In the process of serving customers, I always insist on "thinking about what customers want, being anxious about customers' needs, and eliminating customers' worries", so as to provide customers with all-round, thoughtful, convenient and efficient services. The service is based on operational standards, service specifications, polite language, and decent behavior, leaving a good impression on customers and winning their trust. Let me share with you the year-end summary of bank tellers for your convenience.

Year-end summary of bank teller 1

Time flies, time flies. We have spent an extraordinary year in busy and fulfilling work. It’s gratifying to look back on all the work of the year. Under the leadership of leaders at all levels of the branch, the guidance of the branch director, and the joint efforts of colleagues, we actively learn business knowledge, increase the level of various business skills, conscientiously perform our job responsibilities, always keep the internal control system in mind, and successfully complete Various work indicators throughout the year have been improved, and improvements have been made in aspects such as ideological awareness, professional quality, operational skills, and quality services. The one-year work situation is summarized as follows:

1. Main work information and responsibilities

I am engaged in the position of general teller. Daily work mainly includes counter handling of private business, corporate business, salary payment, anti-money laundering information supplementary recording, etc. It seems like a simple operation, but it requires daily accumulation and learning of the operating procedures, updating them day by day, focusing on, carefully and patiently treating the occurrence and review of every business, especially corporate business. The check processing volume in one month is relatively large. In order to reduce the bounce rate and improve the level of self-handling of corporate business, I insist on carefully reviewing each element of each bill, and strictly require myself and customers to fill in the specifications with high standards. With each business transaction, we also keep the internal control system in mind, make the seven-step service process generous and decent, and implement various policies.

2. My gains and growth

I am very glad that I can join_Bank and become one of them. During the nearly one year of working, my values ????and outlook on life have improved. There has been a big change. She made me believe that everything in life is possible, as long as I am willing to work hard to create. Of course, only by making contributions to the enterprise can you realize your own value. First of all, in a working group, everyone must unite and help each other to make progress, because unity is the prerequisite for mutual benefit and win-win; secondly, doing your own job well is a basic requirement. As a teller, you should know what you should do, What can't be done? Be assertive and courageous.

Customers are the main body of our development. It is our responsibility to serve customers well. We study customers and understand their business needs through customer research. We strive to satisfy every customer through our own efforts. To safeguard every customer; of course, after being familiar with the business and understanding the company's internal controls, it is our job to provide constructive suggestions for some potential loopholes or developments of the company, and it is also our job to help the company. Make a better contribution.

In today's increasingly fierce market competition, while having a passionate service attitude and skilled business skills, you must also continue to learn and improve your skills in all aspects in order to provide customers with higher quality services. Efficiency and better service. The various trainings and skill assessments organized by our bank provide a strong guarantee for me to improve my business skills as soon as possible. I have always actively participated in various trainings, insisted on listening to the lectures carefully, and combined the rules, regulations, laws and regulations I usually study, and strive to improve my business ability.

After a period of work, I deeply realized that banking is a high-risk industry. Every small detail and factor must be paid attention to when handling every business. It can be a review or a signature. , a customer signature, a fingerprint, a registration, and a transaction code. A business may involve many details. If one of them is missed due to carelessness and lack of thinking, there may be risks, such as lending. Details are not child's play and need to be taken seriously. Strictly guarding every step is not only a risk control for our bank, but also a responsibility for ourselves.

3. Existing shortcomings and directions of efforts

Although all tasks can be carried out relatively smoothly, we are fully aware that we still have shortcomings and need to further improve. First, the learning intensity is not enough. In the new economic era based on information technology, new scenarios and new problems are emerging one after another. New knowledge and new science are constantly emerging. To cope with severe challenges, it is urgent to accelerate the pace of learning and cannot be delayed. I always believe that opportunities are reserved for those who are prepared, so after work, I am still preparing to obtain fund sales qualifications, intermediate accounting titles and other certificates. Second, personal emotional control is poor.

