Summary of banking work in the first half of the year

Time flies, the first stage of work is coming to an end, and a new stage of work is coming. It's time to start summing up the work at this stage. By summarizing, you can improve your work skills, so how to write a work summary? Please read the Summary of Banking Work in the First Half of the Year compiled by me for your reference, hoping to help friends in need.

The first half of this year is a half year for me to strengthen my study, overcome difficulties, develop my business and grow rapidly and healthily, which is of great significance to shaping my career. Under the leadership and guidance of the leaders, I learned a lot of business knowledge and the truth of being a man, and the ups and downs I realized from it were also the most profound. Leaders can fully trust me in all aspects of my work and let me boldly display my talents, from which I got a good exercise. Counter marketing is my weakness, but the leader still gave me full encouragement, which made me more confident to face the difficulties, and then more targeted to learn, improve and make continuous progress. The work is summarized as follows:

First, in thought and work.

I can learn the operating rules and system documents of China Merchants Bank more actively and master them in time. The dedication and sincerity of my colleagues always infect me. During my work, I was able to consult my colleagues with an open mind, learned a lot of professional knowledge and skills outside books, and realized the importance of teamwork, communication and coordination more deeply, and accumulated a lot of wealth for myself in my future growth. At work, I have a strong sense of professionalism and responsibility. I can work hard, not picky, and seriously implement every job and task assigned by the leader. Pay close attention to market trends every day, study customers under the premise of grasping the objective environment, understand customers' business needs through customer research, strive to satisfy every customer, and safeguard every customer through their own efforts.

Second, in terms of skills.

Personally, I can also actively participate in training myself. In the first half of this year, I always maintained a good working condition, set strict demands on myself by the standard of being a qualified employee of China Merchants Bank, based on my own work, devoted myself to training business skills, and made contributions to the cause of China Merchants Bank in an ordinary post. My personal skills in counting money have exceeded the standard, but there is still a certain distance compared with skilled colleagues in typing and summoning. So I use every bit of time to step up my practice, because I know that as front-line employees of xx post, we should strengthen our business skills, so that we can be handy in our work and better provide convenient, fast and accurate services to our customers.

Third, in daily work and life.

I can integrate into the big family of China Merchants Bank in time, face the work positively, unite and cooperate with everyone and help each other. In practical work, no matter what industry or position you are engaged in, you can't do without the cooperation of your colleagues, because a drop of water can only survive in the sea. Only when different departments and colleagues communicate with each other, cooperate with each other and unite as one, can work efficiency be improved and more extraordinary achievements be created.

Nowadays, with the progress of society, people are not satisfied with the improvement of banking services. The service of putting more chairs, adding some candy and standing with a smile has been taken for granted by the society. It is the key to make "God" tempted to fundamentally reverse the service consciousness and provide the most effective, high-quality and most needed service for different customers. Customer service can not only be timely, accurate and in place, but also stimulate customer demand.

Summary of the bank's work in the first half of the year Part II I have changed a lot in the past six months. I also feel that my work as a bank teller has been greatly improved. I am willing to do a good job in this area. Now I am accumulating experience bit by bit to do this job well. This is very difficult. I hope to get the approval of my superiors. I should still do something seriously and work in the teller department of the bank, which is also a good proof of my ability. I am also grateful to be able to do better in such an environment. I am clearly aware that some things still need to be implemented. I attach great importance to my work. I've been thinking about this for the first half of the year. I am eager to get a good development, implement relevant regulations in my work, improve my business level and improve the performance of bank tellers. This is what I always insist on.

According to the experience of the past six months, I really feel that I have grown up a big step. I also ran a lot of business in the first half of the year. In this environment, I have really improved a lot. I need to keep it that way. I really feel more and more stressed. Now I am eager to make continuous progress. I ran a lot of business in the first half of the year. I really feel that I am working hard for my career. I think as a bank teller, I should have this spirit. I have accumulated a certain number of customers in the past six months, and I feel really good and relaxed. I will keep myself going and do a good job, so that I can accumulate more experience. I often use my best ability to sell products, not to say how well I can do it, but at least to give myself a satisfactory explanation.

