First Financial Bankshares, Inc. (NASDAQ: FFIN) second quarter 2011 investor relations presentation. See www.ffin.com for more information about Texas-based First Financial Bankshares.
First Financial Bankshares, Inc. (NASDAQ: FFIN) second quarter 2011 investor relations presentation. See www.ffin.com for more information about Texas-based First Financial Bankshares.
This paper is a summary of press clippings gleaned from Internet during the period April to July 2008. This exercise was performed to provide a quick summary of the US credit crisis at that particular point in time / 2nd quarter 2008. The paper was presented to a non native English speaking European audience consisting primarily of insolvency judges July 3rd 2008 in Paris.
Investment banking project on Bank of America -Merrill LynchPankaj Gaurav
• Working model to serve the client
• Integrated operating model
• Lines of businesses
• Activities in global commercial banking
• Investment banking activities
• Details of advisory services in recent Deal in M&A, IPO issue
Taller desarrollo de las riss (redes integradas de servicios de salud)Mario Plaza Bórquez
Contiene información esencial para decidir la ejecución de talleres que permitan fortalecer las capacidades de liderazgo y desarrollar la RISS respectiva.
This paper is a summary of press clippings gleaned from Internet during the period April to July 2008. This exercise was performed to provide a quick summary of the US credit crisis at that particular point in time / 2nd quarter 2008. The paper was presented to a non native English speaking European audience consisting primarily of insolvency judges July 3rd 2008 in Paris.
Investment banking project on Bank of America -Merrill LynchPankaj Gaurav
• Working model to serve the client
• Integrated operating model
• Lines of businesses
• Activities in global commercial banking
• Investment banking activities
• Details of advisory services in recent Deal in M&A, IPO issue
Taller desarrollo de las riss (redes integradas de servicios de salud)Mario Plaza Bórquez
Contiene información esencial para decidir la ejecución de talleres que permitan fortalecer las capacidades de liderazgo y desarrollar la RISS respectiva.
The banking industry appears to be undergoing a renaissance driven by changing consumer behavior and technical innovation. Software is eating the industry. In retrospect, we can see how the first wave of innovation came in areas such as online account access and payments. Changing consumer behavior (such as the shift to mobile) and the use of big data has enabled increasingly complex transactions (such as lending and asset management) to move online. Consumers have largely stopped going to retail branches, and reserve the occasional branch visit for major one-off transactions.
Our first investment in the financial services industry came many years ago with an investment in LendingClub. We put both equity and debt into the company, making a sizable purchase of loans via the platform itself. We saw the company’s potential to bring marketplace dynamics and software disruption to the lending industry. The end goal for borrowers and investors on the platform was simple: lower cost loans for borrowers, increased yields for investors, and high levels of customer satisfaction. As a result, LendingClub has grown into a sizable public company. With experience on the platform and a realization of the potentially transformative nature of this model, we’ve gone on to invest in companies across the online lending space: Kabbage (www.kabbage.com), LendUp (www.lendup.com), and SoFi (www.sofi.com).
The renaissance in financial services has drawn in substantial amounts of venture capital. In the past year alone, the number of fintech deals has grown 16% and the capital funded is up 46%.
While many entrepreneurs develop expertise in the specific segment they intend to disrupt, we’ve noticed that startups usually don’t have the time or resources to look outside their niche and understand how they fit into the larger context of banking and lending markets. To help put the industry in perspective, we developed an overview of the banking industry in the US. What’s remarkable is not only the insights this gives into the financial lives of Americans (be it millenials or seniors), but also the perspective this gives us on the large banks we’ve all come to use. Indeed, consolidation over the last several decades has led the four major banks (JP Morgan, Bank of America, Citigroup, and Wells Fargo) to hold around half of the market’s depository assets.
Today we’re happy to provide the first version of this industry overview. We’ve chosen brevity over depth, so as to provide a snapshot of the overall banking landscape. We’ll continue to iterate on this overview and welcome questions and comments. In subsequent posts, we plan to provide deeper dives into sectors that are of interest to both ourselves and others. We look forward to contributing to what feels like yet another opportunity to be at the front door of history-making companies.