In response to the above problems, the future efforts are: first, strengthen theoretical study and further improve one's own quality; second, change the work style, strive to overcome one's negative emotions, and use a full working state to improve Work quality and efficiency, and actively cooperate with leaders and colleagues to do better work.

IV. Outlook for the New Year

There is still a long way to go in the financial industry. I firmly believe that my personal dreams will come from my love for the financial industry and the professional knowledge I have learned. Closely integrated with the development of the enterprise and giving full play to my work enthusiasm, creativity and initiative, I will eventually realize my personal value and move towards a better tomorrow with our bank ***.

Year-end summary of bank teller 2

Since starting work, under the careful cultivation and guidance of the unit leaders, through my continuous efforts, whether in thought, study or work, All have made great progress and huge gains. The work is now summarized as follows:

Ideologically, actively participate in political studies, adhere to the four basic principles, support the party’s various principles and policies, and consciously abide by all regulations.

In terms of work, since I started working in ____, I have worked in a certain department, a certain department, the accounting department, etc.

No matter where I go, I will strictly follow the rules. Demand yourself, study your business assiduously, and strive to become an expert. It is with such a firm belief that I have become proficient in savings, accounting, planning, credit cards, personal loans and other businesses, and have become an expert in XX banking business.

I remember that when I first joined the __ line, in order to master the business of the __ line as quickly as possible, I arrived at work more than an hour early every day to practice counting money, abacus, and savings, even though I lived far away from my workplace at that time. It takes more than an hour by car, but I go to work every day, rain or shine. Especially in winter, when it’s freezing and snowy, I often have to go to work two or three hours early for fear of not being able to get on the bus. That’s when I developed the habit of arriving at work early. , now I am the first to arrive at the office every day, cleaning first, and then reading business books or preparing for the day's work. This habit also gives me enough time to learn more business knowledge, which has served me well over the past few years. A good foundation has been laid for the smooth development of the work.

Most of the positions I have worked in are at the front desk. In order to better serve customers, I provide different help and services to customers at different levels and with different needs. I remember one person who came to me for the first time. As a bank customer, when I learned that he wanted to take a loan to buy a second-hand house, because he didn’t know what to do and just had an idea, I introduced him in detail all the procedures for a personal loan. In addition to doing my best to serve customers, I also actively responded to various activities organized by the industry. I often participated in various competitions organized by the unit to show myself, and achieved excellent results, and received awards from the unit.

In terms of study, since I started working, I have never given up on learning theoretical knowledge and business knowledge. Since the finance school I graduated from is a technical secondary school, I used my spare time to study by myself in junior college when I first started working, and graduated in __. However, I was not satisfied with the status quo. I also studied for a bachelor's degree in finance from Northeastern University in __. Due to my hard work and hard work, my grades improved. Excellent, fully recognized by the teacher during study, and currently preparing for thesis defense. Not only have I mastered and improved financial knowledge, but I have also achieved a certain theoretical level, fully reaching the level of undergraduate students. While studying theory, I delved deeper into business and integrated the financial knowledge I learned into my work to continuously improve my business level. I participated in the National Intermediate Economist Qualification Examination in __ and successfully passed it and was hired as an intermediate economist by the industry. . After many years of business knowledge assessment, each accounting business qualification examination has reached Level 1 level.

Finally, what I want to say is that the above are just some of the achievements I have made in my work, which are inseparable from the help of the leaders of the unit and colleagues. I have always believed in the saying "No matter how bright a match is, it will only produce a light as big as a bean. But if you use one match to light a pile of matches, they will burn brightly." I hope to use my bright youth to ignite the passion of everyone around me and inspire my colleagues to contribute, make progress, make contributions and build careers together for our cause.

Year-end summary of bank teller 3

In 2_x, I walked into the __ branch with my yearning and pursuit of financial career, where I will release the energy of youth and ignite career dreams. Time flies, and it has been a year since I came to the XX branch. In this short year, my life has experienced tremendous changes, and I have gradually matured in terms of work, study, and thinking.

