美国富国银行Wells Fargo ＆ Company (WFC) 2013年年度报告「NYSE」.pdf

1、Wel l s Fargo&Company Annual Report 2013 The right peopl e.The right markets.The right model.Serving customers in the real economy.3 To Our Owners 29 2013 Financial Report 267 Stock Performance Financial Review 10 Rel ationships,Not Transactions Control s and Procedures 22 Educating Communities Fina

2、ncial Statements in New Ways Report of Independent Registered 27 Board of Directors,Senior Leaders Publ ic Accounting Firm Serving cust omersint he real economy.What is the real economy?Its the first-time homebuyer l ooking to buy a home.Its the bookkeeper who needs to make a deposit quickl y.Itsthe

3、 veterinarian who sees her business growing.And its l arge companies,too l ike a famil y business that is one of the l argest growers and suppl iers of producein the U.S.Wel l sFargos Mindi Weber,who has a background in agricul t ure,works side by side with customers l ike Fowl er PackingCo.every da

4、y on products and services,from its l ine of credit to t reasury management.Co-owner Dennis Parnagian whose fat her founded Fowl er Packing in 1950 said,“Wel l sFargo getsit.Theyunderstand our worl d and our specific needs and chal l enges.Wel l sFargo has shown me it is committed to agricul ture an

5、d has the personnel and capabil ities to do the job right.”To Weber,and al l Wel l sFargo team members,that means devel oping deep rel ationships,understanding and serving customers needs,and hel ping them succeed financial l y.Wells Fargo s Mindi Weber with the Parnagian brothers,Randy,Philip,Denni

6、s,and Kenny|Fresno,California 1 John G.Stumpf Chairman,President and Chief Executive Offjcer,WellsFargo&Company 2 To Our Owners,2013 was another great year thanks to the dedication of our more than 264,000 team members working together toward our common vision:To satisfy all our customers financial