I did accumulate some knowledge in the first half of the year, which really feels good. I hope to get everyone's approval. In this respect, I think I still need to get some exercise. I haven't been in the teller department for a long time, but I have met many colleagues here, and everyone has given me great help, which makes me feel very comfortable and good. I also hope to work harder in the department. I want to do my job well. There are some things I should take the initiative, and I will definitely stick to it. I can get used to these things. Although the first half of the year is about to pass, all my experiences during this period are very good. This is a valuable work experience and the best proof of my ability. Maybe this feeling will not be too obvious now, but I will gradually improve in the future.

In view of the uncertainty of the economic and financial environment since the first half of this year, the Bank has closely followed the main line of "transformation, development, quality and efficiency", conscientiously implemented the spirit of the provincial and municipal presidents' meeting, made great efforts to promote the construction of "seven major banks", correctly handled the relationship between macro-control and its own development, total volume and structure, quantity and quality, strengthened risk control and business innovation, and continued to maintain a good business development trend.

I. Completion of main tasks:

1. The balance of RMB deposits was-10,000 yuan, an increase of-10,000 yuan compared with the beginning of the year, and the increase of four banks accounted for-%. Among them, the balance of corporate and savings deposits was-billion yuan and-billion yuan respectively, increasing by -x billion yuan and -x billion yuan respectively compared with the beginning of the year, and the increase of the four banks accounted for-%and-%respectively.

2. The balance of RMB loans was-million yuan, an increase of-million yuan, accounting for-%of the four banks in the same industry.

3. Profit before provision -X million yuan, profit after provision -X million yuan and net profit -X million yuan.

4. Income from completing intermediary business-10,000 yuan.

5. The NPL ratio was x%, down by X percentage points from the beginning of the year.

6. International settlement -X billion dollars, foreign exchange settlement -X billion dollars, increased by -X billion dollars and -X billion dollars respectively.

7, to achieve "three no goals".

8. New progress has been made in building spiritual civilization.

Second, the main work practices and effects:

(1) Identify the market position of the debt business and carefully grasp the changes in the capital market.

With the development of financial competition and the increasing pressure of deposit diversion, the market strategy was adjusted in time, and many measures such as "concept-driven, mechanism-driven, marketing-driven" were injected to increase marketing efforts and improve service levels, and various deposits continued to grow.

1. Vigorously implement the customer development strategy, carefully adjust the structure of customers and liabilities, and strive to be bigger, stronger and better. First, grasp the key points and urge the rapid growth of low-cost deposits of institutions. At the beginning of the year, corporate deposits with low financing cost and strong liquidity were placed in a prominent position. Scientifically analyze the structure of high-quality customers in the whole bank and region, refine the customer hierarchy, keep a close eye on high-end customers such as government institutional customers, peer customers and enterprise group customers, strengthen high-level public relations, and adopt the corporate deposit strategy of grasping the leader, grasping the point and covering the area, stabilizing the internal and promoting the weight. At the same time, pay attention to the fine service and relationship maintenance of key boutique customers such as finance, power supply and tobacco. By the end of June, only-,-,-and other key large households had increased their deposits by-100 million yuan, accounting for x% of the bank's corporate deposits. The second is to optimize the structure and effectively control the cost of debt. Strive to expand the sources of demand deposits and sell low-interest liabilities to functional departments and key customers. By carefully marketing financial products such as structured deposits, we can realize the diversion and transformation of medium and long-term deposits and effectively curb the trend of deposit regularization. Third, strengthen market analysis, pay attention to the information collection of large depositors and lenders, grasp the movement of funds in and out in time, implement the intra-bank flow of project funds, and pay close attention to the fund link points to help customers remit the funds flowing in from customers as soon as possible, and find ways to delay and reduce the allocation of outflow funds. Fourth, do a good job in liaison with the annuity business of-,-,-,-,-and other enterprises and institutions. The fifth is to strive for new customer resources in the market. By the end of June this year, the bank had opened * * * -x corporate accounts with an account balance of-billion yuan and an average daily deposit of-billion yuan.

2. Try to save, save "two early and two fast". That is, early mobilization, early action, quick arrangement and quick implementation, and the mobilization meeting of the whole bank in the peak season will be held in advance, so that everyone can have a reassurance early, arrange measures to compete for reserves, and ensure that all measures are put in place.

