The key process of the bank's year-end final accounts is as follows:

1. Comprehensively check the bank accounts to ensure that all data are accurate. This includes checking various inventories and confirming the actual situation of assets and liabilities.

2. Adjust the prices of precious metals, foreign exchange and other assets held by banks to reflect the changes in market prices.

3. Carry forward the income, expenditure, profit and loss of the bank in the current year so as to calculate the after-tax profit of the current year.

4. classify the credit assets of banks to determine their risk level and provide a basis for drawing loan loss reserves.

5. according to the requirements of banking supervision, prepare annual final accounts, such as business status report, profit and loss schedule and its schedules.

6. Engage an external auditor to audit the annual final accounts of the bank to ensure its authenticity and compliance.

7. submit the audited annual final accounts to the relevant regulatory authorities and disclose them to the public at an appropriate time.

8. According to the tax laws and regulations, calculate the tax payable by the bank and make corresponding tax treatment.

9. according to the bank's profitability and shareholders' requirements, make dividend plans and reward employees appropriately.

11. archive the relevant documents and materials in the process of annual final accounts and summarize the final accounts, so as to improve and improve the efficiency and quality of future final accounts.