Welcome to Bank of America 美国银行简介.ppt
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1、Welcome to Bank of America,Chen chao,BA 0901,Contents,Bank of America profile Bank of America business situation Organization and management mode Bank of America enterprise culture Bank of America the bank on the net The service characteristics of bank of America Bank of America dynamic news,Bank of
2、 America profile,In August,2002,the first big Bank American Bank of America(Bank-America Corporation,full name is the American national trust savings Bank,hereinafter referred to as Bank of America)in the Chinese mainland Chinese registered American Bank of America officially changed to Bank of Amer
3、ica.From now on the bank in the global unified use this everybody else.At the same time,the banks legal status and its English name remain unchanged.Bank of America explain the cause,bank of America said in Beijing in 1981 to open the first representative office,it was worried about the public may m
4、istake bank of America for the U.S.central bank,so use the bank of America the Chinese name.Now reverted to bank of America will no longer have to ambiguity.Bank of America is California a single bank consortium control holding company.Founded in October 7,1968.Headquartered in San Francisco.,On 1 A
5、pril 1969,bank of America became the companys subsidiary of bank of America,all for the equity control.Bank of America is the predecessor in 1904 by the Italian immigrants Italian bank was founded.Main business early Pacific coast state of Italian immigrants business of storage,absorbed gradually lo
6、wer classes after the deposits,and small and medium-sized enterprises to provide mortgage and issuing of consumer credit,business developed rapidly.In the 1920 s,the Italian bank has become the largest bank in the western United States.On March 1,1927,the bank of Italy to the national trust savings
7、bank name made national bank license.In 1929,California and bank of America,the national trust America merger name savings bank.Two lines after the merger strength increasing.The second world war,California is the important arms production center,war to bank of America bring huge profits.After the w
8、ar,California become the plane,missiles,the rockets and space weapons industry,the main production base for bank of Americas financial activities provided extremely advantageous condition,speed up the banks expansion.For strengthening competition,bank of America from the service areas and actively e
9、xpand the business market diversification aspects,absorbs the domestic and foreign deposits,and strongly to foreign expansion,assets further expand.The bank of the property and deposit,long-term to commercial Banks in the United States are accounted for the first until 1980,citigroup,pushed by more
10、than the second.,Bank of America is the emerging post-war California consortium financial core.In order to adapt to the competition and development needs,in April 1969 established a single bank holding company-bank of America corporation.Bank of America and bank of America,is the supreme authority o
11、f the two common established a board of directors.The board of directors has execution,audit and check,comprehensive trust,public policy,employee benefit audit,personnel working remuneration execution,nominations committee.Bank of America and their management committee and management consultants cou
12、ncil.By the end of 1982,bank of America in the domestic and foreign branch has 1204,affiliates and league branch agencies about 800,in addition in foreign and company bank specializing in the orgnaization of business of 27 and representative offices.Overseas institutions in 77 countries and regions.
13、,Bank of America for universal primary financial services one for the United States,the second largest bank,is committed to providing chock-full of personal and commercial banking services,and provides services in the United States the 21 states,the district of Columbia and over 30 countries,for as
14、many as thirty-three million families and two million five hundred thousand commercial customers with the most high-quality perfect banking services.In the United States,the United States has a five thousand eight hundred the bank branches and more than sixteen thousand in the automatic teller machi
15、nes,to provide comprehensive service.This enterprise during the 2007 fortune global companies five largest list at number,21 in the weekly barron published in the 2006 annual global 100 big companies respected among the list of 33.,Bank of America business situation,Main business activities into thr
16、ee most:1,retail banking business.Main business is for the individual,the enterprise of business of storage,key in California;2,international business;3,other financial business,mainly including:to the consumer the financial services,lease,venture capital,travelers checks,mortgage and consumer credi
17、t insurance,etc.Bank of America company funds use main is issuing credit at home and abroad.Domestic lending business loans,mainly including agricultural loans,real estate loans,consumer credit and other loans.On foreign loans is mainly to the foreign government and the official organizations loans,
18、inter-bank loans and other financial institutions to the loans,commercial and industrial loans,etc.The company funds use of another channel is the securities investment and securities lending.The main investment from the federal government,federal agencies and state and local government bonds.The co
19、mpanys rental business is developing fast,but also pay attention to development trust business.Bank of America,as its,the business income of 85%from the United States.Bank of America has the largest national retail network service in a personal customers and small enterprise,there are more than 5700
20、 retail bank office.More than 17000 of ATM machines and has 21 million users of the bank on the net,its giant branch network covers almost all the big cities of the population.,Bank of America or Americas small business credit bank and leading to the minority of open small enterprise provide loans t
21、o Banks,and almost all of the United States and fortune 500 enterprises and 80%of the worlds top 500 enterprises to establish a business relationship.In recent years,bank of America on one hand in the nationwide established and developed 1 million hundreds of thousands of millions of argues relation
22、s;On the other hand,through several large-scale merger realized the fast expansion:2004 merger futura Boston financial company,and in June,2005,the contribution of the China construction bank,30 June 2005$35 billion acquisition of the worlds largest independent credit card issuer-the United States b
23、elieve bank(MBNA).Bank of America will core business is divided into four basic business unit:individuals and small businesses,large company business with the organization of financial services,capital market and investment bank,wealth and investment management business.Among them,the individual and
24、 small businesses that retail business unit is business bank of Americas biggest profit a part.Bank of America are engaged in business basically can be standardized.And other bank business choose a very different is,and especially its rival citigroup,bank of America is not advocated to personalized
25、business,because it thinks,although personalized business can bring great rewards,but the risk is also huge.,Organization and management mode,Bank of America owns a run of good organization and management mode.First from the whole structure look,in addition to the above four block the core business,
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