First, work out the work plan for the peak season, carry out individual competition activities in the peak season, sign responsibility letters for peak season targets at different levels, strengthen the assessment of marketing personnel and network leaders, enhance the pressure and motivation on the basis of comprehensive analysis of customer resources, and promote the continuous improvement of the bank's sense of responsibility, development potential and execution. And give full play to the overall marketing efforts of the whole bank, so as to form a working situation of "up and down linkage, you chase after me, Qi Xin makes concerted efforts, and unity is strength".

Second, the list system is implemented for the customer groups ranging from 500,000 yuan to 6,543.8+0,000 yuan, and customers are followed up door by door, and the whole bank * * * receives a bonus of X billion yuan.

The third is to improve the performance appraisal transmission policy, combine the appraisal requirements with the characteristics and development orientation of departments and outlets, strengthen the mechanism promotion, fully stimulate the business vitality of all parties, and promote the consistency and coherence of business strategy adjustment. During the peak season, it has repeatedly set a new record for increasing reserves since CCB, and was rewarded by the bank.

Fourth, build a personal loan boutique business, and use this as an engine to continuously extend the marketing chain, strengthen the personal credit market, and cultivate potential high-quality customers. Each loan will produce at least two personal products for customers, and implement "packaged marketing" and "bundled sales" for personal credit business and other financial products to cultivate and improve customers' dependence and loyalty to ICBC. The bank's personal loan balance was-1 billion yuan, and the personal loan increased by X billion yuan in that year. Increment is the first in the system.

The fifth is to pay close attention to traditional projects and strong marketing of big customers. Relying on the unified data analysis platform and pbms system, tap the target customers and make careful marketing. The whole bank closely monitored the withdrawal of large deposits, tried every means to retain and control them, and minimized the loss of stocks. We will carefully retain large remittance customers and try our best to leave our deposits with our bank. Timely promotion of overseas study loans, overseas credit certificates, loan certificates and other businesses, * * * sales of well-informed express -X million yuan, counter marketing agency insurance-X million yuan, sales of funds and wealth management products-X million yuan. Set up VIP financial center, set up agency business counter and gold account counter, divert small enterprises, open green channels for middle and high-end customers, implement low-volume and high-volume charges for payroll users, strengthen the assessment and guidance of counter services, effectively divert small enterprises and improve the service efficiency of outlets.

(2) Seize the asset business to tap the potential, and increase the credit supply in a moderate and balanced way.

In order to cope with the "difficult period" and "painful period" of transformation and upgrading caused by tight monetary policy, exchange rate appreciation and further intensified competition in the same industry, banks and enterprises are in the same boat, and Qi Xin cooperates to turn difficulties into opportunities and firmly grasp the initiative of business development. The increase in loans ranks first among the four major commercial banks.

1, multi-channel market share. At the beginning of the year, we made plans to strive for credit scale from provincial and municipal branches. By the end of June, the scale of new credit has accounted for 1/4 of the city's system scale. Choose the best among the best, focusing on corporate customer loans with clear industrial policy orientation, good development prospects and high loan returns and personal customer loans with low risk and high added value. By the end of June, the loan balance of outstanding customers above aaa (including small AAA and AAA) was-billion yuan (excluding asset transfer of-billion yuan), an increase of -x billion yuan over the beginning of the year, accounting for-%of the company's loan balance. The Bank has accumulated all kinds of loan customers and added all kinds of financing -X million yuan, including loans -X million yuan and off-balance-sheet financing such as bank bills and letters of guarantee -X million yuan. At the same time, we will increase business innovation, expand credit channels, and implement asset securitization through intra-bank syndicated loans of X billion yuan-100 million yuan. Only the above two actual new loans reached -X million yuan; It also transformed the shortage of credit scale through the form of bills, and the bill financing increased to-1 billion yuan.

