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Wells Fargo Presentation

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by

Kenny Sibrian

on 30 April 2013

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Transcript of Wells Fargo Presentation

By:Tan Le, Li Taylor, Byeong Park,
Ahmed Algamdi, Kenny Sibrian,
Stephanie Kudera, Kaylee Erlbacher Wells Fargo History of Wells Fargo Basic Statistics Competition Financial Performance Risks Recommendations Big-banks competitor
Bank of America, JP Morgan Chase & Company, and Citygroup Incorporated

Nebraska
84 different business
Super-regional banks
Community banks

Behave as a local bank Questions??? Established in 1852
Great Depression
Wells Fargo today
Shipment of Stagecoaches Core deposits - $851,036,000
Net Operating income - $12,192,000
Serves 1 in 3 households
Employ's 1 in 500 working Americans Market Share 12.7% market share for Omaha/Council Bluffs area
June 2012 report - 3,008,864 deposits and 21 offices
Year to date return of 17.3
Satisfy customer needs and help them succeed financially
Recognize staff as 'team members' Specialty Financial Performance Most important measures
of profitability for any
company

Growth and declining over
a five year

Highest ending in 2012

Decreasing ending in 2009

Low ROA peer group Return On
Asset Investors look at, one of
the important is return on
equity

Highest point in 2009

Declining in 2010

Well Fargo Bank’s had
more than peer group 1%. Return On
Equity The higher the NIM the higher
the performance

Decreasing since financial
crisis

Highest point 4.64% end
of 2009

Lowest Point : 3.77% end
of 2012 = Operation Expense/ (Net Interest Income + Operating Income)

The smaller the Efficiency Ratio,More profitable the bank is

Lowest point : 50% in the end of 2009

Highest point : 60% in the end of 2012 = (Non-Interest Expense - Non-Interest Income) / Average Total Assets

Another aggregate measure of a bank’s profitability

Lowest point : 0.04% in the end of 2009

Highest point : 1.29% in the end of 2011 Net Interest Margin Spread Burden Ratio Efficiency Ratio Leading bank


Superior customer service


National bank
local bank-small town bank

Increase diversification of asset allocation

Obtain agricultural loans

Focus marketing on college students

Beef up ATM capabilities Thanks For

Listening!! Financial Crisis Ratio states the
expected dollar amount
of loans consumers will
not be able to pay on all
loans

Wells Fargo is
considerably better
than Peers Credit Risk Core deposits-
Demand deposits, NOW
deposits, money market
securities, and savings
deposits

The more core deposits
a Bank has, the better
liquidity the bank has Liquidity Risk Measures the amount of non-interest expense for every one
dollar of operating income

A lower ratio is
better Operational Risk Capital Ratios: Total Equity/TA Sub-prime mortgages/securitization of loans

Home values decrease

Mortgages remained high

Loan Defaults Wells Fargo Peer Group Comparison Ratio displays if the
Company is too leveraged

2008, 2009 Banks were
lending cautiously

2011, 2012 Banks
started lending more
money Key to measure profitability

Wells Fargo and peers spread
declining since the financial crisis

Highest point 4.61% at the end
of 2009

Lowest point 3.72% at the end
of 2012 Competition Competition Innovative technology (internet banking)


Cutting edge services


Stability, strength and history Wells Fargo rejected less than Credit-worthy borrowers

Survived financial crisis

Grew
Acquired Wachovia National Bank
Financial Crisis
Full transcript