5 Annual Work Summary Report of the Bank in 2020

As a bank employee, summarize your work in stages, accumulate more work experience and constantly improve yourself! The following are five bank annual work summary reports for your reference. Let's have a look!

Bank's Annual Work Summary (1)

In 2020, under the correct leadership of the bank, with the support and help of my colleagues, and under the guidance of Scientific Outlook on Development, I conscientiously implemented the working principles and policies of the bank, based on my own duties, served customers, and accomplished my tasks well, and achieved certain results, winning the affirmation of the bank leaders and the satisfaction of customers. The work in 2020 is summarized as follows:

First, work performance

In 2020, I worked hard to complete the task in an all-round way and achieved good results. In addition to completing the work of the front desk teller, we used every opportunity to sell bank wealth management products, and * * * sold bank wealth management products of RMB million, including RMB million for funds, RMB million for insurance and RMB million for bank cards.

Second, study hard to improve political and ideological awareness and professional work level.

In 2020, I will seriously study the Party's theory, learn the spirit of the 18th National Congress and the Third, Fourth and Fifth Plenary Sessions of the 18th National Congress, improve my political and ideological consciousness, keep in line with the bank ideologically, strengthen my ideals and beliefs, establish a correct world outlook, outlook on life and values, establish the idea of serving customers wholeheartedly, and achieve selfless dedication. In addition to studying political theory at work, we should focus on studying the bank's various systems, work disciplines and financial management business knowledge, so as to learn deeply, master it in our minds and apply it to practical work, laying a solid foundation for doing our job well. Through the study, I am familiar with and mastered the basic knowledge and skills of the bank's various systems, work disciplines and financial management business, enhanced the ability and level of performing post responsibilities, kept pace with the times, enhanced the overall awareness, and was able to better implement it in combination with the actual situation, completed various tasks assigned by the bank, and achieved good results.

Third, establish a sense of service and do a good job in service.

As a front-line teller, the key to doing a good job is to establish a sense of service, do a good job, and get customer satisfaction, so as to enhance the bank's taste and image and promote the development of banking business. To this end, I love my job, fulfill my duties, bear hardships first and do a good job in customer service. Focus on doing a good job in three aspects: first, correct the position, do a good job in service, eliminate their own ideological slack and shortcomings, completely update their concepts, consciously standardize their behavior, and conscientiously implement various service measures of banks. The second is to take business technology and proficiency as the measure of service level, practice basic skills hard, speed up business handling, avoid mistakes and grasp quality. Third, study hard new business knowledge, master the knowledge and skills necessary to do a good job in banking, especially the knowledge of wealth management products, so as to lay a foundation for expanding business scope and creating good economic benefits.

In 2020, I worked hard. Although I have greatly improved my political thinking and professional knowledge, I have also made good achievements in my professional work. However, compared with the requirements of banks and the hopes of customers, I still need to continue to work hard and improve. I will continue to strengthen my study and deepen my management in the future. I will, according to the requirements of Scientific Outlook on Development, work hard with pragmatic work style and innovative development ideas, push the work of the whole bank to a new level, create excellent business performance, and make due contributions to the healthy and sustainable development of the whole bank.

Bank's Annual Work Summary (II)

Time flies, and a year flies. Looking back on the next 20 years, there are leaders' care and instructions, colleagues' support and help, joy and relief after overcoming difficulties, and no regrets after disappointment and hesitation. Although I am still an assistant employee who has worked in a bank for just _ years, through hard work, my performance this year has increased from more than _ million personal deposits at the beginning of the year to more than _ million now, with a net increase of more than _ million, making me the first bank to collect deposits. Now I will summarize my work in the past year as follows:

First, strengthen learning and improve their own quality.

Over the past year, I have been able to seriously study the business knowledge of banks and constantly improve my theoretical quality and business ability. In the process of learning, I gradually summed up a learning method that suits my own characteristics, that is, comparative learning. Compared with other colleagues, what I personally lack is what I need to learn; Compared with other branches, our weakness is exactly what I need to strengthen; Compared with other banks, what is different from us is what I need to explore.

The second is to explore and innovate to find new market growth points.

Only by constantly developing high-quality customers, expanding business and increasing deposits can efficiency be improved. I used my personal social network to establish contact with the demolition company. Through the demolition of the company, I got a large number of customers with savings potential. Then go to visit each other, it is inevitable to be rejected, coldly, and even abused. Fortunately, in this way, on the basis of marketing to maintain individual customers and help customers manage their finances, I have also tapped many new customers and attracted many new deposits.

