Report of the President of the Bank

Report of the President of the Bank 1

　　20xx is an unusual year, under the correct leadership of the Party Committee of the Municipal Branch, with the strong support of the functional departments of the Municipal Branch, our team members work together, relying only on all the staff of the sub-branch, closely around the goals and tasks set at the beginning of the year, and strive to develop, In 20xx, the book profit of domestic and foreign currencies was 2.95 million yuan, the intermediate business income was 198,000 yuan, and the balance of domestic and foreign currency deposits at the end of the year was 169.12 million yuan, an increase of 21.93 million yuan over the previous year, and 19.68% of the tasks were completed, of which RMB savings deposits and corporate deposits increased by 16.36 million yuan and 6.39 million yuan respectively, and the task completion rate was 116.92% and 16.52% respectively In the first quarter of the savings competition of the city branch and the second half of the retail loan competition, it won the first place in the county branch.

　　First, the main work and basic experience

　　1. Ideology is the foundation, and selecting and employing people is the key.

　　In how to implement the business ideas of the Party Committee of the City Branch, I actively cooperate with the squad leader to fully communicate, reach a consensus, and take individual communication, regular meetings, etc., to unify the thoughts of all employees of the branch to the overall deployment of the Party Committee of the City Branch, and make it clear that development is the last word, and not development is the biggest risk, and lay a solid ideological foundation for doing a good job.

　　On the basis of human resources reform, from the aspects of political quality, sense of responsibility, business quality, etc., with the middle-level cadre structure of the sub-branch, employing people's strengths, avoiding their shortcomings, a group of employees with passion for work and methods to enrich the ranks of middle-level cadres, and at the same time do a good job in the construction of the staff team, pay attention to the training of employees in many aspects, and establish a cadre exit mechanism and reserve cadre reserves.

　　2. Clarify goals, strengthen measures, and strengthen system and mechanism construction

　　As early as the end of last year, the branch team set its own task indicators for the coming year, and the indicators are decomposed quarterly, monthly, and have successively introduced the "XX branch in the second quarter of the deposit insurance fund bundle promotion plan", "XX branch in the second half of the retail loan competition method", etc., and strive to do the work has a focus, quarterly activities, greatly promoted the business development, in the assessment, constantly improve and revise the assessment methods, highlight the key points of the current quarter, practice proven, clear goals, Effective measures are an important guarantee for promoting all kinds of work.

　　3. Promote the all-round development of various businesses and strive to build a boutique bank

　　In the first quarter of the savings competition, our bank did a good job of early publicity, early launch, and early arrangement, and repeatedly emphasized and supervised at the regular meeting, highlighted the competition plan, arranged the business hall, formulated the competition ranking, and commented every Monday and ranked every month, so as to create an atmosphere, and the overall marketing of the savings deposit of the branch was placed on the land compensation in the development zone, and the whole bank firmly seized the favorable opportunity of abundant social funds in the first quarter to achieve a good start for savings deposits.

　　The Bank has always maintained close contact with the enterprise stock of the County Industrial and Commercial Bureau, accounting firms, county economic development zones, county investment promotion bureaus, etc., and handled one-stop services such as capital verification account opening and settlement for newly established enterprises and investment promotion enterprises, and the marketing work of financial deposits has not been relaxed.

　　At the same time, while the signed Donggang Huayuan project has been signed, the Bank actively participated in the mortgage project of the shops in the Confucian Temple Mall at the beginning of the year, from the project inspection, organization of material reporting, application for approval, signing, opening, bidding, to single description, I and the customer manager participated in the whole process, braved the scorching sun, meticulously, and investigated the mortgage materials of each household one by one, verified them clearly, and ensured the authenticity and reliability of the reported materials. In that year, 12 commercial loans of 2.92 million yuan, 18 housing loans of 494,000 yuan were successfully issued, and 1 false mortgage material was blocked.

　　At the same time, in order to meet the needs of the development of the XX sub-branch, in 20xx, the bank opened the business of collecting calls from Unicom, mobile, fixed telephone and Xiaoling, and this year the agency insurance and consignment funds also achieved good results.

　　4. Comply with laws and regulations, give priority to internal control, strictly supervise and inspect, and effectively improve execution.

　　As a deputy, while actively cooperating with the first leader, always keep in mind that compliance with laws and regulations and internal control are precedent. I think what grassroots banks lack is not rules and regulations, but out-and-out execution. It is necessary to strictly supervise and inspect all the work arranged by the superiors, and failure to inspect is tantamount to not paying attention to it. In April 20xx, after receiving the city branch after the supervision work of the county branch, due to various reasons, the error of the month was as high as 1, I held three meetings with the relevant personnel of the business department in a row, analyzed the causes of the error one by one, helped to find solutions, and targeted guidance and training for the counter business, and at the same time introduced the "XX branch error management method" and "XX branch weekly learning system", which gradually curbed the high error rate. In August, the inspection of the Provincial Banking Regulatory Bureau still found that there were many problems, reflecting the weakness of basic management, which made me realize the urgency of improving the professional quality of employees and standardizing the operation, but it was not something that could be solved overnight. It has its long-term and arduous nature, and after the month of centralized rectification, our bank will continue to strengthen this work. In 20xx, our bank implemented job rotation exchanges for some employees according to the regulations, through video playback, on-site inspection, and also dealt with a number of employees who violated rules and disciplines, punishment is not the goal, the purpose is to let everyone know what can be done and what can not be done, that is, to strictly implement the rules and regulations.

