First, vigorously carry out fund organization work, and the annual growth of various deposits reached a record high.
After the institutional integration, according to the requirements of the business department of the provincial bank, our bank transferred xxx company, which opened an account in Puyang Street Sub-branch, to xx Sub-branch, and only this household took away 100000 yuan of public funds. Therefore, according to the situation after the integration, although it was allocated to five branches of the Bank, the total deposits declined due to the exclusion of large households. How to expand the total amount of deposits to a new high is an urgent problem before me. To this end, my team members and I have always placed organizational funds in a prominent position.
First, catch early. In cooperation with the spring activities of the New Century Savings Quality Service Competition held by the provincial bank's sales department, a meeting of middle-level cadres was held and actively deployed, which made the bank's deposit work in the first quarter solid and early, and achieved the goal of a good start in the first quarter. It laid a good foundation for the annual deposit work.
The second is to strengthen public relations and actively cultivate gold customer groups. My main approach in this respect is to consolidate old customers and develop new customers. As the president, I take the lead, running around between new and old customers in the process of stability and development. In the case of several banks competing for this big customer, the Social Security Department of xx Municipal Finance Bureau mobilized all aspects and took various measures to stabilize the deposit balance of this big customer in our bank, which has always reached more than 300 million yuan and become a pillar customer to ensure the stable growth of our bank's deposits. In order to change the single customer structure and achieve the purpose of adjusting the customer structure, I persisted in my work despite my illness. Through repeated public relations with team members, I went through hardships and mobilized the Finance Bureau of Lvyuan District and the Finance Bureau of Chaoyang District to our bank, which changed the disadvantage of single customer structure and became a new customer, ensuring the steady growth of our bank's deposits. The employees of the whole bank also try their best to establish relationships and mobilize a large number of deposits around the deposit work.
Thanks to the efforts of the whole bank, the growth of various deposits reached a record high in 2003, and the balance of various deposits reached17,259,500 yuan, a net increase of 484.22 million yuan over the beginning of the year, exceeding the assessment task, of which the unit deposits reached 74/kloc-0,580,000 yuan, a net increase of/kloc-0,003 yuan over the beginning of the year. The balance of savings deposits reached 977.42 million yuan, a net increase of 209.39 million yuan over the beginning of the year, accounting for 1.44% of the assessment plan, with an average increase of 1.47 million yuan in ten days, accounting for1.98% of the assessment plan; The balance of foreign currency deposits reached 6.95 million yuan, accounting for 65,438+0.94% of the planned amount. It can be said that all deposits in 2003 set a new record again. Among all kinds of deposits, the proportion of low-cost funds has obviously increased, which reflects the guiding ideology of "organizing funds to talk about costs and developing customers to seek benefits". It has created many benefits for our bank.
Second, multi-measures have been taken to carry out "double clearing" at the same time, and non-performing loans have fallen sharply.
In 2003, after the institutional integration, Ping 'an Sub-branch was placed under our bank, and only this institution transferred 207.09 million yuan of non-performing loans to our bank, resulting in a sharp increase in non-performing loans of our bank. Therefore, in 2003, the work pressure of "double clearing" was unprecedented. My team members and I raised the work of "double clearing" to a political height, and established the strategy of "ordinary lenders don't let go, big lenders focus on it, focus on research procedures, and clarify the relationship comprehensively".
First, leaders take the lead in collecting goods from large households. Members of the leading group set tasks and goals, and specially selected long-term non-performing loan households for contracting. I personally contracted the needy households in the sub-bureau to study and formulate collection methods. Together with my team members, I have met with the responsible persons of enterprises with difficulties in collection many times. After repeated consultations, I finally implemented the repayment plan and security measures. In addition, every Monday, the directors of branches and related offices are organized to hold regular meetings to monitor the situation of enterprises in arrears door by door, so that all enterprises in arrears are deeply touched and the phenomenon of "fish crossing a thousand layers of nets, fish escaping through the net" is avoided. By leading a large number of contractors and team members to command from the front, grasping the key points and overcoming difficulties, the "double clean-up" work of our bank has been implemented.
The second is to launch the third "double-clearing" campaign. During the third campaign of "Shuangqing" organized by the provincial business department, we held a mobilization meeting for the third campaign. At the meeting, on behalf of the general party branch, I analyzed the problems existing in the work of "double clean-ups" and made comprehensive arrangements on how to fight a tough battle. Ten-day monitoring, daily analysis and quarterly assessment have been adopted, and good results have been achieved. At the same time, we have implemented the leadership accountability system. 1 1 in June, 2006, we issued documents to the presidents of five sub-branches with slow "double decline", stipulating that if the decline of non-performing loans is slow without justifiable reasons, it will be reduced from chief to deputy, and the deputy will be reduced to ordinary employees to show the determination of the leadership.