Three. Loyal and persistent, responsible for the development of the branch.

Banking is a workplace that I have been ignorant of since I was a student. After graduation, I was very lucky to get this ideal job. However, it is not an easy task to become a qualified bank employee, and it is bound to require continuous learning and training. After working for more than a year, I am still not a regular employee of the bank, which makes my family very worried. They even found me a better way out. To be honest, I have hesitated and resisted whether to stick to my ideals or to be considerate of my family's feelings. But after rational thinking, I resolutely decided to stay in the branch, continue to work hard, practice my initial imagination with my achievements, and dispel my family's concerns.

In the new year, I set new goals for myself. In order to make myself a qualified bank employee as soon as possible, I will focus on the following aspects to exercise myself and improve myself.

1, business. Constantly update your bank knowledge base, not only be familiar with traditional business, but also grasp emerging business in time; Need to have a higher theoretical level and the ability to skillfully operate specific businesses; We should not only learn the professional knowledge within the scope of our duties, but also take the initiative to understand the relevant knowledge in other fields such as bank loans, deposits and settlement.

2. quality. Cultivate a strong sense of responsibility and service, and take every customer seriously. Self-discipline, decent style, integrity, and consciously safeguard the good image of bank staff.

3. Psychological aspects. Constantly temper, rationally face setbacks and failures, and take a mature and steady mental state as your growth goal.

My performance target for next year is that my personal savings will reach _. I will continue to explore, innovate, do my duty and go all out, and make my own contribution to the development of the branch.

Bank's Annual Work Summary (III)

Since the beginning of this year, under the correct leadership of the head office and sub-branches of rural cooperative banks, with the help and support of comrades, we have seriously studied the party's principles, lines, policies and financial regulations, and our political quality and professional skills have been greatly improved. Can strictly implement the rules and regulations, adhere to the principle of meticulous work, quality and quantity to complete various tasks. We review our work in the past year and report as follows:

First, strengthen theoretical study and improve comprehensive quality.

Firmly establish the service concept of "customer first", always take civilized and high-quality service as the standard to measure all work, be strict with yourself, consciously accept the supervision of customers, regularly carry out criticism and self-criticism, and strive to be a qualified client.

Second, abide by the rules and regulations and perform their duties.

In recent years, I have been able to strictly abide by various financial policies and regulations and earnestly perform my duties. In the background work, we can adhere to the accounting cashier system of "double counter, money account in charge, verification in charge and securities in charge". Handling accounting affairs can accurately use accounting vouchers, subjects and accounts in strict accordance with the nature of funds, business characteristics, management and accounting requirements; Insist on bookkeeping and checking on the same day, so that the elements are complete, the contents are true and complete, and the figures are clear and distinguishable, ensuring the "five noes" in accounting treatment and the "six consistences" in accounting; When handling savings business, you can conscientiously implement the provisions of "real-name registration system Registration" and register relevant documents, and so on. At the end of daily business, check the computer-printed daily account and cash receipt and payment register one by one, and adhere to the system of touching the library.

Third, the quantity, quality, benefit and contribution of the work.

I can finish the set tasks on time and achieve the expected results. In the savings work, we can complete various tasks with good quality and quantity, including amateur storage of 240,000 yuan, management of1130,000 yuan, daily business transactions of 159, daily fund receipt and payment of 960,000 yuan and intermediate business of 4,000 yuan. At the same time, I also learned a lot at work.

Fourth, strengthen the awareness of prevention and implement "three defenses and one guarantee"

Over the past year, I have been able to continuously enhance my awareness of safety precautions, earnestly implement various preventive measures, and implement safety work. During the duty, I can always be vigilant, strictly follow the requirements of "three defenses and one guarantee", memorize anti-theft and anti-robbery riot plans and alarm calls, and master and use all kinds of preventive equipment skillfully. Always check whether the circuits and telephones are normal and whether the protective devices are in good condition. In case of abnormal situation, it can be handled on the spot, and if it cannot be handled, it can actively report to the superior to ensure that it is not out of control for 24 hours and protect the property safety of the Rural Cooperative Bank.

In short, with the care and help of my superiors and colleagues, I have made great progress in all aspects in recent years, and my business ability has also been greatly improved. Although there are still many shortcomings in some aspects, I believe that with the care and support of my superiors and the enthusiastic help of my colleagues, I will definitely do better!