　　5. Service-oriented, promote the development of various businesses with the improvement of civilized and high-quality service levels.

　　Civilized and high-quality service is the eternal theme of commercial banks. How to further improve the service level, our bank first started from the sound of "three have three sounds", through regular collection of business videos, timely summary of the existing problems in the evaluation, the service and performance appraisal link, secondly, strengthen the staff business skills training, the skill standard and star evaluation first hook, thirdly, this year in the business hall set up a lobby manager, issued the "XX Bank of China Lobby Manager Management Measures", clarified the responsibilities of the lobby manager, extended the counter service. After the establishment of the new team, the morning training of the sales department was carried out, which improved the timeliness of management and further improved the business level of our bank.

　　6. Actively assist the first-in-command president to do a good job in safety and security.

　　Our bank conscientiously implements various security systems, introduces the "24-hour administrative duty system of XX sub-branch", conscientiously implements the system of leading shifts on holidays, analyzes the situation of cases every quarter, carries out emergency plan drills and fire drills, and does a good job in safety inspections during the two festivals to ensure safe production.

　　Second, there are deficiencies and the direction of efforts

　　1. Their own political quality and professional quality need to be improved, and they need to further strengthen their study.

　　2. The care and help for employees are not enough, and the ideological and political work is not in-depth and meticulous.

　　3. Sometimes I bury my head in the specific work and ignore the communication and coordination of the relationship between the top and bottom, which I will gradually correct in the future work, and strive to make myself an excellent manager with political qualifications and excellent business, and constantly improve my management level.

　　If I say that I have made some achievements in 20xx, then I can't do without the care and training of the organization, the help of the two team leaders of the new and old teams of the branch, and the support of all the staff of the branch. The work ideas and measures for 20xx have also been introduced, and they will not be launched due to time constraints, and my report is finished, thank you.

　　Debriefing Report of the Governor of the Bank 2

　　Today, we held the first bank-wide working meeting in 20xx, the main task is to summarize the work in 20xx, focus on the deployment of 20xx tasks, mobilize the majority of employees of the bank, recognize the business form, unswervingly set the business development goals, work together, vigorously develop and steadily promote the rapid and healthy development of the xx postal savings bank.

　　1. Review of work in 20xx

　　In 20xx, under the correct leadership of the provincial and municipal banks, all the employees of the bank worked together to successfully complete various tasks throughout the year, focusing on the work requirements of the provincial banks.

　　(1) The operation of the whole bank in 20xx

　　In 20xx, the Bank achieved business income of 15.55 million yuan, 97.5% of the plan was completed. (The plan is 15.95 million yuan, and the actual income is deducted from the impairment reserve of 1.38 million yuan in 1x months) to achieve a profit of 5.24 million yuan, among the main indicators, the income of the gold bar line is 5.18 million, the company's business income is 6.04 million, and the credit income is 4.33 million, and the annual cumulative income ranks 7th in the county branches of the province, and several major business developments, the balance of personal savings is 278.03 million, an increase of 65.51 million from the beginning of the year, accounting for 26% of the full caliber of xx , the company's deposit balance at the end of the year: 300 million, microcredit balance of 30.13 million yuan, an increase of 2.96 million yuan from the beginning of the year, commercial loans and second-hand housing balance of 80.25 million yuan, an increase of 27.3 million yuan from the beginning of the year, credit overdue rate of 0.5%, several main indicators in the province are: income scale ranked seventh, credit overdue rate, the province's 43rd, in the province's grading assessment, successfully upgraded from the second branch to the first class branch, the operating results are remarkable.

　　(2) The ability of risk management and control has been improved, and the sophistication of management has been strengthened

　　In 20xx, relying on the three lines of defense of risk, audit and business, and in accordance with the requirements of the audit risk and other departments of the municipal bank, we carried out refined operations on the management work, and carried out serious rectification of the existing problems.

　　Second, the work tasks in 20xx

　　(1) Development goals for 20xx

　　The annual business income is planned to reach 21.55 million yuan, including 6.35 million yuan of personal gold income, 6.6 million yuan of company income and 8.6 million yuan of credit income.

　　According to this year's plan, the bank's income will increase by 6 million yuan compared with the absolute value of last year, an increase of 38.58%, (1x years, the absolute value of our bank's income increase is 2.57 million yuan, an increase of 20% The absolute value and growth rate of income are the highest in the past years, and the pressure to complete this year's income plan is unprecedented, but we firmly believe that with the strong support of the city bank's team, our team's charge forward, taking the lead in marketing, and the bank's staff working together to do the backing, we are confident that we will not relax our goals to ensure the full completion of the indicators issued by the city bank, and ensure that the rank of the first-class branch can not be reduced. It's all about development. The second is to carry out the work in a solid and steady manner, to ensure the safety of funds, to ensure the safety of credit assets, to ensure that there are no cases and accidents throughout the year, and the third is to raise the spirit, lead the team, and require the responsible persons at all levels to lead by example, to have the spirit and spirit of doing business, and to bring out the team with their own strengths.