In _ branch, I am engaged in the most ordinary job - teller. Some people may say that an ordinary teller can't talk about a career. No, he can also have a brilliant career on the counter. Excellence starts from the ordinary, perfection starts from seriousness. I love this job and regard it as a starting point for my career. As an Agricultural Bank of China employee, especially a front-line employee, I deeply feel the heavy responsibility I shoulder. The counter service is the "courtesy window" that shows the good service of the ABC system, so I serve with full enthusiasm, heart and sincerity every day, and win the trust of customers with my dedicated work attitude.

Yes, among ABC employees, tellers are the group that directly deal with customers. The counter is the window that displays the image of ABC. The daily work of tellers may be busy and monotonous. However, when dealing with all kinds of customers, tellers must Skilled operation, enthusiastic service, day after day, with every bit of thoughtful service, let customers truly appreciate the sincerity of ABC people and feel the warmth of doing business at ABC. This kind of work is extraordinary. I am proud of my position. And proud! To this end, I ask myself to do the following: first, master strong business skills and never relax in business learning; second, maintain good professional ethics and abide by national laws and regulations; third, cultivate harmonious interpersonal relationships and work with others. Colleagues should live in harmony with each other; the fourth is to have a clear understanding of themselves, not to be arrogant when winning, and not discouraged when losing.

Since I started working, I have been based on my position, worked hard, worked hard to learn business knowledge, and consulted experienced colleagues. Only in this way can I truly achieve results that can withstand the test of time. Little things made me deeply realize that as a front-line employee, he is destined to be ordinary, because he cannot block the muzzle of the gun with his blood and blow up the bunker like a soldier charging into the battle, leaving a heroic reputation for the world to spread. You can’t even sow in winter and harvest in summer like farmers do, sowing in summer and harvesting in autumn, there is always a fixed harvest. Some of them just repeat boring operations and complicated tasks such as deposits, withdrawals, account entry, collection and release, marketing and maintenance, and welcome and delivery day after day and year after year. In this ordinary position, I deeply realize that greatness lies in the ordinary. Ordinary people can also contribute, dedicate our enthusiasm, dedicate our sincerity, and dedicate our youth. Ordinary people can still create a wonderful sky. Without a foundation, there will be no tall buildings, and without the ordinary, there will be no greatness! The value of life can only be sublimated and perfected through ordinary dedication.

In the process of serving customers, I always insist on "thinking about what customers want, being anxious about customers' needs, and eliminating customers' worries" to provide customers with all-round, thoughtful, convenient and efficient services. The service is based on operational standards, service specifications, polite language, and decent behavior, leaving a good impression on customers and winning their trust. When actually handling business, on the premise of ensuring compliance with our bank's various rules and regulations, we must flexibly master marketing methods to provide customers with necessary convenience, and provide customers with personalized and fast services flexibly and appropriately.

Perfection comes from seriousness. On the basis of providing high-quality counter services, we try our best to provide customers with more thoughtful services. Because there are no picky customers, only imperfect services. In my daily work, I study hard on new knowledge and new business, combine theory with practice, and master various service skills. I start from small things. When handling business, I try to be fast, accurate, and efficient, so that customers can wait less, run less, and ask less questions, and provide customers with timely, punctual, regular, and ready services.

Youth is the most precious time in life, because it is full of ambition and energy, because it dares to venture and do things, and it is full of vitality because it has too many dreams and expectations! But in my opinion, youth is precious It also includes unremitting pursuit and team integration, lofty moral cultivation, and strong will, but also to be able to endure the ordinary, be based on the ordinary, be indifferent to fame and fortune, and be brave in dedication!

Today, we are Dedicating the burning youth to the ordinary position of the Agricultural Bank of China, the Agricultural Bank of China is developing step by step in this transition of youth. Her clear growth rings will also be deeply imprinted with the imprint of our youth. Franklin has a famous saying: "Push your career, don't let your career push you." I am here today to promote my career, which stems from my pursuit of the value of life and my passion for financial career. Because I understand that as a growing young man, only by organically combining personal ideals with the development of the agricultural and financial industry can we give full play to our work enthusiasm, initiative and creativity, and realize ourselves in the process of creating a perfect tomorrow for the Agricultural Bank of China. value of life.

