Banks are a kind of financial institutions, which undertake credit intermediary business through deposits, loans, remittances and savings. As an employee, how to sum up your work and lay a foundation for doing a good job in the future? The following is a sample of bank statements I collected for your reference only.
Bank statement speech model for all employees in various departments:
Good afternoon everyone!
Arrange and deploy the "good start" work of the whole bank in the first quarter of 20**, unite the strength of the whole bank, unite the wisdom of the whole bank, strengthen confidence, stick to the goal, go all out, devote ourselves to the "good start" competition, resolutely win the overall victory of the "good start" activity, make a good start for the whole year, and lay a solid foundation for the branch to achieve leap-forward scientific development.
Make overall plans, highlight key points, go all out, and resolutely make a good start in the first quarter and an encounter in business transformation.
First, clear objectives, strengthen marketing, and make great efforts to fight the asset business marketing war.
After the divestiture of non-performing assets, the bank's loan business is very small. In the face of nearly 3.6 billion deposits, the era of relying solely on deposits to earn spreads is gone forever, and profitability has become the primary benchmark after the share reform. High-grade and high-quality asset business is a powerful lever to incite the development of debt business and intermediary business, and it is also the first "engine" to accelerate development and obtain benefits. After the share reform, the superior bank paid more attention to the assessment of per capita economic added value, total assets target rate, cost-income ratio, deposit-loan spread and other benefit indicators, and the total effective assets and benefits became the lever that affected the bank's rapid and effective development. To this end, the bank should do the following key tasks in the first quarter: First, set up small and medium-sized enterprise groups, three rural business groups and intermediate business groups. Over the past month, with the efforts of the whole bank, the bank has successfully invested 8 million yuan in loans for small and medium-sized enterprises and 47 loans for agriculture, rural areas and farmers, with an amount of 44 1 10,000 yuan, which is very rare. At the same time, a group of small and medium-sized enterprise customers are reserved; Second, we must firmly grasp the reported and proposed projects and vigorously promote them, resolutely implement the work responsibility system of "the top leader is in command, and the front and back offices are * * * with marketing", clarify the main responsible persons for marketing to the target customers, and adopt five items of "objectives, responsibilities, measures, expenses, rewards and punishments" to strive for immediate and early results in the first quarter of the reported projects; Third, do a good job in the loan reserve of high-quality projects, formulate the target plan and implement the marketing plan according to the information provided by the network director, and ensure to seize the opportunity in project marketing; Fourth, focus on transportation facilities, key power projects, investment projects, high-quality institutional customers, leading enterprises in agricultural industrialization, real estate mortgages and personal loans, and strive to make breakthroughs in asset business; Fifth, in the business of agriculture, rural areas and farmers, we should speed up the marketing of loans for farmers and small enterprises, increase the involvement of leading enterprises in agricultural industrialization and increase the marketing of leading enterprises in our city 10 in combination with customers in key areas within our jurisdiction; The sixth is to comprehensively promote the development of personal assets business, focusing on personal housing, personal production and operation, and personal car loans, and focusing on individual high-end customers with stable income and good credit for in-depth marketing.
Second, keep a close eye on the market, attack in all directions, and resolutely win the encounter of the "main battlefield" of debt business.
Since the beginning of this year, the accelerated development of the bank's deposit business has fully proved that "the total amount determines the strength, the share determines the position, the increase in deposits determines the income, and the increase in deposits determines the advantage". After the share reform, the bank will continue to consolidate the dominant position of deposits and regard it as a survival point. As the needs of development, benefit, image and employee income, it must firmly establish the concept of grasping early, taking early and taking early results, and regard it as a "good start". Specifically:
1, grasp the market information and make clear the main direction. Aiming at the deposit stock of 654.38+08 billion in other banks within its jurisdiction as the intervention target of the Bank, as a way to increase the momentum and strengthen marketing efforts, to ensure a net increase of more than 473 million in the first quarter. All outlets, departments and employees should be clear about the number of existing customers, what level they are at, which customers need to be developed as the main target, and what measures should be taken to achieve clear goals, division of labor and cooperation, and hierarchical marketing.
