美国富国银行Wells Fargo ＆ Company (WFC) 2016年年度报告「NYSE」.pdf

1、Our CommitmentWELLS FARGO&COMPANY ANNUAL REPORT 20162016 ANNUAL REPORTContents2|Letter from Chairman of the Board 4|Letter from Chief Executive Officer and President 14|Demonstrating Our Commitment14|Homeownership:More than a dream16|Journey through retirement18|A prescription for caring20|Bringing

2、bankers to the kitchen table22|A home for hope24|Building with smart technology26|Helping create affordable housing28|A future of efficient freight30|A bank for life 32|Operating Committee and Other Corporate Officers33|Board of Directors34|2016 Corporate Social Responsibility Performance35|2016 Fin

3、ancial Report-Financial review-Controls and procedures-Financial statements-Report of independent registered public accounting firm273|Stock Performance232016 ANNUAL REPORTDear Fellow Shareholders,Since 1852,Wells Fargo has worked to earn customers trust by meeting their financial needs and helping

4、them succeed financially,while maintaining the highest standards of integrity.That is why my fellow Board members and I were deeply troubled that Wells Fargo violated that trust by opening accounts for certain retail banking customers that they did not request or in some cases even know about.This b

5、ehavior is unacceptable,not only to the Board but also to the overwhelming majority of our people who are hard-working and highly ethical.We have taken aggressive action to root out these practices and to compensate our customers who were harmed by them.We recognize that these events signaled a need

6、 for fundamental changes in Wells Fargo s culture,management systems,and executive leadership.Most significant among the many changes we have made is naming Tim Sloan CEO and Mary Mack head of the Community Bank.Together,Tim and Mary are leading a wave of change in the Community Bank s culture,perfo