Year-end summary of bank teller 4

I have been working for a year. During the year, I studied hard, worked diligently, and successfully completed the transition from a student to a bank employee. Role changes. Below, I summarize my one-year work situation as follows:

My position is the cash service window of the branch, and my words and deeds represent the image of the bank. There can be no sloppiness or relaxation in my work. _The branch is located in the bustling area of ????the city center. It receives a large number of customers every day and has a heavy workload. Therefore, such a working environment forces me to constantly remind myself to be serious and serious at work, and strictly follow the various regulations set by the bank. rules and regulations for practical operation. Make consistent demands on yourself throughout the year.

Since I am new here and am not particularly skilled in business, in order to familiarize myself with the business as soon as possible, when I encounter a problem, I will humbly ask old comrades for advice. The elder brothers and sisters in the industry also enthusiastically gave help and guidance, which made me progress and improve quickly. At the beginning, I made mistakes because I was not careful and skilled enough. Although I lost money, it did not affect my enthusiasm for this job. Instead, it encouraged me to work harder to learn business skills and theoretical knowledge.

In today's fierce competition in the financial market, in addition to strengthening one's own theoretical quality and professional level, as front-line employees of outlets, they must also pay attention to their own services, improve core competitiveness, and distribute information within the industry The various spirits and requirements of the work should be implemented into practical work, in a nuanced, civilian and life-oriented way. Respect customers, put yourself in their shoes, and serve customers sincerely. Provide our customers with convenient, fast and accurate services and win their trust. What does it mean to make customers feel warm here.

In short, this is a year in which my life role changes and I continue to grow. In the new year, I have set new goals for myself, that is, to study harder, better enrich myself, and meet the challenges of the new era with a full spirit. Maintain good professional ethics, obey the decisions and instructions of our superiors, and implement them conscientiously. Be meticulous in your work, proactive, responsible and try your best to do your best work.

There will be more opportunities and competition waiting for me in 20_, and I am secretly encouraging myself. To stand firm in the competition. Be down-to-earth and look beyond the small circle around you. You must focus on the overall situation and future development. Times are changing, the environment is changing, and the work of the bank is also changing from time to time. New things appear and new situations occur every day, which requires me to change with the situation. Learn new knowledge, master new skills, adapt to changes in the surrounding environment, improve your ability to perform your job, train yourself to become a comprehensive bank employee, and better plan your career. Of course, I still have certain deficiencies in the handling and operation of some details. I will hone myself in future work and study, improve myself with the guidance and help of leaders and colleagues, carry forward my strengths, and make up for my shortcomings.

Year-end summary of bank tellers 5

Over the past year, under the correct leadership of the superior bank, we have focused on five key points, namely, focusing on credit management, preventing and resolving business problems Risks; focus on savings deposits to enhance capital power; focus on increasing revenue and reducing expenditures to improve capital operation efficiency; focus on standardized management to promote legal and compliant operations; focus on team building to improve the overall quality of the bank. The main operating tasks were successfully completed. By the end of December, the interest income was 30.54 million yuan; the growth rate of savings deposits reached 15.45%; the growth rate of corporate deposits was 0.9%; the amount of foreign currency deposits reached 860,000 US dollars, 60,000 US dollars more than planned. ; The incremental ratio of deposits and loans is 26.66%; expenses are 13.78 million yuan; book loss is 370,000 yuan; actual loss is 45.73 million yuan. The evaluation indicators were also completed very well: the interest-free asset occupancy rate was 15%, only 0.2 percentage points worse than the plan; the normal rate of new loans reached 100%; the debt-with-asset disposal rate was 23%, exceeding the target by 3 percentage points; loan repayment 30 million yuan; the growth rate of non-interest income was -75%, 95 percentage points worse than planned; the credit card consumption amount was 610,000 yuan, an excess of 10,000 yuan; the international settlement business amount reached 11 million US dollars; the excess was 3.5 million US dollars; there was no Major economic, criminal cases or liability accidents occur.

