美国富国银行Wells Fargo ＆ Company (WFC) 2009年年度报告「NYSE」.pdf

1、Wells Fargo&Company Annual Report 2009The vision that worksOur vision is clear and simple.Wells Fargo&CompanyNYSE:WFCWere a nationwide,diversifi ed fi nancial services company?community-based and relationship-oriented.Our corporate headquarters is in SanFrancisco,but all our“convenience points”?stor

2、es,regional commercial banking centers,ATMs,WellsFargo Phone Bank,SM internet?are headquarters for satisfying all our customers fi nancial needs and helping them succeed fi nancially,through banking,insurance,investments,mortgage and consumer fi nance.Assets:$1.2trillion,4th among peersMarket value

3、of stock:$140billion,2nd among peers(12/31/09)Customers:70 million(one of every three U.S.households)Team members:281,000Stores:10,000 2010 Wells Fargo&Company.All rights reserved.1 2 To Our Owners 10 The Vision That Works:For Our Customers 24 The Vision That Works:For Our Communities 31 Board of Di

4、rectors,Senior Leaders 33 Financial Review 88 Controls and Procedures 90 Financial Statements 186 Report of Independent Registered Public Accounting Firm 191 Stock PerformanceWe want to satisfy all our customers fi nancial needs and help them succeed fi nancially.Our vision puts our customers fi rst

5、.Its the heart of our culture.It unites all our businesses.Its behind every product we design,every service we off er,every dollar we earn.Its time-tested.Its measurable.Weve been making steady progress toward it for more than two decades.In this report,we show you how we do it how we want our visio

6、n to anchor all our daily behaviors,decisions and customer interactions.2 2For starters,we:Provided$711billion this year in loans and lines of credit to our customers.Provided more loan dollars to small businesses than any other U.S.lender and the most loans under$100,000 to small businesses in low-