Bank teller's year-end summary 1
Time flies, time flies. We spent an extraordinary year in busy and fulfilling work. It is gratifying to look back on the work of this year. Under the leadership of leaders at all levels of the sub-branch, under the guidance of the president of the sub-branch, and with the joint efforts of colleagues, we have made progress in learning business knowledge, improved the level of various business skills, earnestly performed our duties, always kept in mind the internal control system, successfully completed various work indicators throughout the year, and improved our ideological consciousness, professional quality, operational skills and quality service. The work plan for one year is summarized as follows:
I. Main job information and responsibilities
I am engaged in the post of comprehensive teller. The daily work mainly includes handling private business, company business, paying wages on behalf of the counter and supplementing anti-money laundering information. Seemingly simple operation, but you need to accumulate and learn more operation processes on weekdays, update them day by day, and treat the occurrence and audit of every business with concentration, care and patience, especially for business. A month's check processing capacity is relatively large. In order to reduce the refund rate and improve the level of self-service company business, I insist on carefully reviewing all the elements of each bill and strictly require myself and my customers to fill in the specifications with high standards. The internal control system is also kept in mind when every business happens, the seven-step service process is generous and decent, and all policies are put in place.
Second, my harvest and growth.
I am glad that I can join the bank and become a member of it. In my nearly one year's work, my values and outlook on life have changed greatly. She made me believe that anything is possible in life, as long as I am willing to work hard to create. Of course, only by contributing to the enterprise can we realize our own value. First of all, in a working group, everyone should unite, help each other and make progress together, because unity is the premise of mutual benefit. Secondly, it is the basic requirement to do your own job well. As a teller, you should know what you should and shouldn't do, be independent and have courage.
Customers are the mainstay of our development, and it is our duty to serve them well. Research customers, through the research of customers, understand the business needs of customers, strive to satisfy every customer, and maintain every customer through their own efforts; Of course, after getting familiar with the business and understanding the internal control of the enterprise, it is our duty to make constructive suggestions on some potential loopholes or development of the enterprise, which is also a good contribution to the enterprise.
In today's increasingly fierce market competition, while we have a warm service attitude and skilled business skills, we must constantly learn and improve all aspects of skills in order to provide customers with more efficient and better services. All kinds of training and skill assessment organized by our bank provide a strong guarantee for me to improve my business skills as soon as possible. I always attend all kinds of training, insist on listening carefully, and try to improve my business skills by combining the rules and regulations I usually study with laws and regulations.
After a period of work, I deeply realized that banking is a high-risk industry, and every little detail and element should be paid attention to when handling every business. It can be a check, signature, guest signature, handprint, registration and transaction code. A business may involve many details. If you are not careful and don't think about it, there may be risks, such as lending. The details are not trifling, and need to be taken seriously. Grasping every pass is to control the risks of our bank and to be responsible for ourselves.
Third, the existing shortcomings and the direction of efforts
Although all the work can be carried out smoothly, I know that I still have shortcomings and need to be further improved. First, the study is not strong enough. In the new economic era based on information technology, new situations and new problems emerge one after another, and new knowledge and new science are constantly coming out. It is urgent to meet the severe challenges and speed up the pace of learning. I always believe that opportunities are reserved for those who are prepared, so after work, I am still preparing for obtaining certificates such as fund sales qualification and intermediate accounting title. Second, personal emotional control is not good.
In view of the above problems, the future efforts are as follows: first, strengthen theoretical study and further improve their own quality; Second, change the work style, strive to overcome the negative emotions of self, improve the quality and efficiency of work with a full working state, and cooperate with leaders and colleagues to do a better job.
Four. Outlook for the new year
The financial industry still has a long way to go. I firmly believe that by combining my personal dream with enterprise development and giving full play to my enterprising, creative and initiative, I will realize my personal value with us _ Bank * * * and move towards a better tomorrow.
Bank teller's year-end summary II
Since my work, I have made great progress and gained great gains in my thoughts, studies and work through my own continuous efforts under the careful training and teaching of the unit leaders. The work is summarized as follows:
Ideologically, actively participate in political study, adhere to the Four Cardinal Principles, support the Party's principles and policies, and consciously abide by various laws and regulations.
At work, starting from _ _ _ _ _, I have worked in a certain department, a certain department and an accounting department.
I have worked in a department. Wherever you go, you are strict with yourself, study hard and strive to become an expert. It is with such a firm belief that I have mastered savings, accounting, planning, credit cards, personal loans and other businesses and become an expert in _ _ _ business.
