美国富国银行Wells Fargo ＆ Company (WFC) 2005年年度报告「NYSE」.pdf

1、Wells Fargo&Company Annual Report 2005How Do We Picture the Next Stage of Success?3 To Our OwnersFor 20 years,Wells Fargo has achieveddouble-digit growth in almost everyeconomic environment.Chairman/CEODick Kovacevich explains how our team did it.11 How Do We Picture the Next Stage of Success?We bel

2、ieveand many industry observers agreethat we have thestrongest management team in allof financial services.Heres how they picture success for their customers,their businesses and their teams.24 Picturing the Next Stage of Success for Our CommunitiesWere one of corporate Americas top 10 giversbut its

3、 the time,talent and creativity of our team membervolunteers that really sets us apart.31 Board of Directors,Senior Management33 Financial Review58 Controls,Procedures60 Financial Statements112 Report of Independent Registered Public Accounting Firm116 Stockholder InformationWhich Measures Really Ma

4、tter?2005 Update(inside back cover)Wells Fargo&CompanyWells Fargo&Company(NYSE:WFC)is a diversified financial services companyproviding banking,insurance,investments,mortgage loans and consumer finance.Ourcorporate headquarters is in San Francisco,but were decentralized so all Wells Fargo“convenienc

5、e points”including stores,regional commercial banking centers,ATMs,Wells Fargo Phone BankSMcenters,internetare headquarters for satisfying all our customersfinancial needs and helping them succeed financially.“Aaa”Wells Fargo Bank,N.A.is the only U.S.bank toreceive the highest possible credit rating

6、 fromMoodys Investors Service.Assets:$482 billion(5th among U.S.peers)Market value of stock:$105 billion(4th among U.S.peers)Fortune 500:Profit,17th;Market Cap,18thTeam members:153,500(one of U.S.s 40 largest private employers)Customers:23+millionStores:6,250ReputationBarronsWorlds most admired fina