　　(2) The main work measures in 20xx

　　1、 Personal finance business: to continue to give full play to the advantages of outlets, steadily develop the balance, to ensure that the two outlets have a net increase of 64 million yuan throughout the year, to complete the sum insured: 9.1 million yuan, especially in the near future is the peak season of business development, the branch president should make good use of the incentive policy, play a good role in the lobby manager of the financial manager, do a good job in the maintenance of high-end customers, do a good job in the service of small and medium-sized customers, at the same time, do a good job in the development of financial business, establish the concept of xx finance, increase the issuance of VIP cards and credit cards, especially to strongly promote the work of the credit card business, promote the development of self-service business such as telephone banking, online banking, etc., with the help of the transformation of demonstration outlets, in-depth excavation of customers, and cultivate business growth points。

　　2. The company's business: we must continue to increase maintenance efforts, strive to stabilize the existing quota, and increase, do a good job in the development and marketing of small and medium-sized customers, and at the same time organize bill business surveys, and door-to-door marketing, play a capable role, and strive to make a breakthrough as a new business growth point.

　　3. Credit business: This year, 2-3 credit regional centers will be built, and one has been built, and it is necessary to give full play to the role of regional centers, and small loans should really go on, expand their coverage, continue to expand the development of mortgage loans and small enterprise loans, and actively contact the financial department to strive to start grain and agricultural treasure loans as soon as possible. For the collection work, it is required to intervene in advance to liberate the credit personnel, and increase the efforts to run and urge the existing overdue, and control the overdue within 1% throughout the year.

　　4, branch management and channel construction work, this year, the building branch is facing the national demonstration network head office acceptance, YY branch is facing the transformation of demonstration outlets, there is an urban network of 'two types of branch to a class of branch establishment work, therefore, branch management and construction and other work tasks are heavy, which requires: the two branch presidents must be responsible, the foundation of management work must be solid, to do things according to the rules and regulations, to operate in strict accordance with the regulations, to work in place, to devote themselves to the operation and management of the branch.

　　5. Strengthen the construction of marketing system, carry out cross-marketing, capable marketing, establish the concept of big marketing, two secondary sub-branches, in the process of transformation around the demonstration outlets, we should try our best to introduce credit business into cross-marketing to corporate customers and customers with financial needs, and the credit team should also introduce credit card, personal savings, POS and business and other marketing into credit customers, so as to cultivate our high-quality customers into loyal customers of our bank.

　　6. Strengthen employee > training. Employees are the cornerstone of the bank, employees at all levels should first meet the challenges of the bank's new business with continuous learning ability, at the same time, encourage employees to participate in all levels of various types of qualification examinations, strengthen training, provide employees with more opportunities for self-appreciation and self-charging, and comprehensively improve the personal quality and business level of employees。

　　7. Strengthen the harmony of postal and banking services, based on the dislocation of operation, and seek common development of the positioning, to establish the awareness of the whole network, cadres and workers at all levels in dealing with the relationship with the enterprise to do a good job of communication, coordination can not accumulate contradictions, to report in a timely manner, we work together to promote the common development of the overall postal financial industry.

　　Comrades, 20xx will be a year of hard work for the whole bank, we are well aware of the difficulty of starting a business, it is not easy to keep the truth, in the new year, let us under the correct leadership of the provincial and municipal banks, guided by the spirit of the provincial and municipal meetings, under the leadership of the new leadership team, up and down, forge ahead, and work hard to fully complete this year's work goals!

　　Report of the Governor of the Bank 3

　　The first half of 20xx is fleeting, looking back on the past six months, with the support and help of the leaders and colleagues of China Merchants Bank, I have been strict with myself and conscientiously done my own work in accordance with the requirements of the head office. The work in the past six months is summarized as follows:

　　One: As a corporate account manager

　　It is not only necessary to strengthen the study of the credit policy of 08 years, focus on mastering the credit policy of China Merchants Bank, such as "overall credit policy, customer and business credit policy, industry focus", etc., but also on this basis, do a good job in the communication of our bank's policies and the selection of classified marketing of enterprises, and give full play to the responsibilities of the account manager.

　　1. Strive to improve the level of business skills and strengthen their own risk management awareness. Since the establishment of the sub-branch, in order to better expand customers, with the support and help of the leaders of the branch receiving department, I quickly understood and familiarized myself with the operation mode of the business, and the grasp of risks has been further improved.

　　2. Strengthen customer marketing, do a good job in customer inspection, credit reporting, maintenance, etc. Due to the overall tightening of the banking policy in 20xx, the basic sub-branch to achieve the harmony of marketing and risk management, in-depth research on the development trend of the industry, targeted target customer marketing. During the half year, he participated in the business development of Kunming Suhua Biotechnology Co., Ltd., Yunnan Qifeng Electromechanical Equipment Co., Ltd., Yunnan Energy Power Fuel Co., Ltd., Yunnan City Investment and other companies.

　　2. Strengthen customer marketing and increase customer groups.

　　Their own burden is very heavy, and their skills, marketing ability and experience have a certain distance from the performance of their account managers, so they always dare not take it lightly, always learn to summarize, how to do a better job in the bank, continue to learn, continue to accumulate, can calmly deal with all kinds of problems in daily work, in the organization and management ability, comprehensive analysis ability, After half a year of training, the ability to coordinate and handle affairs has been improved to a certain extent, ensuring the normal operation of the work of the post, being able to treat various tasks with a correct attitude, loving their own work, and conscientiously working hard to implement it in practical work. Actively improve their own business quality, strive for the initiative of work, have a strong sense of professionalism and responsibility, and strive to improve work efficiency and work quality.

　　Three: existing problems and future directions.

　　Although I can work hard and make some achievements, there are also some problems and shortcomings, which are mainly manifested in:

　　First, the performance skill level is not proficient enough, and there are some good customer resources, which can be well cooperated, but they cannot formulate business plans for customers in a good manner.