Bank of America’s Corporate Social Responsibility and the Occupy W.docxrock73
Bank of America’s Corporate Social Responsibility and the Occupy Wall Street Movement1
Although Bank of America invested $268.8 billion in CSR-related activities in 2010, it was a leading target for the Occupy Wall Street protestors in 2011. In the middle of the Occupy Wall Street movement, two executives were trying to figure out how to formulate CSR plans for 2012.
Cathy Benjamin,University of Texas at DallasVivian Brown,University of Texas at DallasJames Buchanon,University of Texas at DallasGrace Crane,University of Texas at DallasMichele Harkins,University of Texas at Dallas
“What do these people want from us?” Mary Turner, Global Strategy and Marketing Executive for Bank of America, looked outside her fourth floor window as Occupy Wall Street protesters marched on the sidewalk in front of the bank in October 2011. Anne was preparing to meet with Mark Smith, Global Corporate Social Responsibility (CSR) and Consumer Policy Executive, to discuss their recommendations to the board regarding 2012 CSR plans.
Public outcry demanded more and more from the bank, as it was repeatedly blamed for causing the 2008 mortgage crisis. Occupy Wall Street protesters marched with signs stating “We are the 99%” as a reminder of the distribution of wealth between the wealthiest 1% and the remainder of the population. Wealth distribution had become a growing and heated debate in 2011. The week before, a group of protestors had briefly taken over a Los Angeles branch demanding that Bank of America help resolve state budget deficits. The bank was forced to call in police to protect its customers, employees, and property. Trash recovered from a foreclosed home was dumped on the lawn of some bank executives. Consumers were being encouraged to close accounts at big banks and open accounts at credit unions. Protestors seemed to believe that corporate greed was the root cause of America’s financial crisis. This public outcry for the banks to be more socially responsible was threatening their ability to do business.
Map Resources
Bank of America’s CSR Activities
Bank of America considered itself to be a socially responsible company. Its 2010 CSR activities included investments of $268.8 billion (seeExhibit 1), including:
· $168.5 billion in community development (see Exhibit 2)
· $92 billion in small and medium-sized businesses
· $4.1 billion spent with thousands of small, medium, and diverse suppliers
· $4 billion in environmental business initiatives
· $207.9 million in philanthropy (see Exhibit 3)
· 1.3 million employee volunteer hours
Despite the challenging economic environment, the bank launched its Emergency Safety Net Strategy. The program was designed to meet pressing community needs stemming from the poor economy. It provided direct funding to enable health and human service nonprofit organizations to continue delivering health care, job training, childcare programs, shelter, hunger relief, and other services to help stabilize the communities it served. At ...
BONKMILLON Unleashes Its Bonkers Potential on Solana.pdfcoingabbar
Introducing BONKMILLON - The Most Bonkers Meme Coin Yet
Let's be real for a second – the world of meme coins can feel like a bit of a circus at times. Every other day, there's a new token promising to take you "to the moon" or offering some groundbreaking utility that'll change the game forever. But how many of them actually deliver on that hype?
Abhay Bhutada Leads Poonawalla Fincorp To Record Low NPA And Unprecedented Gr...Vighnesh Shashtri
Under the leadership of Abhay Bhutada, Poonawalla Fincorp has achieved record-low Non-Performing Assets (NPA) and witnessed unprecedented growth. Bhutada's strategic vision and effective management have significantly enhanced the company's financial health, showcasing a robust performance in the financial sector. This achievement underscores the company's resilience and ability to thrive in a competitive market, setting a new benchmark for operational excellence in the industry.
Seminar: Gender Board Diversity through Ownership NetworksGRAPE
Seminar on gender diversity spillovers through ownership networks at FAME|GRAPE. Presenting novel research. Studies in economics and management using econometrics methods.
This presentation poster infographic delves into the multifaceted impacts of globalization through the lens of Nike, a prominent global brand. It explores how globalization has reshaped Nike's supply chain, marketing strategies, and cultural influence worldwide, examining both the benefits and challenges associated with its global expansion.
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Yes of course, you can easily start mining pi network coin today and sell to legit pi vendors in the United States.
Here the what'sapp contact of my personal vendor.
+12349014282
#pi network #pi coins #legit #passive income
#US
Lecture slide titled Fraud Risk Mitigation, Webinar Lecture Delivered at the Society for West African Internal Audit Practitioners (SWAIAP) on Wednesday, November 8, 2023.