The third is to use legal means to force collection. Take the initiative to get in touch with the judicial department, seek understanding and support, and build a good environment for safeguarding rights. The bank prosecuted 1 1 cases in accordance with the law, involving 54.45 million yuan, and safeguarded financial claims.
In 2003, the bank achieved remarkable results in the double clearing work, with a total of 85.53 million yuan of non-performing loans resolved throughout the year, completing 637% of the plan; Revitalize non-performing loans by 325 1 10,000 yuan, completing 222% of the plan; The credit assets were 69.48 million yuan, accounting for 27.6% of the plan. The balance of non-performing loans was controlled at RMB365,438+0,449,000 according to the four-level classification and RMB40,565,438+0,654,38+0,000 according to the five-level classification, all of which reached the non-performing loan control plan issued by the business department of the provincial bank.
Third, optimize the credit investment and constantly adjust the credit structure.
In 2003, we always took the adjustment of credit structure as the main line running through the credit business, intensified the rational allocation of credit resources and optimized the quality of credit assets. First, strict loan conditions and incremental loans. For the investment of new loans, we will support increasing investment in outstanding customers, securities pledge and consumer credit, so that new loans can be invested in customers with good reputation and high reputation, with emphasis on public relations lending. Last year, we borrowed 70 million yuan from xx Department Store Group Co., Ltd. through public relations, and accumulated incremental loans of 72.02 million yuan throughout the year. By optimizing the loan investment, loans tend to concentrate on excellent customers. The second is to implement the credit withdrawal mechanism. Some sunset enterprises voluntarily withdrew, and 26 inferior customers withdrew, and the loan was recovered by 35.68 million yuan, which achieved remarkable results.
Fourth, the financial assessment plan, complete the profit plan.
In 2003, the financial situation of our bank was severe and the difficulties were very prominent. Mainly due to institutional integration, Ping An Sub-branch was placed under our bank, and non-performing loans rose sharply, and most of them were non-interest-bearing assets, but the profit plan issued to our bank was calculated according to the total loan amount. This means that in order to realize the profit plan, you need to make up the net profit1.2000 yuan for Ping An Branch. After tapping the potential, we can only use the interest of 7 million yuan in the deposited funds to make up for a part of the hard gap of Ping An Branch, and the insufficient part is filled with the interest of 5 million yuan owed by the original Luyuan Branch. In this way, it is equivalent to cutting off120,000 yuan from the profits already created. So the difficulty of completing the profit plan can be imagined. However, we led our employees to strengthen their confidence, strive to increase revenue and reduce expenditure, and still achieved the profit plan in a difficult situation. The annual profit was 65,438+0,749,000 yuan, and various expenses were 65,438+0,877,000 yuan, which was controlled within the plan issued by the business department of the provincial bank, and the on-balance-sheet interest rate reached 65,438+0,000%.
First, do everything possible to expand income sources. First, pay close attention to the work of collecting interest. Through the implementation of the responsibility system for collecting income, we will lead large households and launch a hundred-day attack.
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A series of measures, such as fighting hard and paying attention to asset preservation, have achieved remarkable results in collecting interest and reached a high level. At the same time, by broadening the income channels, the income from intermediary business was 520,000 yuan.
Secondly, by vigorously organizing funds, especially low-cost funds, the financial strength has been enhanced and the asset-liability structure has been improved. In view of the strong growth momentum of funds, the bank actively organized the deposit of funds, and the deposit of funds alone reached 600 million yuan. Through interest margin accounting, the net interest income of 65.438+0.5 billion yuan was generated by only one deposit of funds, which not only made outstanding contributions to balancing the funds of the superior bank, but also created great benefits through the internal circulation of funds.
The third is to further reform the cost management method and highlight the principle of efficiency. In 2003, the bank held the third workers' congress, and voted to adopt the Measures for the Management of Medical Expenses, the Measures for the Management of Telephone Expenses and the Typing and Copying System, which clarified the management measures for operating expenses. In addition, the Bank has defined the cost standard of vehicle management. Due to a series of management measures, the seriousness, discipline and binding force of the cost index have been strengthened. Although the cost index approved by the provincial business department has decreased, the bank still adheres to the principle of saving expenses and making profits, and firmly establishes the idea of "living a tight life" throughout the bank, thus ensuring the implementation of the cost plan.
The fourth is to flexibly dispatch and adjust funds to improve the efficiency of capital operation. Over the past year, we have given full play to the role of the comprehensive plan as a business hub, adhered to the benefit-oriented principle of capital arrangement, and rationally arranged the investment of funds to ensure the capital needs of key customers and outstanding customers on the premise of improving the efficiency and effectiveness of capital operation. And make full use of the leverage of interest rate, actively raise funds, flexibly allocate funds, rationally adjust funds, timely liquidate interbank funds, and reasonably determine the amount of reserve, so as to ensure the smooth flow of funds and the needs of enterprise management.
Five, adhere to the people-oriented, do a good job in the appointment of leading cadres, in a short period of time to do a good job of "three decisions."