　　Second, the existing customer resources have not been able to dig deep and carefully to carry out marketing work for all links of the customer trade chain, and they have not found suitable intervention opportunities for their own target customer groups. Third, some work is not done in detail enough, and some work is not well coordinated. The second half of the year has entered, in view of the above outstanding problems, I will try my best to do the following: first, strengthen learning, improve skills, only with a perfect level of business skills, business can be handy, easy. Second, while doing a good job in their own work, they should actively market, update their concepts, and strive to make better performance returns to China Merchants Bank with a good attitude and sense of responsibility.

　　Third, details determine success or failure, in the future, I will strive to improve the details of work, enhance the sense of cooperation between departments, colleagues, banks and enterprises, strengthen unity, continuous improvement, and strive to do a good job in the work of the bank.

　　Report of the Governor of the Bank 4

　　This year is the first year for the Bank to implement the "unconventional and leapfrog development strategy", and it is also the first year to realize the three-year development plan. Under the correct leadership and care and support of the Party Committee of the branch, our sub-branch has formulated a thorough work plan and work measures, and resolutely implemented the "five more" work ideas formulated by the sub-branch work conference at the beginning of the year to ensure a good start and a good start. Over the past year, the cadres and employees of the bank have united as one, worked hard, and achieved fruitful results.

　　First, the business operation shows an unconventional development trend:

　　Compared with previous years, the development of the Bank has been on a fast track this year, and various businesses have reached new highs, stepping out of an upward channel of development.

　　(1) Rapid growth of various deposits. By the end of the year, the total balance of deposits in local and foreign currencies is expected to exceed 850 million yuan, an increase of 360 million yuan from the beginning of the year. Among them, it is expected that RMB corporate deposits will increase by 140 million yuan, RMB savings will increase by 580,000 yuan, RMB interbank deposits will increase by 80,000 yuan, and foreign exchange deposits will increase by 10,000 US dollars. The average daily increase of the whole year was 150 million yuan over the average daily of last year; the increase in foreign currency deposits to the public has become an important source of the bank's deposit growth, and the interbank deposits and savings deposits have also increased by a large margin, and this kind of deposit growth rate has not been seen in the past.

　　(2) The scale of loans has increased and the structure has been continuously optimized. At the end of the year, the loans exceeded 100 million yuan, an increase of 300 million yuan over the beginning of the year, mainly increased in high-quality customers and low-risk loans such as mortgages and consumer loans; such as PTA, the total investment company, tungsten industry, Jones Day, Haicang Avenue and other large projects; credit assets generally remained of high quality, and the proportion of non-performing loans was less than 3.5 percent, especially in the first and second quarters of this year, the balance of non-performing loans decreased compared with last year; but from the perspective of stock, the number of non-performing loans increased; the on-balance sheet interest rate is expected to reach more than 1 percent, and the comprehensive interest rate is expected to reach 97 percent , the level of interest collection is in the forefront of the whole jurisdiction.

　　(3) Operating profit has increased exponentially. By the end of the year, the profit level of our bank is expected to reach 150,000 yuan (including foreign exchange settlement and sales income), of which the RMB profit is about 770,000 yuan, the foreign exchange profit is about 450,000 US dollars, and the foreign exchange settlement and sales fee income is about 350,000 yuan. The per capita profit reached 210,000 yuan. Compared with the profit level in the past few years, the profit level of our bank has achieved leapfrog development this year.

　　(4) Significant growth in intermediary business. This year, the total volume of international settlement and settlement and sales of our bank ranked second in the whole jurisdiction, and it has approached the first place. It is expected that the international settlement volume will be 250 million US dollars and the settlement and sale of foreign exchange will be about 100 million US dollars. The fee income of foreign exchange business has increased significantly, and it is expected to reach 350,000 yuan, equivalent to about 2% of my profit. The banker's acceptance bill business and bill discounting business also grew substantially, becoming another new source of profit.

　　Second, the main work measures and successful experience:

　　(1) Focus on business operations, highlight key points, take practical and effective measures, and promote the rapid development of various business work in an all-round way.

　　1. Segment the market, accurately position, grasp the key points, and actively market the wholesale business.

　　In 20xx, the Bank subdivided the public market into "five ones", namely a port, an avenue, a real estate, a number of projects and a trust company. After clarifying the target positioning, we have established a set of marketing mechanisms that are responsive, quick to make decisions, strong in tackling key problems and in place in place, and work creatively to expand the market in an all-round way. The specific methods are: to improve the level of operation, for the large-scale, high-demand key and excellent customers will be promoted to the main body of responsibility to the business department, the project of more than 10,000 US dollars by the president directly responsible for tackling key problems and negotiations; Highlight the competitive advantages, seize the opportunity of our bank to carry out the construction of corporate culture in depth, make a big fuss in service, attract customers with high-quality service, vigorously market the new business varieties launched by the head office and branches, provide customers with a package of service solutions, and strive to be superior to other banks in the depth and breadth of services; Through unremitting efforts, this year, the Bank has won a number of valuable and high-grade customers, such as Deyan Paper, Jintong Chemical, Fenglong Aquatic Products, Xiaxin Guotuo, Haicang Hospital and other key customers, and has also reserved a number of potential projects such as Haicang Avenue, Lujing Bay, Export Processing Zone, International Container, etc., which have laid a solid foundation for the rapid development of the Bank's business in the next two to three years.