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the what'sapp information for my personal pi vendor.
+12349014282
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the what'sapp contact of my personal pi merchant to trade with.
+12349014282
1. Elemental Economics - Introduction to mining.pdfNeal Brewster
After this first you should: Understand the nature of mining; have an awareness of the industry’s boundaries, corporate structure and size; appreciation the complex motivations and objectives of the industries’ various participants; know how mineral reserves are defined and estimated, and how they evolve over time.
2. Who we are 2
Wells Fargo & Company is a diversified financial services company providing banking, insurance, investments, mortgage, and
consumer and commercial finance through more than 9,000 stores and 12,000 ATMs and the Internet (wellsfargo.com
and wachovia.com) across North America and internationally.
We’re headquartered in San Francisco, but we’re decentralized so every local Wells Fargo store is a headquarters for satisfying
all our customers’ financial needs and helping them succeed financially. One in three households in America does business
with Wells Fargo. Wells Fargo has $1.3 trillion in assets and approximately 275,000 team members across our 80+ businesses.
We ranked fourth in assets and second in market value of our stock among our U.S. peers as of June 30, 2011.
Our vision: “We want to satisfy all our customers’ financial needs and help them succeed financially.”
Reputation
FORTUNE 23rd in Revenue Among All Companies in All Industries (2011)
World’s 41st Most Admired Company (2011)
Forbes Top 20 Biggest Public Companies in the World (2011)
Brand Finance Among Top 10 Most Valuable Brands in the World (2011)
The Chronicle of Philanthropy America's Third Most Generous Cash Donor (2011)
Newsweek Among America's Top 50 Greenest Big Companies (2010)
Human Rights Campaign Perfect Score of 100 on Corporate Equality Index (2010)
DiversityInc Top 50 Companies for Diversity (2011)
Top 10 Companies for Asian Americans
Top 10 Companies for Lesbian, Gay, Bisexual, and Transgender Employees
LATINA Style Top 20 U.S. Companies for Latinas (2010)
American Customer Satisfaction Index America’s #1 Large Bank for Customer Satisfaction (2010)
Office of the Comptroller of the Currency “Outstanding” rating for Community Reinvestment Act performance (2009)
Brand Z Among the Top 20 Most Valuable Brands in the World (2011)
CIO Among the Top 100 Companies for Technology Innovations that Advance
Business Results (2011)
Workforce Diversity for Engineering & Among Top 50 Employers for Workforce Diversity (2010)
IT Professionals
Bank Technology Top Innovator for Wells Fargo Mobile and ATM services (2011)
News/American Banker
Global Finance Magazine Best Consumer and Corporate/Institutional Internet Banks in the United States. (2011)
3. One of North America’s most extensive financial services network 3
#1 in U.S. • Banking stores (Wells Fargo and Wachovia stores in 39 states & D.C.)
• Total stores (Wells Fargo and Wachovia stores) Key facts* as 0f 6/30/11
• Small business lender (U.S. in dollars per 2009 Community Assets $1.3 trillion
Reinvestment Act government data)
Team members
• SBA 7(a) lender in dollars (2010 Small Business Administration
Approximately
275,000
federal fiscal year-end data)
• Retail mortgage lender (Q1 2011, Inside Mortgage Finance, May 2011) Customers 70 million
• Home loan originator to minority consumers & low-to-moderate-
Stores More than 9,000
income neighborhoods (2010 HMDA data)
• Used car lender* ATMs 12,228
• Trustee for Student Loan Securitizations (Thomson Reuters Market Value $148.1 billion
and AB Alert) of Stock
• Trustee for GNMA Securitizations (Government National
* Includes Wells Fargo and Wachovia
Mortgage Association)
• Bond administrator for Residential MBS (Asset Backed Alert)
• Bond administrator for Commercial MBS (Commercial Mortgage Alert)
• Market share for middle market** companies (2010 Middle Market Survey, Greenwich Associates)
• Agribusiness Lender (FDIC)
• Crop Insurance provider (U.S. Government Data)
• Global Financial Institution in overall institutional Satisfaction (FImetrix)
• World’s Best Treasury & Cash Management Providers 2011(Global Finance magazine)
• Reputation as a leader in treasury management (2010 Middle Market Survey, Greenwich Associates)
• Treasury management specialist’s level of product knowledge (2010 Middle Market Survey, Greenwich Associates)