I remember that when I first entered _ _ _ _ _, in order to master the business of _ _ _ _ as soon as possible, I arrived at my post more than an hour in advance and practiced counting money, abacus and saving money. Although my residence is more than 1 hour away from my work unit at that time, I have to go to work every day, rain or shine, especially in winter, because I am afraid I can't get on the bus. At that time, I often had to go to work two or three hours early. It is also a habit to tidy up first, then read the business book or prepare for a day's work, so that I have enough time to learn more business knowledge and lay a good foundation for the smooth development of my work in recent years.
Most of the positions I have worked in are front desk. In order to better serve customers, I have given different help and services to customers at different levels and with different needs. I remember a customer coming to our bank for the first time. When I learned that he wanted to buy a second-hand house with a loan, I just had an idea because I didn't know what to do, so I introduced him to all the processes of the loan in detail. In addition to serving customers wholeheartedly, I also actively responded to various activities organized by the industry, often participated in various competitions organized by the unit to show myself, and achieved excellent results and was commended by the unit.
In learning, I have never given up learning theoretical knowledge and business knowledge since I joined the work. As I graduated from a financial school in a technical secondary school, I taught myself a junior college in my spare time just after I started working. I graduated in _ _ _ _, but I was not satisfied with the status quo. I taught myself a financial undergraduate course in Northeastern University in _ _ _ _. Because of my hard work and excellent grades, I have been fully affirmed by my teacher in my study, and I am actively preparing my thesis defense. Not only have I mastered and improved my financial knowledge, but also have a certain theoretical level, which has completely reached the level of undergraduates. While studying the theory, I have studied my own business more deeply and integrated the financial knowledge I have learned into my work, so that my business level can be continuously improved. Participated in the national intermediate economist qualification examination in _ _ and passed it successfully, and was hired as an industry intermediate teacher. In the examination of business knowledge for many years, every accounting qualification examination has reached the level of 1.
Finally, I want to say that the above is just a little achievement in my work, and I can't do without the help of unit leaders and colleagues. I have always believed the saying, "No matter how bright a match is, it is only as bright as a bean." . But if you light a pile of matches with a match, it will burn very brightly. "I hope to use my brilliant youth to ignite the passion of everyone around me and inspire my colleagues to contribute, forge ahead, make contributions and create a career together.
Bank teller's year-end summary 3
In 2_x years, I entered the _ _ branch full of yearning and pursuit for the financial profession, where I will release the energy of my youth and ignite my career dream. Time flies, it has been a year since I came to the branch. In this short year, great changes have taken place in my life, and I have gradually matured in my work, study and thought.
In _ sub-branch, I am engaged in the most common cashier job. Some people may say that ordinary tellers are not professional. No, they can do brilliant work on the counter. Excellence begins with the ordinary, and perfection comes from the earnest. I love this job and regard it as the starting point of my career. As an employee of the Agricultural Bank of China, personality is a frontline employee, and I deeply feel the heavy responsibility. Counter service is a "courtesy window" to show the good service of ABC system, so I win the trust of customers with full enthusiasm, dedicated service, sincere service and dedicated work attitude every day.
Yes, among the employees of ABC, tellers are the groups that directly respond to customers, and the counter is the window to show the image of ABC. Tellers' daily work may be busy and monotonous. But when dealing with all kinds of customers, tellers should be skilled in operation and enthusiastic in service, day after day, so that customers can truly appreciate the sincerity of ABC people and feel the warmth of doing business in ABC. This kind of work is extraordinary, and I am proud of my post! To this end, I ask myself to do: first, master excellent business skills and never relax business learning; Second, maintain good professional ethics and abide by national laws and regulations; Third, cultivate harmonious interpersonal relationships and get along well with colleagues; Fourth, know yourself and yourself, win without arrogance, and lose with grace.
Since I joined the work, I have stuck to my post, worked hard, learned business knowledge and consulted experienced colleagues. Only in this way can I really do a good job that can stand the test of time. Little things make me deeply realize that as a frontline employee, he is destined to be ordinary, because he can't block the gun like a frontline soldier, blow up the bunker with full blood, and leave the world a hero's reputation. He can't even sow summer harvest in winter and harvest in summer like a farmer. Some just repeat those boring operations and complicated affairs year after year, such as deposit, withdrawal, entry, collection, distribution, marketing, maintenance and welcoming. In this ordinary post, let me deeply realize that greatness lies in the ordinary, ordinary we can contribute, our enthusiasm, our sincerity and our youth. Ordinary people can also create a beautiful sky. Without foundation, there is no tall building, and without ordinary, there is no greatness! The value of life can only be sublimated and perfected through ordinary dedication.