Bank's Annual Work Summary (IV)

In order to fulfill the promise of building rural banks into rural boutique banks with the characteristics of agriculture, rural areas and farmers, flexible mechanism, strong competitiveness and sustainable development, rural banks give full play to their advantages of being located in rural towns and directly facing farmers, seize the opportunity of the state to serve agriculture, rural areas and farmers, expand domestic demand and boost the economy, and fully serve agriculture, rural areas and farmers. Over the past year, the bank's total assets were 58.68 million yuan, various deposits were 3.84 million yuan, various loans were 410.5 million yuan, the book profit was 850,000 yuan, and the loan interest rate and loan recovery rate reached 65.438+0%, which successfully achieved the goals of double growth of deposits and loans, quality improvement, capital preservation, low risk and safe operation.

First, find the right position and make every effort to create the image that "village banks are farmers' own banks". In order to practice the business philosophy of "being close to farmers' needs and serving farmers' lives" and "being based on urban and rural areas, facing the market and serving agriculture, countryside and farmers", at the beginning of its establishment, the employees of the bank not only used traditional propaganda modes such as leaflets, newspapers and television, but also used their leisure time to go from village to village and go deep into village committees, villagers' groups and farmers' homes to publicize village banks as the service purpose of farmers' own banks.

Second, actively innovate and explore new ways to serve agriculture, countryside and farmers. In view of the current situation of single guarantee mode and lack of collateral for farmers, we should actively innovate the guarantee mode, strengthen the linkage with village committees and farmers, and understand the production and operation of farmers through village committees to help control credit risks. For farmers who have no effective assets mortgage, they will take the "three highs" (higher vocational education, high salary and high knowledge) loan, and the "three highs" personnel can guarantee a loan of 50,000 yuan. This is a large aquaculture city. For farmers who want to develop production but cannot provide effective mortgage guarantee, the bank cooperates with wuhan tong Wei Guarantee Company to issue secured loans. At the same time, the bank also innovated chattel mortgage, forest right mortgage and agricultural machinery mortgage loan, which effectively eased the problem of difficult loans and guarantees for farmers.

The third is caring service and making every effort to build a "bank that farmers are satisfied with". The service is flexible, high-quality and efficient, and it actively provides three types of financial services: deposit, loan and settlement to local farmers, village committees, town departments and small and medium-sized enterprises. Highlight the word "live" in service time, insist on endless holidays, extend business hours, handle business at home, and sometimes open at night to meet farmers' needs in time. The font "Kuai" is in the service efficiency, and it is considerate of farmers everywhere. Under the premise of risk control and operational compliance, farmers are never allowed to run for the second time as long as they can complete the business at one time. Due to the strong adaptability of the system, short management chain and few examination and approval links, the loan processing time is greatly shortened, and the loan can be distributed to farmers within 5 days or even 1 day at the earliest, which is very popular among farmers. Highlight the word "new" in financial products, develop convenient and flexible financial products for rural areas, farmers and small agriculture-related enterprises, form their own unique characteristics, and continuously expand the service fields of "agriculture, rural areas and farmers". Over the past year, self-help and revolving loans have been adopted, and loans have been granted to 265,438+07 small agricultural enterprises and farmers. On the recommendation of the village committee, loans of 60,000 yuan were granted to 13 households by way of rural land management right mortgage; Loans of 580,000 yuan were granted to 78 farmers through various means such as on-the-job civil servant guarantee, guarantee company guarantee and multi-household joint guarantee. To meet the needs of farmers for small capital production. In order to provide practical services, the bank also took the lead in launching a free "short message service" among its peers. When a customer goes to a village bank for consultation or business for the first time, he writes down the customer's service demand and contact information, and informs the customer when it is convenient to handle the business in the form of short messages, reminding the customer what elements should be prepared and what procedures should be handled to handle the required business, effectively avoiding the unnecessary running back and forth of the customer due to unfamiliar business, which greatly facilitates the customer. At present, the bank's customers include local farmers, villagers' committees, departments directly under the town, planting specialized households, breeding specialized households, transportation specialized households and individual industrial and commercial households, as well as a number of small and medium-sized agriculture-related enterprises, which have become farmers' own banks. Over the past year, the bank has served 58 agriculture-related enterprises and nearly 1 16 households such as township residents and farmers, and a large number of farmers have increased production and income through loan support.

