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1、农商银行平衡计分卡考核说明（一类经营单位）*农商银行平衡计分卡考核说明（一类经营单位）*农商银行平衡计分卡考核说明（一类经营单位）核心提示：存款指标加分后不超过本小项分值的130%，其他指标加分后不超过本小项分值的120%，扣分均不计负分。（一）存款增长 (31分)1、计划完成情况（17分)存款增量（10分）得分=考核期存款增量/考核期存款增量计划10分。日均存款新增额（7分）得分=考核期日均存款新增额/考核期日均存款新增计划7分。2、横向比较（14分） 存款增幅横向得分（7分）存款增幅=考核期存款增量/上年末存款余额得分=基准分5.6分+（考核期被考核单位存款增幅-考核期所在类别单位存款平均
2、增幅）100加减分0.8分。 日均存款增幅横向得分（7分）季度考核：日均存款增幅=考核期存款日均增量/2011年四季度存款日均余额全年考核：全年日均存款增幅=（年全年存款日均增余额-2011年四季度存款日均余额）/2011年四季度存款日均余额得分=基准分8.4分+（考核期被考核分理处日均存款增幅-考核期所在类别单位存款日均增幅）100加减分1.2分。(二)贷款增长（4分）得分=考核期贷款新增额/考核期贷款净增计划4分。本项按完成比例得分，不加分。（三）不良贷款下降指标（14分）1、表内不良贷款。按贷款五级分类标准，不良贷款包括次级、可疑、损失类贷款，本年度核销贷款的不良贷款纳入考核。表内不良贷
3、款绝对额下降=（考核期初不良贷款余额-考核期期末不良贷款余额）/考核期不良贷款压缩计划4分。2、隐形不良贷款。隐形不良贷款绝对额下降=（考核期初隐形不良贷款余额-考核期期末隐形不良贷款余额）/考核期隐形不良贷款压缩计划6分。3、表外不良贷款。表外不良贷款绝对额下降=（考核期初表外不良贷款余额-考核期期末表外不良贷款余额）/考核期隐形不良贷款压缩计划4分。（四）贷款到期收回指标(10分)以贷款到期收回率计划值为标准值，达到标准值的，得满分；每超标准值一个百分点，加1分；每低于标准值一个百分点，扣2分。（五）正常贷款利息收回率(12分)以正常贷款利息收回率计划值为标准值，达到标准值满分；每超标准值
4、一个百分点，加1分；每低于标准值一个百分点扣减2分。 (六)贷款利息收入指标(15分)得分=考核期实际利息收入/考核期利息收入计划15分。（七）票据业务（3分）得分=考核期承兑增长数/考核期承兑增长计划3分。（八）考核期中间业务收入（6分）得分=考核期中间业务收入/考核期中间业务收入计划6分。（九）自助转账终端布放（5分）得分=考核期自助转账终端布放数/考核期自助转账终端布放计划5分，不加分。结束语！祝大家学到有用的知识，提升自己的能力，实现自己的梦想，踏踏实实干好每一件事，为美好的明天而努力！16nlw5wbqm,zt3xq123ikihmw5pcmmh4vxh7aa,i2azd0op2io
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