2. Support the development of small enterprises in all directions. At the beginning of the year, according to "one main line and three key points", corresponding reforms were carried out in customer credit rating, credit management, loan approval authority, business process reengineering and post-loan management requirements. And enterprises that have not entered the municipal scale, seedling enterprises, enterprises that pay more than 5 million yuan in taxes, and enterprises whose self-operated import and export amount is more than 1 10,000 dollars are included in the positioning target of market expansion, and a number of small enterprises with large comprehensive contributions and low risks are selected. The whole bank * * * expanded various types of small business loan customers-households, with new loans of-billion yuan, the balance of small business loans of-billion yuan, an increase of-billion yuan over the beginning of the year, and loans of-billion yuan were replaced and recovered in the same period.

3. Three-dimensional prevention of credit risk. Combined with the industry credit policy, quantitative analysis is emphasized, and the principle of paying equal attention to financial factors and non-financial factors is adhered to, so as to determine the credit risk of borrowing enterprises, thus determining the life cycle of enterprises, tapping new customers, enhancing the value and vitality of customer groups and the market evolution potential of banks. First, put forward alternative schemes for risk prevention and convergence, further improve the effectiveness and guarantee potential of small enterprises, and enhance their risk prevention and convergence potential.

Summary of banking work in the first half of the year. I have been in the company for half a year. In this half-year struggle, I not only learned a lot of business knowledge, but also learned a lot of ways to communicate with customers. Many changes have taken place since I first joined the company at the end of last year. At that time, I felt like an angry youth who was still wet behind the ears. I am impatient and impulsive, and I often don't know how to consider things comprehensively. Moreover, due to personal reasons, I often ignore the progress of work and compare individualism. Now I know that work is more about responsibility. If you do something wrong by yourself, it will often affect the overall plan of the collective. Now review the work done in the past six months:

1. When I first joined the company at the end of-,I conducted telemarketing every day and successfully marketed two new customers, Guangdong-Pharmaceutical Co., Ltd. and Guangzhou-Pharmaceutical Co., Ltd. Up to now, the trade financing balance of-Pharmaceutical in our bank has reached-1 10,000, with an average daily balance of 6,543,800+0,260. Our company is in-/. And-the pharmaceutical industry has given an approval (the loan and bank commitment totaled 2.92 million yuan), but because the credit conditions of other banks are better than our bank, and considering that the customers are small and medium-sized enterprises, there are certain credit risks, they finally did not engage in loan business with the company.

2. In the first half of 2000, Guangdong X Pharmaceutical Co., Ltd. was successfully marketed to engage in trade financing business. Up to now, the balance of trade financing has reached more than-10,000, with an average of-10,000 per day.

3. At the beginning of 20 years, we began to maintain our existing customer, X Xinte Pharmaceutical Co., Ltd., and successfully raised the marketing company's quota to-10000 yuan and opened the business of electronic billing. Up to now, the loan balance is 24 million yuan, and the bank balance is-10000 yuan. The loan balance increased by-10,000 yuan, the bank balance increased by-6,543.8+10,000 yuan, and the discounted bill balance increased by-10,000 yuan. * * Bill financing service fee and enterprise service fee-10,000 yuan. The credit balance pairs are as follows:

4. In the first half of this year, we helped -x maintain the stock of customers: -x, etc. Our work includes issuing loans for enterprises, issuing bank acceptance bills, discounting bills, accumulating wealth management business, and a series of post-award work such as property search, business data archiving and post-award report. In the first half of this year, I helped to visit new customers, such as Guangdong-Pharmaceutical Co., Ltd., -x, and-Food Group. The credit report of GPHL has been written, but the credit plan has not been submitted due to negotiations with the customer.

5. In the first half of 2000, we helped -x successfully market a new customer-Guangzhou-Pharmaceutical Co., Ltd. Up to now, our company's trade financing balance is-10,000 yuan, bill discount balance is-10,000 yuan, and the average daily deposit is 280,000 yuan.

In the past six months, I was generally dissatisfied with my achievements, mainly because there were too few new customers and I didn't spend more time learning new business. Basically, my business is limited to loans, banking and factoring. In the second half of the year, I need to strengthen marketing, spend more time studying credit business and credit products, and work hard for the business development of our bank! Strive to be an excellent account manager!