Looking back on 2020, we focused on the following aspects:

1. Strengthen credit management and increase income levels.

Mainly focus on four important links:

(1) Concentrate on interest collection. Interest income is a key factor affecting the bank's operating results, and interest collection is also a difficult task for the bank and is a tough battle. In order to ensure that this arduous task is completed as scheduled, the following three measures have been taken.

First, the implementation of tasks and the fulfillment of rewards and punishments. We truthfully break down the interest collection plan issued by the superior bank based on the normal, overdue and sluggish loan occupancy status of each location, deducting objective factors such as enterprise restructuring, and monitor it on a ten-day basis and evaluate it on a monthly basis. All localities have assigned tasks to loan officers and enterprises, and formulated corresponding reward and punishment measures to increase the intensity of rewards and punishments. From the president to the department director, we continued to implement the tasks of covering offices and large households. The president and vice-president allocate 30% of their total personal salary every month to link it to the bank's interest collection tasks. Department directors and all agency staff each receive 400 yuan from various subsidies every month, of which 40% % is linked to the interest collection tasks of the bank, and 60% is linked to the main business tasks of the bank.

The second is to help enterprises improve management, increase efficiency, and increase sources of income. Each credit officer has implemented a household assistance task, helping to revitalize promising enterprises, analyzing operations and management issues, helping to collect payments, helping to promote products, helping to clear and store warehouses, or provide necessary support to increase efficiency and cultivate interest. Source, this alone, the annual interest collection is 1.08 million yuan. For enterprises with good profits, we tried our best to provide bank acceptance bill support, which promoted the enterprise's production and increased its ability to repay interest. The annual interest collection was 1.86 million yuan. At the same time, we paid close attention to the collection of interest from converted enterprises, and collected 2.2 million yuan of interest from converted enterprises throughout the year.

The third is to strengthen the management of payment repatriation to prevent extracorporeal circulation of funds. This is an important basic management task. If it is done well, it can kill two birds with one stone. It can increase interest collection and increase corporate deposits.

Therefore, accounting, cashier, and

credit departments work closely together and perform their respective responsibilities: accounting and cashier personnel keep an eye on corporate accounts and strengthen cash management; credit personnel grasp the capital flow and payment direction of the enterprises under their jurisdiction, and do a good job Inspect and supervise to facilitate the payment of goods. The Credit Management Department, the Special Loan Department and the Business Development Department work together to regularly go deep into the company to check the cash on hand, conduct investigations, and understand the company's multi-account opening situation, thus better preventing the loss of interest sources.

(2) Carry out standardized management work to reduce and resolve credit risks. Focused on the following links: First, readjust the separate positions of loan review, set up credit review posts, legal review posts and credit inspection posts, reasonably divide labor, clarify responsibilities, handle credit business in accordance with the law, and ensure the formalization and legalization of credit management work and programmatic. The second is to strictly implement the method of the first person responsible for loans, completely solve the old problems of decoupling of rights and responsibilities, unclear responsibilities, unclear rewards and penalties, and implement the responsibility for loan losses. The third is to strictly manage acceptance bills. Acceptance bills are managed as strictly as new loans, and procedures are strictly followed according to the 10 conditions stipulated by the superior bank to ensure that no advance payment occurs.

(3) Do a good job in sorting and inventorying. On March 12, the Head Office and the Provincial Bank held a video and telephone conference on the credit asset sorting work. President He Linxiang of the Head Office and President Zhang Shaoshi of the Provincial Bank made detailed arrangements on the significance, steps, methods and policies of the sorting. This is a phased central task and a major reform of the bank's credit management system. Time is tight and the task is heavy. According to the unified requirements of the superior bank, we established a clearing work leading group, with the president personally serving as the team leader, and the vice president serving as the director of the clearing office, in charge of this work. Through this sorting work, the credit management level of the whole bank will be promoted to a new level.