• Treasury management specialist’s counsel and guidance (2010 Middle Market Survey, Greenwich Associates)
• Trade Bank in the U.S.A. (Trade Finance magazine Awards for Excellence, 2011)
• Trade outsourcing bank in Asia-Pacific (GTR Asia Leaders in Trade Awards, 2011)
• Bank for payments and collections (Global Finance magazine, 2010)
• Large transfer agent in overall satisfaction (Stockholder Consulting Services)
• Large Corporate Quality Index – Most A+ grades of any bank (Phoenix-Hecht)
#2 in U.S. • Debit card issuer (Nilson Report #970)
• Mortgage servicer (Q1 2011, Inside Mortgage Finance, May 2011)
• Auto finance lender*
• Provider of private student loans
• Trustee for Asset Backed Securitizations (Asset Backed Alert)
• Trustee for Delaware Statutory Trusts (Delaware Division of Corporations)
• Trustee for High Yield debt (Thomson Financial)
• Trustee for Single Family Housing (Thomson Reuters)
• Annuity distributor, based on sales (2011 Sun Life Distributor Roundtable Survey, April 2011)
• In market share for primary global correspondent bank relationships (FImetrix)
• Bookrunner of asset-based loans ( Thomson Reuters, June 2011 )
4. One of North America’s most extensive financial services network 4
#3 in U.S. • Branded bank ATM owner (12,228 Wells Fargo and Wachovia ATMs)
• Full-service retail brokerage provider based on number of Financial Advisors
(Q2 2011 company and competitor reports)
#4 in U.S. • Wealth management provider, based on assets under management of accounts greater than $5 million
(Barron’s, September 2010)
• In U.S. largest equipment finance provider by assets (Monitor 100-2011 industry ranking)
#5 in U.S. • IRA provider, based on assets as of Q3 2010 (Cerulli Associates)
• Family wealth provider, based on assets (Family Wealth Alliance, LLC, 2010)
• Equity Research team stock picking (Wall Street Journal, 2011)
• Fixed Income Research team ranking (Institutional Investor, 2010)
#6 in U.S. • Institutional retirement plan recordkeeper, based on assets (2011 Recordkeeping Survey PLANSPONSOR
Magazine, June 2011)
#7 in U.S. • Credit card issuer (Nilson Report #966)
Social Responsibility
Contributions
We want to help all of our customers succeed financially and create
long-term economic growth and quality of life for everyone in our Arts and Culture – 8%
communities. We promote economic development and self-suffi- Civic – 6%
ciency through community development, financial education, cash
Community – 28%
contributions, affordable housing, environmental stewardship, and Development
through the efforts of our enthusiastic team member volunteers.
Education – 30%
In 2010, Wells Fargo invested $219 million in 19,000 nonprofits
Environmental – 2%
nationwide, surpassing $200 million for the third consecutive year.
Human Services – 25%
Through June 30, 2011 Wells Fargo has contributed $91 million to
9,500 nonprofits. Our success comes from a time-tested formula: Other – 1%
local people making local decisions because they know best what
their communities need..
In 2010, Wells Fargo invested:
• $32 million in grants to nonprofits supporting homeownership, including construction of affordable housing, home buyer
education and counseling, down-payment assistance, and home repairs.
• $2.3 billion in CRA qualified community development loans and investments in projects that support affordable housing,
community services, economic development, revitalization, and stabilization.
• $66.4 million in 8,000 educational programs and schools around the U.S., and $17.2 million in matched educational donations
from team members.
• $621 million spent with certified minority-, women-, and disadvantaged-owned business enterprises, a 5% increase over 2009.
• 1.3 million team member hours; team members contributed a record $55.3 million through year-round donations to nonprof
its and the Community Support and United Way Campaign.
• $1.4 billion in environmental loans and investments; $750 million to LEED certified commercial buildings and community
development projects.
Additional information about our achievements in social responsibility is available at: https://www.wellsfargo.com/about/csr/.
*Source: AutoCount July 2010-June 2011 excluding leases.
AutoCount data available for all states except: CO, DC, DE, NM, OK, RI, WY.
**Defined as percentage of companies with revenues of $25-500 MM citing Wells Fargo as their lead banking provider)