　　2. Adhere to variety innovation and service innovation, and develop retail business in multiple directions.

　　This year, the Bank has grasped the key tasks such as the collection of wealth management funds on behalf of customers, the transformation of rural electricity and the payment of fees, and the implementation of VIP services, and has done a good job in tackling the tough battle of domestic and foreign currency savings deposits, focusing on winning valuable private customers, and vigorously marketing the retail business.

　　The first is to carry out standardized service process drills, improve service levels, and provide standardized services for depositors;

　　The second is to increase the intensity of absorbing financial funds, grasp the characteristics of financial funds mainly relying on hard work, and take full action to effectively absorb financial funds for surrounding merchants, village households and old customers.

　　The third is to conduct a thorough investigation of the large stock speculators in Haicang, dynamically track them, and absorb the return funds of the stock market.

　　Fourth, it has launched a VIP service plan for private business, opened a VIP priority channel, established VIP customer files, implemented differentiated services, and provided a package of financial service solutions for valuable private large customers;

　　Fifth, we intensified publicity, took advantage of the transformation of the rural network to carry out the "Entering Thousands of Households Activity", which lasted for one month, with the active participation of all outlets, focusing on the promotion of the all-in-one card for the transformation of rural electricity, and taking the film to the countryside and business publicity as the media, the whole bank mobilized to go into every corner of the urban and rural areas, increased the penetration of the rural business market of the Bank, publicized the business of the Bank, and improved the social visibility of the Bank.

　　Through a series of fruitful work, by the end of the year, the balance of savings of the Bank was about 150 million yuan, an increase of about 580,000 yuan over the beginning of the year, and the tasks assigned by the branch were completed, and the growth rate was the highest level in the past years.

　　3. Intensify loan marketing, expand the scale of loans, and continuously optimize the credit structure.

　　In order to enhance our long-term development potential, we have attached great importance to accelerating loan marketing since the beginning of the year, actively striving to expand the scale of loans, and driving corporate deposit business and settlement business.

　　The first is the loan marketing of excellent customers, aiming at key enterprises such as PTA, Xianglu, Jones Day, Tungsten, Duowei, and CI, increasing credit lines and actively marketing loans.

　　The second is to increase the marketing of project loans, such as the Haicang Avenue and Lujingwan projects.

　　Third, we have increased the allocation of low-risk loans such as mortgage loans and personal consumption loans. By expanding the increment, more loans will be invested in Shuangyou customers, so as to drive the optimization of stock and achieve effective adjustment of loan structure. In the basic work of loan management, the sub-branch takes the strict implementation of the early warning and forecasting system as the core to comprehensively improve the level of credit asset management.

　　First of all, we should strictly control the access of loans, adhere to the double-excellent strategy in loan issuance, and resolutely refuse to lend to those who can be loaned or not;

　　Secondly, adhere to the classified management of loan customers, implement active withdrawal, gradually compress general customers, and actively eliminate inferior customers.

　　The third is to strictly implement the early warning and forecasting system for credit management, so that this work will become the most powerful tool for credit management and the daily work of each account manager, and increase the assessment, rewards and punishments for this work. By the end of the year, the balance of local and foreign currency loans of the Bank exceeded 100 million yuan, an increase of 300 million yuan over the beginning of the year. Among them, loans to good customers and low-risk businesses accounted for more than 9%.

　　4. Vigorously develop international business and increase intermediate business income.

　　In view of the large number of foreign customers in Haicang and the high quality of our international business practitioners, our bank attaches great importance to seizing the opportunity to develop international business. In the past year, the Bank has further improved the quality and level of its employees by strengthening the training of account managers; in terms of service, it has ensured door-to-door receipt, improved work efficiency and ensured the timeliness of work; and at the same time, it has actively expanded the financing business under import and export with international settlement as the leader. In terms of international business marketing strategy, we will make full use of existing customers, continuously expand the group, focus on the issuance business of PTA to ensure the share, strive to increase the original share of our bank in key customers such as Xianglu and Duowei, and achieve a breakthrough in the international settlement of customers such as Deyan and Jindawei. By the end of this year, the Bank's international settlement volume is expected to reach 260 million US dollars, foreign exchange settlement and sales will reach 100 million US dollars, international business fee income will reach 350,000 yuan, and foreign exchange profit will reach 450,000 US dollars, totaling 650,000 yuan, accounting for about 45% of the total profit.

　　5. Pay close attention to the work of clearing non-interest collection and do not relax.

　　Since the beginning of this year, our bank has made early arrangements and actions for the work of clearing non-interest collections, and has achieved remarkable results. On the other hand, as long as it complies with the three principles of the revitalization regulations, it is necessary to boldly revitalize them. In response to the emotional problem that the customer manager has concerns about revitalizing the old loan, the sub-branch reiterates that it must be carefully approved and strictly controlled. Second, enterprises that conform to the principle of revitalizing branches should have a responsible attitude and be bold in making plans; if the account manager treats this issue negatively, the sub-branch will deal with it seriously; third, it is necessary to clarify the key goals of each stage, and to increase the implementation of progress and follow up on a daily basis; to take out typical examples of enterprises that fail to repay their debts, and implement effective means to collect them. Fourth, we should pay close attention to the work of collecting interest on agricultural loans. This source of interest is an important part of the Bank's increase in interest rate in previous years, but the overall effect this year is not obvious. Through hard work, the non-performing loans of our bank have decreased in the first half of this year, and in the second half of the year, affected by the adjustment of loan form, it is expected that the number at the end of the year will increase by more than 40,000 yuan compared with the beginning of the year. The consolidated yield is expected to reach 97%, achieving the branch's target.