People are the most active factor in productivity, and only by doing a good job of people can we do a good job in enterprise management. After the bank became a management bank, it conducted a comprehensive competition for the middle-level cadres of the whole bank, and the number of candidates reached 5 1. In order to do a good job in competitive recruitment, the bank organized a competitive recruitment meeting for employees of the whole bank, and the participants expressed their opinions on the competitive positions. It can be said that this competition is a big review of our talent pool. After the staff voted and scored, the team studied and weighed the ability of competitors, and finally determined 50 comrades to take up leadership positions. Through publicity, no one raised any objection, and a team of middle-level cadres with high work enthusiasm, good management and good management was formed in our bank. The personnel adjustment has played a positive role in improving the management level of the whole bank. The quality and efficiency of government officials play a vital role in the business operation of the whole bank. Based on this idea, I instructed the Personnel Office to carry out organizational rectification activities with the content of improving the quality of government officials, improving post functions and standardizing office order, so as to really give full play to the core role of government officials, thereby further improving their quality, improving work efficiency, solving the problems existing in their ideology, style and discipline, and providing organizational guarantee for achieving business objectives.
Six, strengthen team building, adhere to strict management, internal comprehensive management has achieved remarkable results.
In 2003, we adhered to the principles of strict governance, stressing efficiency, seeking truth from facts, and pioneering and innovating, strengthened team building, and insisted on grasping the two civilizations together. Last year, the Bank held the third workers' congress, elected a new trade union committee and improved the trade union organization. Insist on deepening the study of "Theory of Three Represents" among cadres in party member, and carry out the learning activities of "three grasping oneself", and ask leaders at all levels to write their experiences in combination with the learning activities of "three grasping oneself". As the secretary of the General Party Branch, I took the lead in setting an example, wrote my learning experience, and published the article "Implementation of" Three Grasping Oneself "in urban and rural finance in xx", which led the staff of the whole bank to enhance their awareness of honesty and self-discipline and achieved certain results. Due to the strengthening of the internal control system, business risks have been effectively prevented and resolved; Effectively strengthened the "three defenses and one guarantee", and no cases occurred throughout the year; In addition, actively carrying out external publicity and reporting has improved the visibility and credibility of the Bank and established a good social image of the Bank.
In a word, in the past year, our bank has made certain achievements in the construction of material civilization and fruitful achievements in the construction of spiritual civilization. The results are gratifying, and the hard work and sweat of all employees are behind the results, which is the crystallization of the collective wisdom of the whole bank. Without the strong support of team members and the unremitting efforts of all employees, we will not achieve certain results. Here, I would like to express my sincere thanks and high respect to the leaders, team members and all employees of the superior bank!
As the head of the branch, since I took office, I feel a great responsibility on my shoulders. Usually work, the class has to deal with all kinds of complex problems, and there is almost no leisure time. After work, even if you can't sleep at night, you should think about tomorrow's work. In the overall work, doing the first step and thinking about the next step, there is little time and energy to take care of personal and family problems. Especially in the fourth quarter, I led the staff of the team and related business departments to go deep into the branches with difficult tasks, carry out on-site office work, study the measures and methods to solve problems in detail, and guide the work face to face, which strengthened my confidence and strengthened my belief in completing the tasks. Especially in the sprint stage near the end of the year, I, together with relevant personnel, took a one-enterprise-one-policy approach to several large enterprises with complicated situations and affected the whole bank, and personally went to the enterprises to study the repayment preservation measures. I personally pay attention to pragmatism, and some of my personal deeds have been reported in China urban and rural finance and xx rural finance. However, achievements can only represent the past. I think as a young leading cadre, we should have the spirit of keeping pace with the times, pioneering and innovating, continue to work hard and write a new chapter on the road of growth. In team building, I attach great importance to giving full play to the collective wisdom, fully mobilizing the enthusiasm of team members, being strict with myself and being lenient with others, so that the team can form a United and cohesive core. A United, nervous, serious and lively situation has been formed in the team. A group of people in the General Party Branch can set high standards and be strict with themselves, be serious and responsible for their work, keep close contact with the masses, and have a down-to-earth style.
Looking back on the work of the past year, there are achievements and gaps. According to the actual situation of Lvyuan Sub-branch, the quality of credit assets is low, the credit structure still needs to be adjusted, and many deep-seated problems that restrict development still need to be solved. Personally, sometimes I am impatient with my work, eager for success, inexperienced, and lack of efforts and measures, which need to be improved and improved in my future work. However, I have a passion in my heart, that is, to make the Green Park Sub-branch appear in the same industry with a brand-new look as soon as possible. I am convinced that under the correct leadership of the superior bank, with the strong support of the members of the leadership team and the unremitting efforts of the employees of the whole bank, our Green Park Sub-branch will certainly be able to step by step towards a brilliant tomorrow.
The above debriefing report, please review the leaders and comrades.
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