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Wells Fargo

Transcript: Group Members Environmental Analysis General Environmental Analysis Internal Analysis Resources Capabilties Core Competencies Value Creating Activities Primary Activities Support Activities Strategy Formulation Current Strategies Helps recover losses from one segment of the business that performed poorly Wells Fargo is involved from wholesale banking to venture capital investment Diversification of the business allows there to be efficient use of opportunities and an ability to handle threats from the environment Story of Wells Fargo Founded in 1852 by Henry Wells & William Fargo Purpose: offer banking and express services in Gold Rush Port in San Francisco -Developed reputation for trust, dependability, safety & security Survival through many catastrophies and events (i.e. Great Depression, WWII) Became first to offer online banking in 1994 Opportunities: On-line Banking/Mobile Banking Bank Deregulation Mergers and Acquisition Honesty Yearly accounting figures are up-to-date and accurate Alternative Evaluation . Advertising Through the Media Wells Fargo has been successful using their current strategy, however their success creates a great opportunity to evaluate alternatives Changes in bank regulations and the uncertain financial environment create opportunities for Wells Fargo With their high returns Wells Fargo can look into options and mergers with struggling companies both within the United States and globally Physical: Related to their ATMs. With over 12,000 ATMs distributed to different parts of the world Current Strategies Operational Management The use of highly coordinated systems Intangibel Resources: Opportunities Organizational Various procedures put in place within each business area. These include policies on loan repayments as well as policies for when a loan value must be recalculated. Threats: Personal Savings Declining High Unemployment Local Competitors>Cost Leaders Automated Teller Machines . Angelo Demetriades Brownson Arebojie Chris Brehmer Youa Yang Strategic Alternative Chris Brehmer High unemployment Unemployment rate: 8.6% as of November 2011 Causes home foreclosures and problems with loan payments Physical Related to their ATMs. With over 12,000 ATMs distributed to different parts of the world, Wells Fargo ATMs are very accessible. Sustainable revenue growth by satisfying their customer's needs. Promotional Activites Limited time offers, enable Wells Fargo to potentially obtain a higher number of new customers Complete Advantage Package, is an exclusive deal that allows individuals to have an interest-earning checking account as well as a savings account with bonus interest Wells Fargo has put together ads to create awareness about the company as well as their new business ventures. Wachovia: was acquired by Wells Fargo. By advertising, Wells Fargo has created awareness about Wachovia, and the benefits Wells Fargo is successful through their proven strategies. Strengths and Weaknesses Alternative Evaluation Inbound Logistics: Tangible Resources: General Environmental Analysis Wells Fargo Today Vision: "We want to satisfy all our customers' financial needs and help them succeed financially." Goal: To be the premier provider of financial services in every market and be known as one of America's great companies Diversified Financial Services company Have one their industry's most extensive distribution system -More than 9,000 stores, 12,000 ATMs, online banking, & Phone banking Today, Wells Fargo is well known throughout the nation as one of the most successful banks in the industry Angelo Demetriades Distributed all over North America in public locations such as gas stations, college campuses, department stores and malls. Enables customers to obtain what they want at a convenient location. Wells Fargo currently has 12,260 ATMs in the nation. Internal Analysis Alternative Evaluation Operations Tools and Resources Opportunities & Threats Youa Yang Banking Deregulation Less restriction and more freedom for banks Gramm-Leach-Bliley Act Human Resources Extends to the customers as well as employees Has direct positive impact on the quality of service that customers receive Positive customer interaction will build relationships and increase the likelihood of future business Employees of Wells Fargo are aware that they are truely valued. This can be observed on annual reports, which indicates the level of value placed on human capital Source: "To have a conservative financial position measured that is measure by asset quality, accounting policies, capital levels and diversity of revenue sources." Technology: Highly advanced ATMs, which allow customers to withdraw money, deposit money and manage their account Financial: Various Financial Services Threats Relationship Management Strategic Alternative Selection Differentiated Marketing Wells Fargo uses TV commercials, direct mail and promotions to gain new customers Moderate Moderate High-to-moderate Moderate-to-low Low