The fourth is to strengthen internal control and fully prevent and control risks. While vigorously expanding its business, the Bank has given full play to its unique advantages such as ownership structure and management system, combined with the reality of villages and towns, learned from the mature practices of China Agricultural Bank in serving agriculture, rural areas and farmers, improved its deposit, loan and risk management system, and actively explored the construction of a risk prevention system adapted to the characteristics of agriculture, rural areas and farmers. Based on the simple credit rating of customers, this paper summarizes the five-word investigation method of "one look, two touches, three checks, four visits and five nets", which can check the basic situation of customers on the spot, fully understand the production and operation status of customers, master the credit records of customers, visit people around customers, understand whether customers have bad habits and investigate whether the information provided by customers is true, thus effectively ensuring the quality of loans.

Over the past year, Hubei Agricultural Bank has been serving "agriculture, countryside and farmers" wholeheartedly by innovating financial products, simplifying service processes and extending service tentacles, which not only won the trust and support of customers, but also won wide acclaim from all walks of life, including governments at all levels and news media. More than two media outlets at the central, provincial and municipal levels reported the Bank's successful practice of serving agriculture, rural areas and farmers and actively supporting local economic development. The successful pilot of Hubei Agricultural Bank's rural banks in the past year has accumulated experience for the reform of China's rural financial system and provided valuable reference for rural banks to better base themselves on the county and serve "agriculture, rural areas and farmers".

In the next step, ABC will further conscientiously implement Scientific Outlook on Development, make full use of the advantages of policies and mechanisms of village banks in accordance with the market-oriented and commercial operation mode, and constantly accelerate the pace of reform, development and innovation, and strive to make village banks a brand and model of village banks nationwide within three years, and become a banner for village banks to manage and serve agriculture, rural areas and farmers, so as to repay society and shareholders with more excellent business performance.

Bank's Annual Work Summary (V)

I. Operational situation

As of, the Bank has opened 765,438+08 savings accounts and 278 corporate accounts, and accumulated 76.8 million yuan in institutional deposits. Savings deposit is 23.87 million yuan, including savings demand deposit19.95 million yuan and savings time deposit of 3.92 million yuan; The company's deposit is 52.93 million yuan, including the company's demand deposit of 410.53 million yuan and the company's time deposit of1.10.40 million yuan.

As of _ _ _ _ _, the Bank has issued 565,438+0 loans, including 42 personal loans, 9 corporate loans and 9 discount loans for 3 households, with a loan balance of 70.97 million yuan. Among them, farmers' short-term loans 1, 236,5438+0,000 yuan, agricultural short-term loans 1 6,000,000 yuan, rural short-term industrial and commercial loans 3,460,000 yuan, other loans 3,600,000 yuan, with a discount of 8.86 million yuan, and the average household loan/kloc-0.

Second, the establishment and operation of personnel institutions.

At present, our bank has 49 employees, including 43 staff and 6 labor dispatchers. There are four leading groups, which are responsible according to the division of labor, and there are eight functional offices, specifically: comprehensive management department, planning and finance department, risk management department, business management department, operation management department, business development department I, business development department II and business development department III; The heads of all departments are people with many years of banking experience, and all functional departments carry out their work in accordance with the requirements of departmental responsibilities and operate well.

Three. Internal control mechanism construction and risk management

Since its opening, while doing a good job in business development, the bank has done a good job in building rules and regulations around various business sectors and strived to improve the internal control mechanism.

In accounting settlement, the basic system of business operation has been established. Specifically formulated the Basic Accounting System of Zhejiang Changxing United Village Bank, Notice on Defining Some Current Accounting Settlement Business Processes, Interim Measures for the Management of Deposit Proof Business of Zhejiang Changxing United Village Bank, Interim Measures for the Management of Capital Verification Certificate Business of Zhejiang Changxing United Village Bank, and Administrative Measures for Valuable Documents and Important Blank Documents of Zhejiang Changxing United Village Bank. A series of institutional measures, such as the Measures for the Examination and Approval of Large Cash Payment of Zhejiang Changxing United Village Bank, the Measures for the Administration of Special Accounting Seal of Zhejiang Changxing United Village Bank, and the Measures for the Administration of Issuing Bank Bills by Zhejiang Changxing United Village Bank, have effectively guaranteed the normal and orderly development of business.