We are doing a good job in revitalizing non-performing loans. This year’s revitalization task is smaller than in previous years, with a decrease of only 3 percentage points. But the difficulty is not easy. It must be recovered in real terms. Therefore, less than 1% has been implemented in various places. It is required to ensure that it is completed without any water.

(4) Optimize the credit structure and improve credit services. We break industry and ownership boundaries and focus on viable double-optimal customers as the focus of credit support, thereby achieving efficient use of credit funds. We focused on the following aspects of work:

First, assess the credit rating, accurately evaluate and classify existing customers. We conducted a comprehensive investigation on the 570 companies that opened accounts and conducted credit rating assessments. 3 companies were rated as

1. Customer-centered and good settlement services. Customers are the source of our survival. As the sales department is also the window to the outside world, the quality of service directly affects the credibility of our bank

1. Our bank has always advocated the "first inquiry responsibility system" and " We will continue to implement "full-time service", "standing service" and "three-ring service", and ensure that every employee can treat every customer patiently and satisfy customers.

2. As competition in the financial industry intensifies, customers have higher and higher requirements for bank services, not only in counter services but also in our bank’s service varieties. In addition to continuing to provide In addition to doing a good job in agency settlement of utility bills, taxes, fiscal charges, traffic fines and confiscations, bsp aviation agency, etc., we must also do a good job in the expressway network toll business and open-end fund acquisition business that will be opened next year. , securities business and other service varieties to enhance our bank’s competitiveness.

3. Actively strengthen contact with personal business, participate in personal business, and become familiar with personal business to better serve customers.

Although the integrated business system has been installed, it has not been able to achieve true integration due to various reasons. This is a shortcoming in the work of my sales department.

4. With the bank as the classroom, next year we will hold more lectures on bank settlement methods to increase people's financial knowledge, let customers know more about the bank, get closer to the bank and integrate into our bank's business.

5. Continue to do a good job in telephone banking, self-service banking and online banking, and promote the use of online banking services to high-quality customers.

2. Strengthen internal control system management, prevent risks, and ensure work quality. With the increase in financial crime cases in recent years, we have higher requirements for operational standards and system implementation

1. Supervise the science and technology department to replace the computer interface of my business department as soon as possible, and then strictly In accordance with the requirements of the comprehensive business system, the division of powers is implemented, with one post and one card, and one person and one card, so as to strengthen the rigidity of system execution and improve the binding force.

2. Further strengthen the internal control and external defense of important links and important positions, focusing on strengthening account management (to ensure the quality of our bank's account opening units) and door-to-door services.

3. Further strengthen the accounting and cashier system, strictly implement and inspect the accounting and cashier system, and standardize the use and custody of accounting seals and blank important vouchers.

4. Focus on promoting the sale of payment ciphers to ensure the security of bank-enterprise settlement funds and further improve our bank's means of preventing external settlement risks.

5. Standardize business operation procedures, strengthen the general accounting daily inspection system to discover hidden dangers in a timely manner, reduce errors and eliminate settlement accidents.

6. Effectively implement the business guidance and inspection of branch offices.

7. Carry out regular assessment of accounting quality.

5. Put people first to improve the overall quality of employees. The quality of employees is fundamental to the development of a bank. Under the current frequent turnover of personnel, our business department urgently needs a high-quality team

1. Check the recruitment and employment of employees.

The banking industry sounds beautiful, but it is actually full of competition and risks, so you need to have certain psychological quality and cultural accomplishment to work in our sales department. In terms of employment, suitable positions are determined based on the employee's ability and the ability to maximize the employee's potential, thereby improving employee enthusiasm.

2. Strengthen business training, which is also the most urgent next year. The training plan has been submitted to the personnel department to prepare basic knowledge on the cashier system, payment and settlement methods, comprehensive business system accounting system, new accounting subjects, etc. and training on various emerging businesses.

3. In the case of tight personnel, it is still necessary to strengthen on-the-job training. In addition to participating in next year's technical competition, it is also necessary to improve the professional level of employees.

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