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Wells Fargo & The Financial Services Industry Don Collins, Vice President and Business Banking Manager Tressa Stadel, Vice President and Sr. Relationship.

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Presentation on theme: "Wells Fargo & The Financial Services Industry Don Collins, Vice President and Business Banking Manager Tressa Stadel, Vice President and Sr. Relationship."— Presentation transcript:

1 Wells Fargo & The Financial Services Industry Don Collins, Vice President and Business Banking Manager Tressa Stadel, Vice President and Sr. Relationship Manager Central Washington University February 23, 2012

2 11 Topics to Discuss Who is Wells Fargo Current events in the financial services industry Trends and innovation in the industry Commercial lending topics

3 22 Who is Wells Fargo? Diversified financial services company with over 80 lines of business $1.3 trillion in assets 270,000 team members 9,000 stores across the country #1 SBA lender and first lender to lend over $1 billion in SBA #1 agriculture lender in the US

4 33 Current Events Regulatory Reform Economic growth Loan demand

5 44 Innovation in the Industry Check 21 Mobile Services Payment Services

6 55 Check 21 How did 9/11 impact the financial services industry? How do checks clear now? What are the future implications?

7 66 Mobile Services 7.2 million customers use our mobile banking services Customers can transmit wires, approve positive pay etc E-receipts

8 77 Payment Shift Clients can now transfer money between banks with mobile devices Businesses are using electronic payments to transmit money Internal controls are important with electronic payments What are the future implications?

9 88 Key Lending Issues- The 5 Cs Capacity Conditions Capital Collateral Character

10 99 Borrowing Causes Increase in current assets due to sales growth Increase in current assets due to declining asset efficiency Change in trade terms Decrease in net worth Capital expenditure

11 10 Questions? © 2012 Wells Fargo Bank, N.A. All rights reserved. For public use.


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