Wells Fargo Presentation

Transcript: By:Tan Le, Li Taylor, Byeong Park, Ahmed Algamdi, Kenny Sibrian, Stephanie Kudera, Kaylee Erlbacher = 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 Thanks For Listening!! Questions??? 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 Efficiency Ratio 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 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%. Increase diversification of asset allocation Obtain agricultural loans Focus marketing on college students Beef up ATM capabilities Basic Statistics 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 Ratio displays if the Company is too leveraged 2008, 2009 Banks were lending cautiously 2011, 2012 Banks started lending more money Risks Liquidity Risk Satisfy customer needs and help them succeed financially Recognize staff as 'team members' Measures the amount of non-interest expense for every one dollar of operating income A lower ratio is better = (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 Leading bank Superior customer service National bank local bank-small town bank 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 Financial Performance Sub-prime mortgages/securitization of loans Home values decrease Mortgages remained high Loan Defaults Return On Asset Wells Fargo Wells Fargo rejected less than Credit-worthy borrowers Survived financial crisis Grew Acquired Wachovia National Bank Peer Group Comparison Financial Crisis Core deposits - $851,036,000 Net Operating income - $12,192,000 Serves 1 in 3 households Employ's 1 in 500 working Americans Competition Financial Performance Burden Ratio Competition 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 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 Market Share Wells Fargo Innovative technology (internet banking) Cutting edge services Stability, strength and history 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 Return On Equity Operational Risk Competition Net Interest Margin Credit Risk Established in 1852 Great Depression Wells Fargo today Shipment of Stagecoaches Financial Crisis Recommendations Specialty History of Wells Fargo Spread Capital Ratios: Total Equity/TA


Transcript: Banking is the "ultimate intangible industry". They lend out money at a higher rate than they borrowed. Wells Fargo made sure that they delivered business A.S.A.P. Using this strategy, Wells Fargo is a $272 billion market capitalization. Making it the largest bank in the United States and the second largest in the world behind Industrial & Commercial Bank of China. Wells Fargo delivered business by stagecoach, steamship, railroad, pony rides or even telegraph. In 1858, they helped start the Overland Mail Company to meet the demands for speedy communications across the West. By 1861, Wells Fargo took over operations of the Western leg of the Pony Express. In 1866, Wells Fargo combined all major Western stage lines. Stagecoaches began to bear the name Wells Fargo & Co. and covered 3,000 miles of territory; from California to Nebraska and Colorado to the mining regions of Montana and Idaho. Work Cited Well Fargo's Importance Wells Fargo has been recycling paper since 1886. In 2005, Wells Fargo was the first bank to offer a free online money-management tool. Wells Fargo provides banking, insurance, investments, mortgage, and consumer and commercial finance services through more than 8,700 locations, more than 12,500 ATMs, online, and mobile devices. Wells Fargo Products C.E.O of Wells Fargo Mergers & Acquisitions In 1866, almost all Western stagecoach lines were under Wells Fargo name.In 1905, Wells Fargo merged with Nevada National Bank, to form Wells Fargo Nevada National Bank. In 1923 this bank merged with the Union Trust Company to form the Wells Fargo Bank & Union Trust Co., a name that was shortened to Wells Fargo Bank in 1954. In 1960 it merged again, this time with the giant American Trust Company , to form the Wells Fargo Bank American Trust Company. By: Kynedi Williams About the Founders Henry Wells: Dec. 12, 1805- Dec. 10, 1878 American businessman founded Wells Fargo, American Express & Wells College William George Fargo: May 20, 1818- Aug. 3, 1881 pioneer American expressman founded Wells Fargo & American Express How It Became Large & Successful The current CEO of Wells Fargo is John G. Stompf, 31 years old. Salary: In 2014, Stompf mad $19.3 million compensation. His pay is just about different every year but it's around $12 million to $23 million, Sometimes his pay is larger, depending on how Wells Fargo banking went that year. Wells Fargo Fun Facts In 2014, the Official of Financial Research did a scoring of the top banks in the U.S. based on size, complexity, interconnectedness, cross-jurisdictional activity and how easily the products offered can be provided by competitors. The Wells Fargo Co. scored a 202.6, which is really good. WFC got the lowest score(the best score out of the banks) and has supposedly been proven to be the most systematically important bank. Plus, Wells Fargo Co. is "far from being the biggest threat to the United States' financial system". It has been said that Wells Fargo Co.'s importance is recently still increasing. History of Wells Fargo WELLS FARGO