In the process of serving customers, I always adhere to the principle of "thinking what customers think, meeting their needs and eliminating their worries", and provide customers with all-round, thoughtful, convenient and efficient services, so as to achieve standardized operation, standardized service, polite language and decent manners, leave a good impression on customers and win their trust. When actually handling business, under the premise of ensuring compliance with the rules and regulations of the bank, we should master the marketing methods flexibly, bring necessary convenience to customers, and provide personalized and fast services flexibly and moderately.
Perfection comes from seriousness. On the basis of doing a good job in counter quality service, we will try our best to bring more thoughtful service to customers. Because, there are no picky customers, only imperfect services. In my daily work, I study new knowledge and new business diligently, integrate theory with practice, and master various service skills. I start with small things, and try my best to be fast, accurate and efficient in handling business, so that customers can wait less, run less and ask less, and bring timely, punctual, timed and ready service to customers.
Youth is the most precious time in life, because you are full of ambition and energy, because you dare to do things, because you have too many dreams and expectations, so you are full of energy! But in my opinion, the preciousness of youth still includes unremitting pursuit and team integration, lofty moral cultivation, strong will, and more importantly, it is necessary to stand up to the ordinary, stand on the ordinary, be indifferent to fame and fortune, and be brave in dedication!
On this day, we dedicated our fiery youth to the ordinary post of Agricultural Bank of China. It was in this alternation of youth that Agricultural Bank of China developed step by step. On her clear annual rings, our youth will also be deeply printed. Franklin famously said, "Push your career, don't let it push you". On this day, I come to publicize my career, which stems from my pursuit of life value and my enthusiasm for financial career. Because I understand that as a growing youth, only by organically combining personal ideals with the development of agricultural finance can I give full play to my work intention, initiative and creativity and realize my life value in the process of creating a perfect tomorrow for the Agricultural Bank.
Bank teller's year-end summary 4
I have been working for a year. This year, I studied hard and worked hard, and successfully completed the role change from a student to a bank employee. I will summarize my work in the past year as follows:
My post is _ branch cash service window, and my words and deeds represent the image of the bank. We should not be a little sloppy and lax in our work. _ Sub-branch is located in downtown area, which 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 in my work and operate in strict accordance with the rules and regulations formulated by the branch. Be consistent with yourself all the year round.
Because I'm new here, I'm not particularly skilled in business. In order to get familiar with the business as soon as possible, I will consult old comrades humbly when I encounter problems. The big brothers and sisters in the industry also enthusiastically gave help and guidance, which made me progress and improve quickly. At the beginning, I made a mistake because I was not careful enough and not skilled enough. Although I lost money, it didn't affect my enthusiasm for this job. On the contrary, it made me study my business skills and theoretical knowledge hard.
In today's fierce competition in the financial market, as front-line employees of outlets, in addition to strengthening their theoretical quality and professional level, they should pay more attention to their own services, enhance their core competitiveness, and implement various spirits and requirements issued by banks in practical work, so as to be subtle, civilian and daily. Respect customers, put yourself in their shoes and serve customers sincerely. To provide customers with convenient, fast and accurate services and win the trust of customers. What does it mean to make customers feel warm here?
In a word, this is a year when my role has changed and I have been growing up. In the new year, I set myself a new goal, that is, to step up my study, better enrich myself and meet the challenges of the new period with full mental state. Maintain good professional ethics, obey the decisions and instructions of superiors, and conscientiously implement them. Meticulous, proactive, responsible, and strive to do the best job.
There are more opportunities and competitions waiting for me in the 20_ annual meeting, and I am also secretly encouraging myself. Stand firm in the competition. Down-to-earth, our eyes should not be confined to the small circle around us, but should focus on the overall situation and future development. The times are changing, the environment is changing, and the work of banks is changing from time to time. Every day something new appears and something new happens, which requires me to change with the situation. Learn new knowledge, master new skills, adapt to changes in the surrounding environment, improve their ability to perform their duties, train themselves to be a comprehensive bank employee, and better plan their career. Of course, I still have some shortcomings in handling and operating some details. I will hone myself in my future work and study, improve myself with the guidance and help of my leaders and colleagues, give full play to my strengths and make up for my shortcomings.
