistic. Economy is cyclical, and there will always be a certain degree of recovery. As enterprises and banks, they must always operate and survive. So at this time, we should look for more opportunities in difficult times.

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