Wells Fargo

Transcript: The Future There are lots of banks in the World but only three are Wells Fargo's competition. Jpmorgan Chase & Co. Citi Group Inc. Bank of America Corporation History Statistics International Banking Awards Finance Information U.S. Bank of the Year - 2014 World's most valuable bank brand 3 years in a row. - 2013, 2014, 2015. Best Brand Trade Finance Small Business & Middle Marketing Banking - 2014 Best Trade & Supply Chain Finance Bank in North America - 2013. Environment / Involvemont In 1818, Wells Fargo became the country's 1st nationwide express company. They have more than 100 years in global banking. They provide banking services to customers all over the world; in all European Unions, European Economic Area Countries, parts of Asia, South America, and Australia. Wells Fargo was founded in 1852 by Henry Wells and William Fargo. It has been 163 years. It was opened in San Francisco during the Gold Rush. They tried all kinds of ways to deliver their business to the people: Stagecoach, steamship, railroad, pony rides, or telegraph. Values “We want to satisfy all our customers’ financial needs and help them succeed financially.” (Wells Fargo) Their vision has nothing to do with just money and transactions but about "building lifelong relationships one cusomer at a time" (Wells Fargo). Industry Competition Wells Fargo Market Capital Value - $273.76 B Enterprise Value - $220.23 B as of (8/31/15). Jpmorgan Chase & Co. Market Capital - $237.16B Enterprise Value - $198.05 B as of 8/31/15. CitiGroup Market Value - $160.97 B Enterprise Value - $-12.93 as of 8/31/15 Bank of America Corporation Market Capital Value - $170.56 B Enterprise Value - $221.76 B as of 8/31/15. Wells Fargo Vision Global 5 primary values People as a competitive advantage Employees Work as a team and be the best that they can be. Ethics Be righteous and respectful. What's right for customers Be heplful, do the right thing and treat them like our friends. Diversity and Inclusion Treat every one equal. Leadership Be a good role model.


Transcript: “2nd Top Company For Lesbians, Gay, Bisexual, and Transgender Employees” – DiveristyInc. Magazine. “6th Best Company for Executive Women” – DiveristyInc. Magazine. “Top 4 best companies for Diversity” - Black Enterprise magazine. “Worlds 45 top admired Companies” – Fortune “Best Company for Diversity” – Hispanic business. Founded in 1852, Wells Fargo provides banking, insurance, investments, mortgage, and consumer and commercial financial services through more than 8,700 locations, 12,800 ATMs, online (, and mobile devices. They have their headquartered in San Francisco, but they decentralized so every local Wells Fargo store is a headquarters for satisfying their customers. Wells Fargo & Company (NYSE: WFC) is a nationwide, diversified financial services company with $1.7 trillion in assets. In 2014, Wells Fargo was named “Most Respected Bank” by Barron’s magazine, “Most Admired” among the world’s largest banks by Fortune magazine, and “Best U.S. Bank” by The Banker magazine. Wells Fargo and it’s people Culture of caring for communities Cross selling “the process of offering customers the products and services they need, when they need them, to help them succeed financially.” It’s cheaper than new customer acquisition: It costs a bank much more to acquire customers than to sell to an existing customer. It improves customer retention: Cross-selling means a customer gets a number of services from you. This leads to a longer and deeper customer relationship. It increases revenue per customer: More cross-selling means more revenue from the same customer Customer services vision For a bank to be successful it must: Increase its customer base Increase revenue from each customer Increase both Stable and Boring Traditional bank Cross Selling Wells Fargo Strategy: “Having more engaged and loyal customers” A Banks DNA A Service Company First MAN4162 Carmen Rodriguez Catalina Ricardo Peña About the Company Employees Implement Strategies, and take organizations to its goals. “People are our competitive Advantage” Employee benefits 401k, Roth IRA, Stock Purchase plan, Profit Sharing HMO, PPO, Life Insurance, Dental Tuition Reimbursement, Scholarships The customers reviews change over the years Our customers don’t do business with us just so they can be another account number. They want us to know them, respect them, appreciate them, and reward them for doing business with us. The winners in financial services will be companies that know the most about their customer, obtain that information efficiently and securely, treat it respectfully, and use it wisely” John Stumpf Wells Fargo CEO “We want to satisfy all our customers’ financial needs and help them succeed financially.” Diversity At Wells Fargo, we embrace our responsibility economically, and environmentally — and the opportunity to create more resilient, sustainable communities through our operations and actions. We look for diverse perspectives to inform our business strategy, strive to strengthen financial and communities, and are proactive in caring for and improving the environment. Philanthropy Donated $281.2 million to be a leading corporate citizen — socially, 17,100 nonprofits in 2014 $1.1 billion in grants to nonprofits over the last four years (2011-2014) to support and revitalize communities, help charitable organizations, and grow local economies. $7 billion in community development loans and investments in low- and moderate-income areas (2014).

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