Bank teller's year-end summary 5
Over the past year, under the correct leadership of the superior bank, we have grasped five key points, namely, focusing on credit management to prevent and resolve operational risks; Focus on savings deposits and strengthen financial strength; Focus on increasing income and reducing expenditure to improve the efficiency of capital operation; Pay attention to standardized management and promote legal compliance; Pay attention to team building and improve the overall quality of the whole bank. Successfully completed the main business tasks, and realized interest income of 30.54 million yuan by the end of 65438+February; The growth rate of savings deposits reached15.45%; The growth rate of corporate deposits reached 0.9%; Foreign currency deposits reached $860,000, $60,000 more than planned; Loan-to-deposit ratio increment is 26.66%; The cost is 6.5438+0.378 million yuan; The book loss is 370,000 yuan; The actual loss was 45.73 million yuan. The assessment indicators have also been completed well: the occupancy rate of interest-free assets 15%, which is only 0.2 percentage points worse than the plan; The normal rate of new loans reached100%; The disposal rate of paying debts with assets is 23%, exceeding 3 percentage points; Repay the loan of 30 million yuan; Non-interest income increased by -75%, 95 percentage points worse than planned; Spending 6 1 ,000 yuan by credit card, exceeding 1 ,000 yuan; The international settlement business volume reached 1 1 ten thousand dollars; Excess of 3.5 million US dollars; There were no major economic criminal cases and liability accidents in that year.
Looking back on 2020, we focus on the following aspects:
First, strengthen credit management and raise income level.
Mainly caught four important links:
(1) concentrate on collecting interest. Interest income is the key factor affecting the bank's operating performance, and collecting interest is also an arduous task for the bank and a tough battle. In order to ensure the completion of this arduous task as scheduled, we have taken the following three measures.
First, the task is implemented and rewards and punishments are honored. According to the normal, overdue and sluggish loan occupation pattern of each branch, after deducting objective factors such as enterprise restructuring, the interest collection plan issued by the superior bank is truthfully decomposed, monitored by ten days and assessed monthly. All localities have implemented the task 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 director of the department, we have been continuing to carry out the task of protecting the house and protecting the extended family. The president and vice president take out 30% of the total personal salary every month and link it with the bank's interest-collecting task, and the directors of various departments and offices and staff of various organs take out 400 yuan from various subsidies every month, of which 40% is linked with the insurance company's interest-collecting task and 60% is linked with the bank's main business tasks.
The second is to help enterprises improve management, improve efficiency and increase income sources. Each loan officer has completed the task of helping one household, helping to enliven promising enterprises to analyze problems in operation and management, helping to clear the payment, helping to sell products, helping to clear the warehouse, or giving necessary support, increasing benefits and cultivating sources of interests. This alone earned an annual interest of 1.08 million yuan. For enterprises with good benefits, we try our best to support bank acceptance of bills of exchange, which promotes the production of enterprises and increases their ability to repay capital and interest. The annual interest income is 654.38+0.86 million yuan. At the same time, we will pay close attention to the interest collection of transformed enterprises, and collect 2.2 million yuan of interest from transformed enterprises throughout the year.
The third is to strengthen the management of payment withdrawal and prevent the external circulation of funds. This is an important basic management work. If you do it well, you can kill two birds with one stone, which can not only increase interest income, but also increase corporate deposits. Therefore, accountants, cashiers,
The credit department closely cooperates with each other and performs their duties: accountants and cashiers keep an eye on enterprise accounts and strengthen cash management; Credit personnel master the capital flow and payment direction of the enterprises under their jurisdiction, do a good job of inspection and supervision, and promote the payment. The Credit Management Department, the Special Loan Department and the Business Development Department work together, and often go deep into the enterprise to check the cash on hand, do a good job of investigation, grasp the multi-head account opening situation of the enterprise, and better prevent the loss of interest sources.
(2) Do a good job in standardized management to reduce and resolve credit risks. Focus on the following links: First, readjust the post of separating loan review, set up credit review posts, legal review posts and credit inspection posts, rationally divide the work, clarify responsibilities, handle credit business according to law, and ensure the normalization, legalization and proceduralization of credit management. Second, strictly implement the method of the first person responsible for loans, thoroughly solve the old problems of separation of powers and responsibilities, unclear responsibilities and unclear rewards and punishments, and implement the responsibility for loan losses. Third, strict management of acceptance bills. Acceptance bills are strictly managed as new loans, and procedures are performed in accordance with the conditions of 10 stipulated by the superior bank to ensure that no advances are made.
