美国富国银行Wells Fargo ＆ Company (WFC) 2012年年度报告「NYSE」.pdf

1、WELLS FARGOW EL LS FA RGO&COM PA N Y 201 2 A N N UA L R EPORTTHE POWER OF A CONVERSATIONWel l s Fargo&Company Annual Report 2012The power of a conversation.2 To Our Owners 10 Creating Conversations 22 Community 27 Board of Directors,Senior Leaders 29 2012 Financial Report?1THE POWER OF A CONVERSATIO

2、NAt WellsFargo,every conversationisimportant.Like the conversation between small business cust omer Shua Xiong,owner of Golden Harvest Foods in St.Paul,Minnesota,and banker Abby Ward.Their talk eventually result ed in the remodeling of Xiongs st ore,which WellsFargofinanced.Conversations are also a

3、beginning because they oft en lead t o something more.Adeeper relationship.A great idea.A way t o solve a problem.That happened over the course of their relationship when Ward recommended treasury management and equipment finance services t o help meet Xiongsneeds.Relationships like these are a Well

4、sFargo staple because they help our cust omers succeedfinancially.Today,WellsFargo serves one in three U.S.households and can provide just about any financial service an individual or business requires.We serve cust omers incommunities across the country through our 9,097st ores,and weare the fourth

5、 largest in assets among U.S.banks.We got t o this place because we continue t o believe in the personalt ouch.And that starts with a conversation.2To Our Owners,Each morning,across the company,our day starts with conversations?conversations about how best to serve our customers and help them succee

6、d financially.Weve been having those conversations at WellsFargo for more than 160years,and they are the cornerstone of our success.Today,we serve one in three U.S.households and employ one in 500 working Americans.We handle 5.5billion customer interactions a year in our Community Bank alone?these g