　　6. Strive to improve the level of capital operation and strive to maximize profits.

　　Since the beginning of the year, the sub-branch has asked the business department and the financial planning department to increase the analysis of the bank's capital operation in each quarter and find out the solution to the problem; the office has also placed great emphasis on saving expenses and strengthening cost control in administrative and logistical support, and has formulated a series of effective methods, such as strengthening the control of operating expenses such as vehicle expenses and water e-mails, and strengthening the management of business entertainment expenses and miscellaneous expenses, so as to use the money for the key to business development. Do not do the inefficient things in the outlets, do not spend the inefficient expenses, and increase revenue and reduce expenditure in an all-round way. The business department also insists on monitoring and scheduling the inflow and outflow of funds of key enterprises on a daily basis, optimizes the efficiency of position utilization, and improves the efficiency of operation.

　　(2) Deepen reform, strengthen management, improve service quality, create a corporate culture brand with the characteristics of Haicang Agricultural Bank, and comprehensively enhance competitiveness.

　　1. Since the beginning of this year, the Bank has carried out more in-depth reform of three systems.

　　In the reform of personnel and employment, we have comprehensively implemented the system of competitive recruitment of middle-level cadres, and continuously improved the quality of the ranks of middle-level cadres through the combination of the introduction of qualified personnel through internal competition. The implementation of full competition for posts, the implementation of internal mobility delisting, a selection every year, a fine-tuning every six months, and optimization of the labor mix. In terms of income distribution reform, the sub-branch has formulated a comprehensive assessment method to fully implement internal simulated pricing for all outlets, and widen the gap according to the comprehensive efficiency, quality and quantity of work. For different positions, comprehensively consider the four factors such as difficulty, labor intensity, risk degree, and geographical conditions, scientifically formulate the post coefficient, tilt to key positions, implement the customer manager hierarchy, and truly mobilize the enthusiasm of employees. In terms of organizational structure, the sub-branch implements flat management and implements measures such as post-receipt review. By actively promoting the reform of the three systems, the Haicang sub-branch has gradually established a scientific and rational competition, incentive and elimination mechanism, adjusted the personnel structure, and set up assistant posts to train young cadres. Adjusting the post coefficient, carrying out two-way selection and delisting, and timely carrying out local adjustment of cadres have greatly mobilized the enthusiasm of cadres and workers and greatly promoted the development of business.

　　2. Explore a new way of combining strict management with scientific management to promote management to a higher level.

　　In terms of internal management, this year, the Bank continued to improve the construction of rules and regulations, and improved the implementation, supervision and inspection mechanisms. The first is to strictly implement the "Haicang Agricultural Bank Employee Handbook" so that the whole bank can develop a good habit of abiding by rules and disciplines, and the second is to insist on intensifying supervision and inspection. The leaders of the sub-branches should inspect the grass-roots outlets at least once a month, and the functional departments of the organs should conduct a comprehensive inspection of the grass-roots outlets at least twice a month, strengthen the social supervision of social supervisors, and issue an internal management report every month to link the internal management level with the benefit salary. The third is to establish a warning system for middle-level cadres, and give written warnings to middle-level cadres who have poor management, business stagnation, or other problems, up to and including dismissal from their posts. Fourth, strengthen the management of financial accounting, implement the responsibility accounting system, increase income and reduce costs. Carry out revenue accounting for each business operation outlet, implement the method of linking performance and profit and expense, determine income distribution and business development expenses with profit contribution, and improve the cost-benefit ratio. At the same time, attention is paid to strengthening property management, vehicle management and office supplies bidding and procurement, controlling management costs and reducing expenses. Fifth, innovate management methods, combine strict management with scientific management, and strive to improve management. For example, we should attach importance to the construction of internal comprehensive management networks and external websites, improve management efficiency, and seek benefits from science and technology. It has successfully established a set of efficient internal management network, realized internal management networking, performance evaluation data, and promoted management to a higher level. Successfully built the external website of the sub-branch to publicize the business of the Bank and strengthen the communication with customers, which has become an effective auxiliary means to promote business development. Another example is to boldly explore, first introduce the ISO9 quality management system in the sub-branch. Under the active advocacy of the leaders of the bank, after the collective careful discussion and research of the president's office meeting, our bank began to start the ISO project with the help of external forces in July 2xx to shape the service brand. As the first case in the Xiamen banking industry, we strive to gradually build the brand bank image of first-class service through a period of practice through a series of new management and service measures such as formulating and implementing quality policies and quality objectives, internal audit and management review, customer evaluation procedures, document control procedures, nonconforming product control, corrective prevention and improvement procedures.

　　3. Carry out the activity of "creating first-class service and building the brand of ABC", and pursue high-grade service.