Summary of Work in the First Half of the Year Since the beginning of this year, the Bank has conscientiously implemented the decision of adjusting the business strategy of the head office and branches, adhered to the coordinated development of efficiency, quality and scale, kept pace with the times, pioneered and innovated, paid attention to risk prevention and internal control management while focusing on business development, and advocated the construction of compliance culture, thus laying a solid foundation for the completion of the annual objectives and tasks. With the joint efforts of all staff, all the indicators in the first half of 20xx run smoothly and achieved excellent business performance. By the end of June, all businesses had been completed well, ranking among the best in all branches.

The first is the completion of various indicators.

1. The debt business grew significantly. At the end of June, the balance of self-operated deposits was XX million yuan, an increase of XX million yuan compared with the beginning of the year, and the annual task was completed ahead of schedule. Among them, the balance of savings deposits was XX billion yuan, an increase of XX billion yuan compared with the beginning of the year, and 66% of the annual tasks were completed. The company deposited XX million yuan, an increase of XX million yuan compared with the beginning of the year, and completed 65,438+0.54% of the annual tasks; The average daily savings deposit balance is XX million yuan, an increase of XX million yuan over the approved base, and 99% of the tasks have been completed; The average daily balance of the company's deposits is XX million yuan, an increase of XX million yuan compared with the approved base, accounting for 16 1% of the completed tasks.

2. Rapid development of asset business. At the end of June, the self-operated loan was XX million yuan, an increase of XX million yuan compared with the beginning of the year, of which the personal assets business was XX million yuan, an increase of XX million yuan compared with the beginning of the year, and 90% of the annual tasks were completed. The balance of the company's assets is XX billion yuan, an increase of XX billion yuan compared with the beginning of the year. The accumulated discount amount is X billion yuan.

3. Intermediate business has been steadily advanced. In the first half of the year, the income from intermediary business has reached nearly XX billion yuan, completing 58% of the annual tasks; The amount of international settlement completed is nearly $ XX billion; XX credit card issuance; Pay XX million yuan in advance and XX million yuan in batches.

Two. Summarizing the business development and management in the first half of the year, we mainly took the following measures:

(a), a clear task, early implementation, to lay the foundation for the work throughout the year.

At the end of last year, the sub-branch planned the work target for 20xx years, and made it clear that the liabilities increased by X billion, private deposits increased by X billion, and corporate deposits increased by X billion. Assets increased by X billion, personal assets increased by X billion and public loans increased by X billion. At the beginning of the year, the sub-branch held a working meeting again to make unified arrangements and arrangements for the annual work of 20xx. With regard to the achievements made in 20xx, the President's Office requires the staff of the whole bank to guard against arrogance and rashness, and to prevent the idea of "small wealth means security". At the same time, a comprehensive assessment system was established for the objectives and tasks of the sub-branch, and the objectives and tasks were decomposed into the heads of each account manager, and the performance completion was notified to the whole bank in the form of weekly, monthly and quarterly emails, which effectively stimulated the work enthusiasm of account managers. In the opening competition of branches, the liability business and personal assets business of branches are in a leading position in the whole bank and have achieved good results.

(2) Strengthen the marketing mechanism.

1. The basic marketing work of the company's business is to open a new account first. At the beginning of the year, the branch department made it clear that each corporate account manager must open X new valid accounts every month. Judging from the situation in the first half of the year, the sub-branch realized the opening of XX accounts and the new deposit of XX million yuan. Secondly, through the government platform, strengthen the marketing of customers in the surrounding parks, and actively promote our corporate products through door-to-door visits and financial planning. After long-term efforts, we have gained high recognition from customers and established cooperation intentions with many high-quality enterprises. Among them, the special account for fiscal non-tax revenue in XX District has been successfully opened, with a deposit balance of nearly X billion.

2. In the daily work of retail banks, the "rich area" in Zone X is regional, with precise marketing and hierarchical marketing, and equal emphasis on basic marketing, mid-range customer marketing and key customer marketing. 1. Large-scale marketing: customers with more than X million are defined as large-scale customers, and "financial secretary" services are specially formulated for these customers. Branches publish financial information such as wealth management products, various funds, trust products, national debt and foreign exchange market quotes in various currencies, and selectively send short messages or

Summary of bank work in the first half of the year accumulated a lot of experience for me in the post of property customer service in the first half of the year. No matter the tasks arranged by the leaders or the needs of customers, I have been working hard for the development of the property since I was in this position, and the responsibility of customer service is naturally to provide corresponding services. Therefore, I attach great importance to the accumulation of customer service in the first half of the year to satisfy the property leaders. However, for my own growth, I still need to make a summary of the customer service in the first half of the year.