(3) do a good job of sorting out and revitalizing. On March 12, the Head Office and provincial banks held a video conference on credit asset sorting. President He Linxiang of the Head Office and President Zhang of the Provincial Bank made detailed arrangements for the significance, steps, methods and policies of the clean-up work. This is a phased central work and a major reform of the bank credit management system. Time is tight and the task is heavy. According to the unified requirements of the superior bank, the Bank set up a leading group for sorting work, with the president personally as the leader and the vice president as the director of the sorting office, responsible for sorting work. Through this combing work, the bank's credit management level will be promoted to a new level.
We have done a good job in revitalizing non-performing loans. This year's revitalization task is younger than in the past, with a drop of only 3 percentage points. However, the difficulty is not light, and it is necessary to actually recover it. Therefore, all localities have implemented less than 1 percentage point, and it is required to ensure that it is completed without moisture.
(4) Optimize credit structure and improve credit services. We have broken the boundary between industry and ownership, focused on the crucial double-excellent customers, and realized the efficient use of credit funds. Focus on the following aspects:
First, credit rating, accurate evaluation of existing customers, classification arrangements. We conducted a comprehensive survey of 570 enterprises that have opened accounts and carried out credit rating work. Three enterprises were rated as.
First, focus on customers and do a good job in settlement services. Customers are the source of our existence. As the sales department and external window, the quality of service directly affects the credibility of our bank.
1. We will continue to implement the "first inquiry responsibility system", "full-time service", "standing service" and "three-tone service" that our bank has always advocated, so as to ensure that every employee can treat every customer patiently and satisfy customers.
2. With the intensification of competition in the financial industry, customers have higher and higher requirements for banking services, not only in counter services, but also in our service varieties. In addition to continuing to do a good job in the agency settlement of utilities, taxes and fees, financial fees, traffic fines, bsp aviation agents, etc., we must also do a good job in the joint opening of expressways next year.
Network charging service, open-end fund acquisition service, securities business and other services to improve our competitiveness.
3. Actively strengthen contact with personal business, participate in personal business, be familiar with personal business, and better serve customers.
Although I have been working on the integrated business system, I have not been able to achieve real integration for various reasons, which is the lack of work in my sales department.
4. Taking banks as the classroom, we will hold more lectures on bank settlement methods next year to increase people's financial knowledge, and let customers know more about banks and get close to them, so as to integrate into our business.
5. Continue to do a good job in telephone banking, self-service banking and online banking, and promote the use of online banking to quality customers.
Two, strengthen the management of internal control system, prevent risks and ensure the quality of work. With the increase of financial crimes in recent years, we have higher requirements for operational norms and system implementation.
1, urge the science and technology department to replace the computer interface of our business department as soon as possible, and then implement the division of powers in strict accordance with the requirements of the integrated business system, with one post and one card, so as to enhance the rigidity of system implementation and improve the binding force.
2. Further strengthen the internal control and external defense of important links and positions, focusing on account management (ensuring the quality of the account opening unit of the Bank) and on-site service.
3. Further strengthen the accounting cashier system, strictly implement and check the accounting cashier system, and standardize the use and custody of accounting seals and blank important vouchers.
4. Focus on payment cipher sales, ensure the security of bank-enterprise settlement funds, and further improve the means for banks to prevent external settlement risks.
5. Standardize the business operation process, strengthen the daily inspection system of the chief accountant, find hidden dangers in time, reduce errors and put an end to settlement accidents.
6. Seriously perform the business guidance and inspection of the branch.
7, do a good job of regular assessment of accounting quality.
Five, people-oriented to improve the overall quality of employees. Staff quality is the foundation of bank development. Under the current situation of frequent personnel turnover, our business department urgently needs a high-quality team.
1, be a good citizen.
Banking sounds beautiful, but it is full of competition and risks, so you need to have certain psychological quality and cultural accomplishment when you come to our sales department. In employing people, we should use employees' ability and their greatest potential to determine suitable positions, so as to improve employees' enthusiasm.
2. Strengthen business training, which is also the most urgent next year. Now the training plan has been submitted to the personnel department, and it is ready to train the basic knowledge such as cashier system, payment and settlement methods, accounting system of integrated business system, new accounting subjects and various emerging businesses.
3. In the case of personnel shortage, it is still necessary to strengthen on-the-job training, not only to participate in next year's technical competition, but also to improve the professional level of employees.
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