美国富国银行Wells Fargo ＆ Company (WFC) 2007年年度报告「NYSE」.pdf

1、Wells Fargo&Company Annual Report 2007How were working togetherwith our customers to uncover their financial needsand create industry-leading products to serve them better.Troy Ledo,CustomerAlicia Moore,Team MemberWells Fargo&Company(NYSE:WFC)Were a diversified financial services companyproviding ba

2、nking,insurance,investments,mortgage loans and consumer finance.Our corporate headquarters is in San Francisco,butwere decentralized so all Wells Fargo“conveniencepoints”stores,regional commercial bankingcenters,ATMs,Wells Fargo Phone BankSMcentersand the internetare headquarters for satisfyingall o

3、ur customers financial needs and helping them succeed financially.Aaa,AAAWells Fargo Bank,N.A.is the only U.S.bank,and one of only two worldwide,to have thehighest credit rating from both Moodys InvestorsService,“Aaa,”and Standard&Poors RatingsService,“AAA.”Assets:$575 billion(5th among U.S.peers)Ma

4、rket value of stock:$112 billion(1/31/08)(4th among U.S.peers)Fortune 500:Profit,19th;Market cap,19thTeam members:159,800(U.S.s 27th-largest private employer)Stores:6,0002 To Our Owners12 Working Together with Our Customers24 Working Together with Our Communities31 Board of Directors,Senior Leaders3

5、4 Financial Review72 Controls and Procedures74 Financial Statements129 Report of Independent Registered Public Accounting Firm132 Stock PerformanceOn the CoverWorking Together Customer Troy Ledo ofDanville,California,not only has five products with Wells Fargo,but thanks to Alicia Moore of our ATM B

6、anking team,he now deposits his checks faster than ever.Please see page 19.2008 Wells Fargo&Company.All rights reserved.Working TogetherOur customerslike Lisa Kluever(left,and page 12)expect it of us every day.They say:Take the time to work with me.Understand my complete financial picture.Listen to