In terms of credit, the working rules of the credit review committee have been formulated, and the credit management mechanism of collective decision-making and grading approval of credit business has been established and improved. The Management Measures for Unified Credit Granting to Customers was issued to standardize the access of credit granting customers, the determination of risk limits and the due diligence requirements of personnel in various positions in the credit granting process. The "Operating Rules for Credit" has been formulated, which clearly defines the work content, responsibilities and business operation procedures of each post in credit business operation, so that credit-related business personnel can know their posts, operating links before and after, and the responsibilities they should bear. To enhance the operability of the internal control system. Formulate the Detailed Rules for the Implementation of Risk Classification of Credit Assets, conduct dynamic real-time monitoring of credit assets, analyze and judge the inherent risks of credit assets, and effectively warn, prevent and resolve credit assets. In addition, the Measures for the Management of Credit Files and the Measures for the Discounting of Bank Acceptance Bills have been formulated to standardize the credit business management and specific business operations.

In terms of preventing credit operation risks, the Bank will refine its responsibilities to every operation link, covering the whole business process, and realize mutual restriction between the front, middle and back offices and separate control of incompatible positions. The front desk survey requires a double survey by the main organizer. Investigators and examiners belong to the business development department and the risk management department respectively, and the counter center belongs to the risk management department, which reviews the integrity, legality and compliance of counter business data. For the credit business that does not meet the requirements, it has the right to refuse to leave the counter, and at the same time, it requires the counter staff to review the relevant elements and approval process, which forms the control of the whole process.

In order to further strengthen internal control, improve audit supervision mechanism, guard against operational risks, and ensure the legal, compliant and steady operation of various businesses, the Bank formulated and issued the Operating Rules for Internal Audit of Zhejiang Changxing Lianhe Village Bank, which defined the audit institutions, auditors and audit responsibilities. The compliance audit post of the Risk Management Department is responsible for the internal audit of the Bank. According to the deployment of the People's Bank of China and the Banking Regulatory Bureau and the actual situation of the Bank, the auditors determine the audit object and content, draw up the work plan, and submit the audit plan to the chairman. Auditors are responsible to the board of directors and report their work. Auditors shall perform their audit duties according to law and shall not be interfered by any organization or individual. Put forward rectification opinions on the problems found in the audit, and report major problems immediately.

Fourth, develop agricultural support services.

As a newly established new rural financial institution, based on Changxing, the bank has established the purpose of serving agriculture, countryside and farmers, and adopted the strategy of "centralization+differentiation" in supporting agriculture expansion. First, credit funds must first ensure support for rural economic restructuring, rural urban construction, rural industrial and commercial enterprises and farmers to expand production; The second is to develop loan products suitable for the local needs of agriculture, rural areas and farmers, and highlight efficiency and flexibility under the premise of controlling risks; Third, develop portfolio loans according to local conditions, adjust the portfolio ratio of guarantee and mortgage loans for different individuals, industries and enterprises, and establish corresponding mechanisms conducive to the support, cultivation and development of SME customers; The fourth is to treat different credit varieties, risk conditions and customer conditions differently, and improve the level of market-oriented operation. Since its opening, under the leadership of the bank's president, it has visited many towns and villages such as Huaikan, Lincheng and Hongqiao, participated in rural industrial and commercial households' forums held in various towns and villages, and made field visits to some farmers. At present, a preliminary understanding has been reached with the relevant person in charge of Hongqiao Town Government. On the basis of investigation, select appropriate credit products to support the business model of local vegetable growers, aquaculture farmers and family industrial households. At the same time, the bank is considering hiring rural cooperative banks and government retirees as supernumerary personnel, and introducing relevant management measures to use their understanding of rural conditions to carry out multi level marketing and increase support for agriculture, rural areas and farmers.

V. Support of Main Sponsors to Village Banks

From preparation to opening, Hangzhou United Bank, the main sponsor of the bank, has been giving strong support, first of all, in information technology, mainly supporting the development of core business systems, including: supporting the development of core business projects; Core business operation equipment management support; Core sales staff run data management support; Network security support for core business operation. Before the opening of the business, Hangzhou United Bank sent several internal trainers to provide employees with relevant business training, including: counter business operation risk prevention and core business operating system training, so that employees can master business skills in a short time. At the beginning of the system online, we should do a good job in system operation training, and at the same time, we should send special personnel to give on-site guidance at the beginning of opening to ensure the normal operation of the business. In terms of risk management, Hangzhou United Bank guides the formulation of various business management measures and promotes the standardization of risk management of the whole bank.

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