Welcome to Bank of America 美国银行简介.ppt

welcometobankofamerica,chenchao,ba0901,contents,bankofamericaprofilebankofamericabusinesssituationorganizationandmanagementmodebankofamericaenterpriseculturebankofamericathebankonthenettheservicecharacteristicsofbankofamericabankofamericadynamicnews,bankofamericaprofile,inaugust,2002,thefirstbigbankamericanbankofamerica(bank-americacorporation,fullnameistheamericannationaltrustsavingsbank,hereinafterreferredtoasbankofamerica)inthechinesemainlandchineseregisteredamericanbankofamericaofficiallychangedtobankofamerica.fromnowonthebankintheglobalunifiedusethiseverybodyelse.atthesametime,thebankslegalstatusanditsenglishnameremainunchanged.bankofamericaexplainthecause,bankofamericasaidinbeijingin1981toopenthefirstrepresentativeoffice,itwasworriedaboutthepublicmaymistakebankofamericafortheu.s.centralbank,sousethebankofamericathechinesename.nowrevertedtobankofamericawillnolongerhavetoambiguity.bankofamericaiscaliforniaasinglebankconsortiumcontrolholdingcompany.foundedinoctober7,1968.headquarteredinsanfrancisco.,on1april1969,bankofamericabecamethecompanyssubsidiaryofbankofamerica,allfortheequitycontrol.bankofamericaisthepredecessorin1904bytheitalianimmigrantsitalianbankwasfounded.mainbusinessearlypacificcoaststateofitalianimmigrantsbusinessofstorage,absorbedgraduallylowerclassesafterthedeposits,andsmallandmedium-sizedenterprisestoprovidemortgageandissuingofconsumercredit,businessdevelopedrapidly.inthe1920s,theitalianbankhasbecomethelargestbankinthewesternunitedstates.onmarch1,1927,thebankofitalytothenationaltrustsavingsbanknamemadenationalbanklicense.in1929,californiaandbankofamerica,thenationaltrustamericamergernamesavingsbank.twolinesafterthemergerstrengthincreasing.thesecondworldwar,californiaistheimportantarmsproductioncenter,wartobankofamericabringhugeprofits.afterthewar,californiabecometheplane,missiles,therocketsandspaceweaponsindustry,themainproductionbaseforbankofamericasfinancialactivitiesprovidedextremelyadvantageouscondition,speedupthebanksexpansion.forstrengtheningcompetition,bankofamericafromtheserviceareasandactivelyexpandthebusinessmarketdiversificationaspects,absorbsthedomesticandforeigndeposits,andstronglytoforeignexpansion,assetsfurtherexpand.thebankofthepropertyanddeposit,long-termtocommercialbanksintheunitedstatesareaccountedforthefirstuntil1980,citigroup,pushedbymorethanthesecond.,bankofamericaistheemergingpost-warcaliforniaconsortiumfinancialcore.inordertoadapttothecompetitionanddevelopmentneeds,inapril1969establishedasinglebankholdingcompany-bankofamericacorporation.bankofamericaandbankofamerica,isthesupremeauthorityofthetwocommonestablishedaboardofdirectors.theboardofdirectorshasexecution,auditandcheck,comprehensivetrust,publicpolicy,employeebenefitaudit,personnelworkingremunerationexecution,nominationscommittee.bankofamericaandtheirmanagementcommitteeandmanagementconsultantscouncil.bytheendof1982,bankofamericainthedomesticandforeignbranchhas1204,affiliatesandleaguebranchagenciesabout800,inadditioninforeignandcompanybankspecializingintheorgnaizationofbusinessof27andrepresentativeoffices.overseasinstitutionsin77countriesandregions.,bankofamericaforuniversalprimaryfinancialservicesonefortheunitedstates,thesecondlargestbank,iscommittedtoprovidingchock-fullofpersonalandcommercialbankingservices,andprovidesservicesintheunitedstatesthe21states,thedistrictofcolumbiaandover30countries,forasmanyasthirty-threemillionfamiliesandtwomillionfivehundredthousandcommercialcustomerswiththemosthigh-qualityperfectbankingservices.intheunitedstates,theunitedstateshasafivethousandeighthundredthebankbranchesandmorethansixteenthousandintheautomatictellermachines,toprovidecomprehensiveservice.thisenterpriseduringthe2007fortuneglobalcompaniesfivelargestlistatnumber,21intheweeklybarronpublishedinthe2006annualglobal100bigcompaniesrespectedamongthelistof33.,bankofamericabusinesssituation,mainbusinessactivitiesintothreemost:1,retailbankingbusiness.mainbusinessisfortheindividual,theenterpriseofbusinessofstorage,keyincalifornia;2,internationalbusiness;3,otherfinancialbusiness,mainlyincluding:totheconsumerthefinancialservices,lease,venturecapital,travelerschecks,mortgageandconsumercreditinsurance,etc.bankofamericacompanyfundsusemainisissuingcreditathomeandabroad.domesticlendingbusinessloans,mainlyincludingagriculturalloans,realestateloans,consumercreditandotherloans.onforeignloansismainlytotheforeigngovernmentandtheofficialorganizationsloans,inter-bankloansandotherfinancialinstitutionstotheloans,commercialandindustrialloans,etc.thecompanyfundsuseofanotherchannelisthesecuritiesinvestmentandsecuritieslending.themaininvestmentfromthefederalgovernment,federalagenciesandstateandlocalgovernmentbonds.thecompanysrentalbusinessisdevelopingfast,butalsopayattentiontodevelopmenttrustbusiness.bankofamerica,asits,thebusinessincomeof85%fromtheunitedstates.bankofamericahasthelargestnationalretailnetworkserviceinapersonalcustomersandsmallenterprise,therearemorethan5700retailbankoffice.morethan17000ofatmmachinesandhas21millionusersofthebankonthenet,itsgiantbranchnetworkcoversalmostallthebigcitiesofthepopulation.,bankofamericaoramericassmallbusinesscreditbankandleadingtotheminorityofopensmallenterpriseprovideloanstobanks,andalmostalloftheunitedstatesandfortune500enterprisesand80%oftheworldstop500enterprisestoestablishabusinessrelationship.inrecentyears,bankofamericaononehandinthenationwideestablishedanddeveloped1millionhundredsofthousandsofmillionsofarguesrelations;ontheotherhand,throughseverallarge-scalemergerrealizedthefastexpansion:2004mergerfuturabostonfinancialcompany,andinjune,2005,thecontributionofthechinaconstructionbank,30june2005$35billionacquisitionoftheworldslargestindependentcreditcardissuer-theunitedstatesbelievebank(mbna).bankofamericawillcorebusinessisdividedintofourbasicbusinessunit:individualsandsmallbusinesses,largecompanybusinesswiththeorganizationoffinancialservices,capitalmarketandinvestmentbank,wealthandinvestmentmanagementbusiness.amongthem,theindividualandsmallbusinessesthatretailbusinessunitisbusinessbankofamericasbiggestprofitapart.bankofamericaareengagedinbusinessbasicallycanbestandardized.andotherbankbusinesschooseaverydifferentis,andespeciallyitsrivalcitigroup,bankofamericaisnotadvocatedtopersonalizedbusiness,becauseitthinks,althoughpersonalizedbusinesscanbringgreatrewards,buttheriskisalsohuge.,organizationandmanagementmode,bankofamericaownsarunofgoodorganizationandmanagementmode.firstfromthewholestructurelook,inadditiontotheabovefourblockthecorebusiness,bankofamericaalsohastechnology,risk,strategicplanning,personnel,marketing,productdevelopmentandquality,financeandothersevensupportdepartment.thedivisionofresponsibilitiestodepartmentsandbusinessasaunit,eachbusinessunitadoptsverticalmanagement;secondly,bankofamericaintheheadofficeofeachlevel,underdoesnothaveacomprehensiveacentralizedmanagementinstitutions,butbyeachbusinessunitoraccordingtothecircumstancesofeachteamset,eachotherandnotmutuallymembershipbutcooperativerelationship.forexample,iscalledtheshop(store)bankofamericaofalinenetworkbelongingtoindividualsandsmallbusinessesupunit,namelytheretailbusinessunit;third,bankofamericaatalllevelsofhighlyefficientmanagementteam.eachlayerofthepersoninchargeofthemanagementteamisnotsetup,or,rather,thedeputydirectlysubordinateeachteamisdeputydirectorofthe.sixsigmamanagementmodewasoriginallyaproductqualitycontrolprogram,andnowhasasystemoftheevolutionofthebusinessimprovementmethodsystem,designedtocontinuousimprovementoftheenterprisebusinessflow,realizecustomersatisfaction.bankofamericawiththewaystoimprovethecost,service,salesandevenwithallaspectsoftheintegrationandalltheprocess.beginfrom2001,throughthreeyearsspendingandincreaserevenue,bankofamericasprofitgrowthtensofbillionsofdollars,andcustomersatisfactionrapidascension.,bankofamericaenterpriseculture,constructionbankofamericathatnotonlyisthebank,themorethatheissocialbuildersandcustomersneighbors,friends,withtheseconceptstostresstheyengagedinisnotonlydealingwithmoney,butalsointheworkofhelpingothersandsocialachievehighergoals.withsuchpositioning,bankofamericasetupagoodpublicimage.higherstandardsbankofamericaistheenterpriseslogan.thissimpledistinctsloganandbankofamericausuallyoccurtogether,inthenameoftheemployeecard,licensing,inplaceofoutletsmarkedplaceinavarietyofpublicitymaterials,eventhough,inthebackgroundofthelargeconferenceonthewall,areallredlogo,makehigherstandardsthisideathoroughpopularfeeling.bankofamericaadvertisedgoalistoletitsbrandlikeapplecomputerandnikesneakersaswidelyknown.therefore,andusuallythinkthebankbrandadvertisingwithouttraditionofdifferent,bankofamericasinceseptember2000intelevision,newspapers,magazinesandradioonthetotalvalueofus$100million,lastmorethanayearofadvertising.bankofamericaalsothroughthevariousplanemedia,outdooradvertisingcampaign,especiallyinsomeimportantareaatinvestment,placewontheidealeffect.,bankofamericathebankonthenet,bankofamericaonlinebankingonlinefinancialservicesistheleaderofthebusinessofthebankonthenet,thewonworldwiderecognition.bankofamericahastheworldslargestonlineregisteredusers,andwonthetopfinancialmagazineforthemanyawards.bankofamericaonlinebankprovideservicecolumnsquiterich,eachsectionofthebranchisalsoverydetailedcolumns.onlinebankingservicesincludepersonalfinancialservices,smallbusinessfinancialservicesandcompaniesandinstitutionssuchasfinancialservices.inpersonalfinancialservices,bankofamericaprovideonlinefinancialproductsincludethebasicpersonalfinancemostofthetraditionalbusinessbusiness,itstraditionalbusinessisinfactintheextensionoftheinternet.bankofamericaonlinebankprovidepersonalfinancialservicesmainlyincludes:thesavingsdepositbusinessisdividedintotwoparts,oneisthebasicbusinesssavings.includescheckingaccounts,savings,thelargeamountofdeposit,suchasindividualretirementaccountservices;2itiscreditcardservice.becausetheusbankingcompetitionisintense,bankofamericaonlinebankinginthemainbusinessandothercommercialbanksdifference.buttheireffortstoopenupnewservicevarieties,oneofthemostcharacteristicserviceisdepositgoalandvarietiesself-helpbank.,depositgoalistohelpthecustomerserviceisformulatedsavingsplan,suchastoprovideeducation,marriage,buyahouse,retirement,vacation,financingandsixamericansmainexpendituresavingsplanservices.loansandcredittheserviceatotalmortgage(mortgages),creditcard(creditcard)andconsumercredit(consumerandhomeequityloans),threeservicesproducts.amongthem,themortgageserviceistopointtobankofamericaprovideforthecustomerbuysahouseassistant(purchase)andtoraisefunds(refinance)twobusiness;creditcardserviceforbankofamericaisissuedcreditcardforthedescriptionofthesystemandintroduces,atthesametimefordifferentkindsofcreditcardtermsintroductionandanalysisofthecontent;consumerloanmainlyincludescarloans,mortgages,mortgages,personalcreditfacilities,andstudentloansandsoonmanybusiness.ingeneral,thecustomerwhentoapplyforconsumerloans,needtobethroughthetelephoneandothermeanstobankofamericacustomersservicecentercontact,andthenyoucanoperate.theinvestmentbankofamericaindividualcustomerserviceinvestmentbybankofamericainvestmentservicecompany(bankofamericainvestmentservicesinc.)tooperate,itprovidesinvestorswithinvestmentmanagementandfinancialconsultingservices.inordertoletinvestorsfasterknowthemarketsituation,investmentserviceprojectalsoproviderelevantdailyeconomicandfinancialanalysis,mainlyincluding:discountbrokerageservices(discountbrokerageservices),andpersonalinvestmentadvisoryservices(personalinvestmentconsultingservices),cashmanagementaccount(moneymanageraccount)andmutualfundinformation(mutualfundinformation),etc.,professionalfinancialservicesprofessionalfinancialservicesisbankofamericathemostcharacteristicofthebankonthenet,thebusinessofbusinessaccordingtothecustomersdifferentneeds,designmeetdifferentneedsofthecustomerserviceproductmix,soastoenhancethecustomerdealwiththefinancialbusinessefficiency.professionalfinancialservicesmainlyincludessevenspecificservicevarieties:privatebank(privatebank),basicfinancialservices(premierbanking),studentfinancialservices(studentbanking),electronicpurse(e-wallet),militarybank(militarybank),professionalafricanamericansbank(professionalafricanamericanbankinggroup),americaasiafinancialservices(u.s.-asiabanking),etc.insuranceofinsurancebusinessbankofamericabybankofamericainsuranceservicecompany(bankofamericainsuranceservicesinc.)tooperate,insuranceserviceproductsaretwospecificcontent,namelylifeinsurance(lifeinsurance)andcarinsurance(automobileinsurance).theprojectmainlyincludesinformationservicepersonalfinancialplanningtool(personalplanningtools),marketresearchandevaluation(marketresearchalsocultivatecustomerloyalty,loyalty,bankofamericalaterwillearnalotofincome.bankofamericatoretailbankinahugesuccess,andittoexploititssizehasverygoodlocationwithagreatrelationship.intheu.s.suchapeoplearemovingcountry,itwidelyretailnetworkmakecustomersthroughthewholecountryevenalsoneednotchangetheirbank,nodoubtforbankofamericawontheracetothemarkettheinitiat;atthesametime,bankofamericaadvancedonlinebankingfortheageoftheinternettoprovidepeopletheconvenientandfastfinancialservice,thisalsoisbankofamericaretailbankingmarketsuccessoccupytheimportantreasons.inthefinalanalysis,therapiddevelopmentofbankofamericaandsustainedprofitsfromitcansatisfytheneedsofcustomers,alsojustasitcameastheproductname,shatteredhasalwayskeptthechange,thusbecomeaworld-famousretailbankpilot.,bankofamericadynamicnews,inordertospendatthemomentthesweepthroughtheusfinancialstorm,has94yearsofhistoryofmerrilllynch(merrilllynch&co.)sundaynightagreedtothepriceofabout$44billiontosellitselftobankofamerica(bankofamericacorp.).bothsidesafter48hoursafterthenegotiationofafierce,thedealmaybeinstantlytoreshapeamericanbankingpattern,letusbankthefinancialgiantsmuchlarger.thetwocompanies,theboardofdirectorsofthecompanysaidsundaynightapprovedthedeal.transactionswillbedeliveredshareholdersandthegovernmentsup