优化大型复杂SQL

with aa as
 (select 
         a.agmt_id,
         sum(c.acct_bal) as card_bal, --借记卡期末存款余额
         a.card_open_org,
         a.OPEN_DATE, -- 发卡日期     
         a.CARD_NEW_STATUS, -- 卡片状态    
         a.cust_magr, -- 客户经理号 
         a.cust_no, -- 客户号
         a.corp_org
    from dwf.f_agt_cadb_book_h a
    left outer join (select agmt_id, acct_no
                      from dwf.f_agt_cadb_acct
                     where substr(acct_status, 8, 1) <> '2') b
      on a.master_card_no = b.agmt_id
    left outer join (select agmt_id, max(last_trans_date) last_trans_date, sum(acct_bal) acct_bal
                      from dwf.F_AGT_SAVB_ACCTINFO_H
                     where start_dt <= to_date('2014-03-31', 'YYYY-MM-DD')
                       and end_dt > to_date('2014-03-31', 'YYYY-MM-DD')
                       and acct_status <> '1'
                       group by  agmt_id