2. Do a good job in marketing propaganda and create a "good start". Seize the favorable opportunity of the two festivals, combine the up-and-down linkage, internal and external interaction with the "Golden Key Spring Action" and quickly set off the publicity activities in the peak season. First, take advantage of the festive atmosphere of the "Double Festival", and carry out massive publicity activities by means of leaflets, New Year cards and telephone calls; Second, various outlets can make use of temple fairs, lantern festivals, sending plays to the countryside and other forms for publicity; The third is to invite expert lectures, financial salons and other customer networking activities for high-end communities, key institutions and high-end customers; Fourth, do a good job of double-section customer return visits. During the two festivals, members of the sub-branch team will lead a team to visit customers with more than 5 million yuan and key asset business customers, and each director will personally lead a team to visit key customers, visit condolences, solicit opinions, and improve customers' loyalty to the Bank.
3. Lead by example and take the lead in marketing. In marketing, we should give full play to the advantages of the trinity of team, director and staff and the linkage of network platform. First, do a good job in stock maintenance and be "responsible for keeping the soil". The director of each branch is the first person responsible for deposits, who takes overall responsibility for deposits, personally arranges, decomposes goals, organizes promotion, takes the lead in tackling key problems, personally markets, sorts out and queues existing customers, and knows fairly well. Team members and middle-level cadres should contact 2-3 large households (5 million yuan), managers and directors (4 million yuan) and ordinary employees (2 million yuan) respectively; The second is to tackle key problems from top to bottom and expand new households. It is necessary to establish a top-down joint system and form a joint force to directly market key customers and key projects; The third is to turn the institution into a single branch or mobile window bank. This year, every comrade in our propaganda organization is an account manager. In the first quarter, the marketing deposit was 2 million, the insurance was 3,900, and there were 3 cards. Why are you doing this? This is the need of efficiency wage and mechanism reform. Announced on Monday, cashed on 1 month 1 day. Fourth, all outlets should tap the deposit potential, establish a sense of high income, put themselves at the forefront of competition in the same industry, make a deep charge to expand the market, keep a close eye on outlets with low stock, and strive to catch up and upgrade as soon as possible.
Third, strive to improve the level of intermediary business and create new profit space.
First, do a good job in the marketing of advantageous products such as Jinsui card and online banking business, actively communicate with customers based on the policy strength within the jurisdiction, give full play to the advantages of lobby managers, implement point-to-point marketing, rely on the community, implement carpet marketing, speed up the issuance of effective cards, strengthen ATM maintenance and management, and create a good environment for card use. At the same time, we should focus on credit card business, expand the market share of cards and improve the income level. Promote the issuance of Huinong Card, take competitive customers and individuals in the professional market as the key marketing objectives of online banking, and promote the development of online banking through "one-on-one" marketing means. The second is to work hard on insurance. Overcome the passive marketing of * * * insurance, continue to do a good job in the marketing of high-value and high-yield life insurance products, stimulate the enthusiasm of comprehensive insurance marketing by showing the driving effect of outlets, vigorously expand property insurance customers (branches are mainly auto insurance), dig deep into the insurance resources of large customers, fully expand the comprehensive marketing of insurance business for small and medium-sized customers, drive insurance with credit, and transfer credit risk with insurance to increase insurance income.
The third is to increase fund marketing efforts, overcome war-weariness and take the initiative to market.
Fourth, expand and strengthen foreign exchange business, screen large households, make plans one by one, concentrate superior forces on key marketing, strengthen in-depth cooperation, and promote the development of foreign exchange business.
Fifth, focus on the implementation of the documentary pricing system for intermediary business, fully mobilize enthusiasm, win the trust of the people, and cash in place.
Four, strict requirements, strengthen the promotion, to provide a strong institutional guarantee for the "good start" work.
(1) Strengthen basic management, strengthen internal control and create a safe business environment.
First, unremittingly do a good job in the construction of compliance culture, implement system regulations, formulate regular learning system and case notification system, strengthen institutional awareness, adhere to preventive management, enhance self-protection awareness, and constantly improve the consciousness of various systems.