Understand each other's needs through communication with customers and try to meet them. In order to do a good job in customer service, it is natural to pay attention to the communication on the phone and make records. Therefore, every time a customer contacts actively, I will let the other party feel good service through the use of words, and I can also improve my understanding of customers through this communication. In this way, with the increase of experience, I can deal with customers' doubts more skillfully. So in the first half of the year, I attached great importance to the development of customer service and communicated with customers on behalf of the property, so I can also do it through customer service.

Strengthen the publicity of real estate in order to turn more new customers into owners. For the development of property, it is natural to pay attention to the application of propaganda means in customer service. Therefore, whenever there is a customer consultation, I will publicize the business of the property management company, mainly asking whether the other party has the intention to buy a house or rent a house in the community under the jurisdiction of the property. Moreover, customers who have already stayed in the property community will also consult each other's needs and solve them through timely feedback. Moreover, I often try to sharpen my work skills and get good results. It is also a place to be proud to bring good development to the property through the completion of customer service work.

Pay attention to the study of customer service skills and participate in the training of some new employees. Employees with rich experience in customer service departments can naturally share their experiences during the training, so I also explained the common problems and new employees in previous customer service work, and felt the growth of new employees through interaction during the training, which also made me feel a sense of accomplishment. In order to integrate new employees into the customer service department as soon as possible, I also participate in the preparation of basic skills. Through the preparation of the dialogue manual, I am familiar with the process of customer service again, which brings convenience to the work of new employees. It can be said that as a customer service staff, I can achieve this level in the property work in the first half of the year, which is also quite satisfactory.

For me, the end of the first half of the year is not only the accumulation of work experience, but also the understanding of customer service positions and the pursuit of career path. I understand that there is still a long way to go to make a difference in customer service, so I will cherish the opportunity in customer service and satisfy the leaders through my own efforts.

Summary of the bank's work in the first half of the year With the passing of the first half of 20xx, I have made great progress in the customer service work at the front desk of xxx property. Although from the specific situation, the work in the first half of the year was not very smooth, but under the guidance of colleagues' efforts and leaders, our xxx property staff overcame all difficulties and successfully solved the work problems in the first half of the year! Now, the summer is approaching, and I also want to sum up my work in the past six months.

I. Personal work situation

Front desk: as the front desk of the property, it is mainly responsible for solving various problems of the owners and various payment services. It seems simple, but as a receptionist, I have always been strict with myself in my work according to the company's standards, so that I can meet the company's etiquette requirements in words and behavior. In addition to doing my duties and work well, I also provide good services for the owners.

Customer service: As a customer service, it is mainly responsible for answering the owner's phone calls, making all kinds of records and completing the owner's requirements and applications. In the past six months, most of the calls made by the owners are due to various problems in life, such as power failure and pipeline problems. In order to help the owner solve the problem in time, we will help the owner to contact the maintenance team quickly after careful inquiry to ensure the normal life of the owner. Over the past six months, due to our fast working speed and strong maintenance personnel's ability, we have been thanked and praised by many owners.

Second, the self.

As a property front desk, I also know the importance of my service. To this end, I have always insisted on studying and exercising at work. Besides studying in books and online in my spare time, I have been trying to consult and exercise with my predecessors. And after working for a period of time, I will seriously reflect on myself, which will not only make me realize the problems existing in my work, but also clarify my future improvement direction!

Over the past six months, through my own training and improvement, my work has won the trust of more and more owners. This not only made me well received by many owners, but also promoted the collection of property fees more and more smoothly.

Of course, it's not just my performance at work. In addition to the basic work, we will also enthusiastically help the owners to do other things. I will try my best to meet the requirements and inquiries of the owners, regardless of personal gains and losses, and strive to meet the needs of the owners. This also makes me become familiar friends with many owners.

Looking back on the past six months, although I am very tired after work every day, my gains are also in direct proportion to my own efforts! In the future work, I will continue to work hard to better complete the tasks at the front desk!