Wells Fargo announced in July 2009 that it was expanding into securities businesses like merger advice, stock and bond underwriting, and fixed-income trading. Wells Fargo has over 6,700 bank branches across the US and is a large residential mortgage lender. The presentation discusses whether Wells Fargo should strengthen its retail presence, grow internationally, or move into the void left by disappearing investment banks. It provides an overview of Wells Fargo's current situation, including its large asset size and workforce. A SWOT analysis identifies strengths like size and reputation, and weaknesses like lack of international presence. The presentation analyzes Wells Fargo's customer segments and strategies for financing future acquisitions and growth.

1. WELCOME TO OUR
PRESENTATION
Wells Fargo Corporation 2009

2. Group profile:

3. Maruf Hossain
19-013

4. Overview of the case
In July 2009, Wells Fargo announced that the firm is
significantly expanding its securities business Wells Fargo
basically did no securities business. The new business at
Wells Fargo is to be called Wells Fargo Securities and will
begin offering mergeradvice, stockand bond
underwriting, loan syndications, and fixed-income trading.
Wells Fargo today has approximately 6,700 bank branches
in some 40 states. It also has more than 4,000 mortgage
and consumer finance offices nationwide and is one of the
largest residential mortgage lenders in the United States.

5. Now, the question is,
How should Wells Fargo position itself in the future?
Should it strengthen its retail presence, grow
internationally, or move into the void created by the
disappearance of investment banks?
For getting this answers of the case, we have to
study the background and present condition of
Wells Fargo.

6. Niaz Mahmud Khan
19-067

7. Company Overview
 Wells Fargo is a publicly traded company that
was founded by Henry Wells, William G. Fargo
associates on March 18, 1852
 They focused on safely transporting their
money from Nebraska to California

8. Current Situation
 Leading company based on sales, assets,
profits, and market value
 Credit ranking from Moody’s Investing
Services, Aaa
 American Banker based on assets, they
ranked 5th against all other American banks

9. Current Situation
Human Resources
• They employ over 155,000 individuals
• The Branch Customer Service Manager is
responsible for managing customer relation
• The manager must make sure the customer
gets all questions answered
• Managers analyze existing procedures and
devise new ones to increase efficiency.

10. Monjurul Ahsan
19-099

11. Current Situation
Financial Resources
• Stock market value of is over $110 billion
• This company has become the largest financial
institution on the west coast of the United States
• This company has a high cash volume of over $480
billion in assets.

12. Current Situation
Product Portfolio
• Their products include diversified financial services,
banking, consumer finance, home loans, commercial
real estate
• Their company is always conducting economic research
to better their financial market strategies.
Company Strengths
• Their strengths include high cash volume of over $480
billion in assets as well as a powerful distribution of
advantages in the Banking Industry
• They also have strong ties to several different industries
including financial services, energy, gaming, media

13. SWOT Analysis
Strengths
Size
Star/Still Expanding/Growing Market
Highly recognizable advertising campaign /
Marketing Recognition
Solid Reputation
Business Environment (open counters)

14. Md. Abdul Quyum
19-121

15. SWOT Analysis
 Weaknesses
Not International
Recession
Economy
Highly Competitive Market
Low Brand Loyalty

16. SWOT Analysis
 Opportunities
International
Ease of Use for Internet Usage
Ease of Use for Internet Usage
ATM Service
24 Hour Services

17. Md. Ripon Molla
19-123

18. SWOT Analysis
Threats
Highly Competitive Market (major)
Low Brand Loyalty in Industry (Major)
Depression (Potential)
Interest Rates (Minor)
Inflation (Minor)

19. CustomerAnalysis
CustomerDescription at Industry Level
 provides, “banking, insurance, investments,
mortgage, and consumer finance to more than
23 million customers from more than 6,100
stores and the internet
 The main thing they look at is financial history
 Wells Fargo provides financial services and
products to more than one million businesses

20. Sabuz Ahmed
19-111

21. Relevant Variables to Describe
Segment
 Age
 The level of schooling
 The amount of income coming from household
 How many people in the household

22. Several categories of Banking
industry's customers
 Young Adults
(between the ages of 18 and 25)
 New Families
(These individuals have just started a family)
 Low-Income Families
(These families have already developed
themselves as a unit)

23. Ariful Hasan Sagor
19-175

24.  Middle-Income Families
(The middle-income family looks for
improvement on their status)
 Wealthy Families
(These customers are looking for a bank that will
help them to make more money from their
money)
 Foreign Families
(These families are looking for banks that can
fulfill their language barrier needs)

25.  Seniors
(Senior may be trying to secure their retirement)
 Farmers
(Farmers are looking for a bank that knows what
they want)
 Small Businesses
(Small Businesses are looking for a bank that
can help them managing their assets and their
financial needs)

26. Ariful Hasan Sagor
19-175

27. Projected financial statements

28. Financing of acquisitions/growth
The financing of acquisition would be supported
by savings made by the automated, safe
Internet operation. As the liabilities that came
with the last acquisition have increased
workforce, process improvement needs to be
carried out to reduce the cost of operations,
therefore, increase the net income and profits.

29. Injamul Haque
Radu
19-179

30.  Raising capital and debt
(Diluting the ownership of FWC would be
providing enough assets for the bank to make
the necessary improvements)
 Strengthening market position
(In order to strengthen its market position, the
Wells Fargo Bank needs to re-position its
different services and create an image that
would attract both high profile private and
business investors)

31. Management strategies forthe years ahead forWells
Fargo
 Ensure that executive leadership support and sponsorship is
present.
 Hand-select the group’s leadership, especially the chair or co-
chair.
 Provide financial sponsorship in the form of a budget for each
group.
 Ensure that the group’s objectives are relevant and align with
the business.
 Define the group’s priorities. Launching a new group with
members who want to do too much can be overwhelming.
“Think small; do big.”
 Measure success.
 Tell the stories.

32. Thank You.....