Second, we should pay special attention to the implementation of the system to the letter. In accordance with the requirements of "strengthening basic management by system", the Measures for the Management of Employees' Illegal Operating Points and the Implementation Plan of Accounting Internal Control Management should be implemented, so as to strengthen the management of operational processes and enhance the control of operational risks.
The third is to strengthen employee behavior investigation, systematically carry out employee behavior investigation on a regular basis, strengthen ideological education, adhere to behavior management beyond eight hours, and prevent moral hazard.
The fourth is to further increase the frequency and intensity of inspections.
Thank you!
Fan's speech on the bank statement has been very good. Here I also briefly talk about some of my feelings and thoughts. It can be seen that the branch's determination to reform its outlets is firm and its strength is obviously strengthened. Although the overall performance is optimistic and all the achievements have increased to a certain extent, objectively speaking, the progress is still not obvious enough. Based on the situation of our branch, I will briefly analyze it, hoping to find some enlightenment about where to go in the future.
1. For basic business, the business ability and level of some employees need to be improved, especially for compliance operation. It is very important to strengthen communication between employees and communicate with the higher level in time. Don't refuse to accept business without knowing the situation, which will create a negative image of inefficiency and complicated procedures for banks and hinder the development of related businesses. Of course, if it is illegal, it should be unacceptable, but it needs to be explained to the customer. In all communication links, as a network director, strengthening his own business ability and coordinating related work can not only control risks, but also improve everyone's work efficiency and effectiveness in the future. So the basic work can't be relaxed.
Second, encouraging staff morale is the key to improving combat effectiveness. No matter how beautiful and luxurious the outlets are, they are just a facade. Although it is a qualitative leap for our image project, the key to promote our development lies in people. As the director of the network, what we have to think about every day is how to motivate everyone to actively complete the tasks within the schedule and even catch up with the schedule. Of course, for every network, every job has its own advantages and disadvantages, and it is really difficult to cover everything. Some of our comrades may have worked in the same post for a long time, and their enthusiasm has gradually faded. However, the development of our bank does not allow any of us to fall off the chain at a critical moment, and the director cannot take the lead. However, a person's strength is always limited. If the spirit of not giving up is used well at this time, it is the magic weapon to win. Judging from the reaction of employees, I think there are several points worth pondering, that is, we must adhere to clear rewards and punishments, fairness and justice, and give priority to efficiency.
In recent years, our bank has recruited many college students one after another, which has replenished our blood in time, enriched the talent team and alleviated the employment pressure of outlets to some extent. At this time, how to give full play to the scale advantage of personnel is another problem worth thinking about. I often worry about whether we can adapt to the changing development situation of the banking industry and the growing demand for financial services in society. If all employees can perform their duties, learn from each other's strengths, rely on each other and cooperate with each other to train more people to make people, then our business development will really be supported. Therefore, I think that no matter the president, vice president or front desk teller, while doing their jobs well, everyone should actively carry out new business and accept new ideas. If they want to go further in the future, they should make more efforts.
Finally, I sincerely wish our bank a better and better tomorrow, and I believe it will. thank you
Fan Wensan, our statement, distinguished leaders of municipal branches, excellent bancassurance partners:
Good afternoon everyone!
I'm xxx, the financial manager of the sales department. Engaged in bancassurance for nearly two years. First of all, I would like to thank the leaders of the company for their cultivation and trust in the past two years, and also thank all the partners present for their support and help.
On this day of saying goodbye to the old and welcoming the new, and when the company has made a good start, on behalf of all the financial managers of the company, I make the following statement.
After-sales service and the secondary development of bancassurance customers are the main tasks of our financial manager at present. In the work, we must first adhere to the principle of honest management, adhere to the concept of service first and professional success, drive business with service, and carry out secondary development of customers in time while providing quality services to customers, especially the development of efficient delivery products.
As a new force in the bancassurance front, to be worthy of this title, we should not only learn the bancassurance products in this industry, but also learn the product mix of other channels and understand the product structure of peer companies. I firmly believe that the growth of our wealth management manager will definitely add wings to our bank insurance and tiger pounce. Let's join hands with the account manager of xxxx to contribute to the company's business and the business sprint in the first quarter.
Thank you!
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