　　Since the beginning of the year, the sub-branch has attached great importance to strengthening and improving the service work, and has repeatedly studied and deployed effective measures to improve the service, and strengthened the concept of civilized and high-quality service of the whole bank through various activities, so that the overall service level of the bank has been improved this year. First, our bank has adhered to some effective measures summed up in last year's "first-class service phenomenon meeting", such as the implementation of institutionalized activities such as weekly flag-raising ceremonies, pre-class lecture and evaluation system, daily one-star, and duty manager system, and has consolidated, strengthened and improved these measures; In particular, the "Red May Civilization and Quality Service Month" activity was carried out, focusing on the breadth and depth of services, and after this activity, the business performance of our bank has gradually risen. In the second half of the year, the Bank carried out the "Entering Thousands of Households" activity to publicize the payment business of rural electricity transformation, and improved the service level of the Bank to rural depositors and publicized the image of the Bank through the new form of movies going to the countryside. Since the beginning of this year, the business department of the sub-branch has achieved good results through the implementation of dual-line services for key customers, and the growth of key customer business has become the main driving force for the rapid development of our bank's business. The private business VIP service launched in the second half of the year also caused a good response in Haicang area, opening up new ideas for the bank's savings work. In addition, we have introduced effective new forms of service, such as the form-free service, which have won praise from customers. Fourth, we have cultivated and emerged service stars such as Guo Guozhu, director of the sales department, Qiu Yun, director of the business department, and a group of excellent account managers, which vividly educate and inspire the surrounding employees, so that creating first-class services has become a conscious action of our employees. The first-class service has changed the image of ABC, produced a good regional social influence, and enhanced the competitiveness of ABC.

　　4. Adhere to the "talent development, people-oriented", focus on promoting the "talent plan" and other effective measures, improve the overall quality of employees, create a good spiritual and material atmosphere, and fully tap the enthusiasm and creativity of employees.

　　Since the beginning of this year, the leaders of the bank have focused on advocating the concept of enterprise development and realizing the simultaneous growth of personal value, promoted the "success plan", and comprehensively improved the ideological and professional quality of the staff. The measures we have taken mainly include actual combat training, training improvement, encouragement and upgrading, mechanism catalysis and activity promotion. Through the promotion of the "Talent Plan", the Bank has not only introduced a number of high-quality talents to join, but more importantly, cultivated a large number of young and promising talents, and reserved abundant resources for the business development of the Bank. In the past few years, many employees of Haicang Bank have left Haicang because of poor working environment and low work enthusiasm. Now these people are not only determined to stay, but many of them have also quickly grown into the backbone of the branch. It is the good mechanism that enables the staff of the bank to form a strong cohesion and a strong sense of belonging, making Haicang Sub-branch a united and pioneering team. Since the beginning of this year, the sub-branch has also set up a special "Talent Award" as a long-term measure to encourage the growth of employees. Second, we should pay attention to improving the working environment and working conditions of employees. Since the beginning of this year, the sub-branch has strengthened the renovation of its outlets, strengthened the shuttle bus transportation for employees who have long distances to and from work and inconvenient transportation, improved the management of staff canteens and collective dormitories, improved employee welfare, and organized rich collective activities. By doing a good job in people's ideological work, the cadres and employees of the bank can work more smoothly and energetically, and also better promote the development of business work.

　　In addition, in strengthening the construction of party style and clean government and the work of three prevention and one guarantee, our bank has also done a lot of meticulous and conscientious work, established an effective responsibility system management, and ensured the safe operation of the whole year without accidents through implementation, which has been well received by the relevant departments of the branch.

　　3. Correctly judge the situation and fully understand the deficiencies in the work

　　1. From the overall perspective of the branch, whether it is the total profit, the completion rate of the profit plan, the decline rate of non-performing loans and the growth rate of deposits, etc., all the brother units have developed rapidly this year, compared with the development speed of our bank is not the best, and there is still room for efforts.

　　2. Judging from the business performance, first, the renminbi deposits have been hovering at a low level for a long time, and even have been below the horizon for a long time; second, not enough attention has been paid to the work of clearing up non-interest collections, and there are not many methods. The task of declining by 250,000 for the whole year has not been completed; third, the development of our outlets is very uneven.

　　3. From the perspective of subjective efforts, we still have many deficiencies. First, the enthusiasm of the whole bank's employees, especially ordinary employees, has not been well developed. Some employees even have a negative tendency to not pay enough attention and enthusiasm for their work. Second, there is a phenomenon of first loosening and then tightening the work, which leads to passivity in our work. Third, cadres at all levels do not have the spirit of in-depth study in their work, and they do not think deeply when they encounter difficulties or problems, and their work methods and methods are insufficient. Fourth, the service level has been improved slowly, and there has been no obvious qualitative improvement, which is not suitable for the current rapid development of the Bank.

　　Report of the President of the Bank 5

　　In 20xx, under the correct leadership of the Party Committee of the State Branch, I closely focused on the five good and five outstanding work ideas, combined with the theme education activities of stressing party spirit, emphasizing conduct, keeping integrity, and setting an example, and always reflected on the problems existing in my work style, ideological style, etc., and united with the team members, resolutely implemented the spirit of the 18th National Congress of the Communist Party of China, and the spirit of innovative service to promote scientific development, and completed the work well. I have conscientiously reviewed the situation and shortcomings of my study and work in the past year, and I would like to report to you here, and ask all leaders and comrades to give me more valuable opinions.

　　1. Strengthen self-learning

　　Since the beginning of this year, I have actively adapted to the change of roles, conscientiously summed up my shortcomings in ideology and practice, consciously strengthened the study of political theory, and conscientiously studied and comprehended the practical significance and far-reaching historical significance of the spirit of the 18th National Congress of the Communist Party of China, which has significantly improved my ideological understanding, strengthened my theoretical cultivation, and strengthened my political conviction. Conscientiously study new knowledge in financial management and other business aspects, strive to improve their business quality and work ability, and be a learning-oriented and enterprising manager. Lead by example, play the role of leading and exemplary, be honest in work, be diligent in self-discipline, be lenient with others, and win the trust of leaders and colleagues.

　　Second, the work situation

　　1. In my work, I always pay attention to finding my own position, adapting to my role, fully cooperating with the president, and giving full play to the role of an assistant. Actively maintain the collective will and decision-making, and maintain a high degree of consistency with the branch in terms of ideology and action.

　　2. Perform duties conscientiously and strengthen management. Together with employees, we have strengthened the learning and implementation of rules and regulations, enhanced employees' risk awareness, strengthened business communication with employees, standardized operation and compliance, strengthened learning and training while preventing risks, and improved the overall quality of the entire team. Conscientiously implement the spirit of the discipline inspection and supervision work conference of provincial and state branches, earnestly grasp the construction of party style and clean government and case prevention and control work of our bank in 20xx, attach importance to case prevention work ideologically, do a good job in internal control and case prevention, and highlight daily management.

　　3. Integrate educational practice activities into the specific actions of daily business development, and transform the spirit of the 18th National Congress into the driving force to guide our operation and management. In this year's peak season marketing activities, I actively cooperated with various departments to carry out marketing, participated in the marketing and maintenance of important customers with the team, strived to expand the source of deposits, frequently visited customers and marketing customers, understood customer needs, close customer relationships, and accelerated customer structure adjustment. In the year-end work, we will strive to ensure the completion of the plan and the full implementation of the increase in proportion.

　　4. Do a good job in various daily management services, strengthen the front desk business, provide logistics support and business technical support, reduce the burden on the front desk staff, and make every effort to do a good job in customer service.

　　Third, its own shortcomings

　　1. After the role change, the focus of work is still on counter management, and there is not much energy invested in marketing, and customer marketing ability and management level need to be improved.

　　2. There is a wait-and-sit mentality in the work, and the subjective effort needs to be improved.

　　Fourth, of course, my shortcomings and shortcomings are far more than these. In my future work, I will take the following measures to improve and enhance it:

　　1. It is to continue to strengthen learning, strengthen the ability to implement policies, improve the professional ability and management level, continuously improve the level of policy theory and the ability to control daily business work, strengthen management, and strengthen services.

　　2. It is necessary to take more responsibilities, come up with more ideas, think more ways, do more work, and strengthen customer marketing for the overall development of the sub-branch.

　　3. Strengthen business training and learning, and continuously improve the overall quality of leaders and employees of the bank. We will make our own efforts for the construction and implementation of the three comprehensive areas.

　　4. Listen to the voices of employees, often talk and communicate with employees, understand the ideological dynamics of employees, solve the actual problems of employees, and further enhance the competitiveness of cohesion, centripetal force and winning the market.

　　The above is my work report, and I sincerely invite all leaders and comrades to comment on it.

　　Report of the President of the Bank 6

　　The year 20xx is a year of great development for ICBC, and ICBC has taken the first step in the reform of the joint-stock system. The year 20xx is a year of hard work, a year of adaptation to change, a year of pioneering and innovation, and a year of clarifying ideas and accelerating development. During the year, the business integration of all branches and subordinate branches developed steadily, and the comprehensive business system was comprehensively promoted and achieved the expected goals. In this year, the organization and leadership have given me a lot of opportunities to learn and practice.

　　1. Strengthen professional learning, improve their overall quality, and adapt to the needs of the new situation.

　　Since I started working in savings, I have attached great importance to the cultivation of personal business skills. While providing standard and high-quality services for depositors, we study business skills with hard work, and basically learn new business and new knowledge in a good way to grasp the original business process. With the needs of bank reform, my work ability and comprehensive quality have been improved to a great level, and my business temperature and professional skills have also been updated and improved with the reform of ICBC at all stages.

　　Second, with a high sense of obligation, customer first service concept, the quality of the work to implement.

　　In 20xx, I was the business supervisor of Changjiang Village Savings Bank, where I was responsible for heavy control, internal control, accounting quality, and counter deformity business. By strengthening internal control and governance, the whole firm was never ranked in the bottom 50 in the accounting quality evaluation of branch development last year, and was ranked among the top 30 or 40 to some extent, and I personally was rated as "error-free teller" in the South Shore branch for two consecutive months.

　　I always maintain the thinking of "customer first", treat the customer's events as my own business, empathize with the problem, be anxious about the customer's urgency, think about what the customer thinks, bravely open up the thinking, adopt different working methods for different customers, and strive to provide customers with quality services, so as to win the support of customers for our bank's business. During my work at Changjiang Village Savings Bank, I have developed friendship with many customers, and have been appreciated by different types of customers many times, and have never received a single customer complaint.

　　Times are changing, the environment is changing, the work of the bank is changing all the time, and every day there are new things and new situations arising, which requires me to change with the situation. It is the goal of my best to learn new knowledge, control new skills, adapt to changes in the surrounding environment, improve my ability to perform my job, cultivate myself into a comprehensive ICBC employee, and better plan my professional life. Of course, in some details of the disposal and operation I still have a certain deficiency, in the future I will judge if the two of them do their own work, always with the "endless service, service to renovate, service to long" service concept spur and perfect self, in the guidance and work with the care, leadership and assistance to improve themselves, more strict request to themselves, for the transformation and development process of ICBC, the quality of service work to implement!