Urban financial services coalition 34 th annual national conference
Download
1 / 45

Urban Financial Services Coalition 34 th Annual National Conference - PowerPoint PPT Presentation


  • 89 Views
  • Uploaded on

Urban Financial Services Coalition 34 th Annual National Conference. Richard K. Davis Chairman, President and CEO June 19, 2008. Welcome!. Welcome!. The Land of 10,000 Lakes …. … is also The Land of Almost 10,000 U.S. Bank Employees!. U.S. Bancorp in Minnesota. Employees: 9,873

loader
I am the owner, or an agent authorized to act on behalf of the owner, of the copyrighted work described.
capcha
Download Presentation

PowerPoint Slideshow about ' Urban Financial Services Coalition 34 th Annual National Conference' - ita


An Image/Link below is provided (as is) to download presentation

Download Policy: Content on the Website is provided to you AS IS for your information and personal use and may not be sold / licensed / shared on other websites without getting consent from its author.While downloading, if for some reason you are not able to download a presentation, the publisher may have deleted the file from their server.


- - - - - - - - - - - - - - - - - - - - - - - - - - E N D - - - - - - - - - - - - - - - - - - - - - - - - - -
Presentation Transcript
Urban financial services coalition 34 th annual national conference

Urban Financial Services Coalition 34th Annual National Conference

Richard K. Davis

Chairman, President and CEO

June 19, 2008



Welcome
Welcome!

The Land of 10,000 Lakes …

… is also The Land of Almost 10,000 U.S. Bank Employees!


U s bancorp in minnesota
U.S. Bancorp in Minnesota

  • Employees: 9,873

  • Statewide market share in deposits: 17.54%

  • Branded ATMs: 580

  • Branches: 129

  • Private Client Group offices: 7

  • U.S. Bank Home Mortgage offices: 4

  • U.S. Bank Equipment Finance offices: 3

Minnesota is also home to the Energy Park Operations Center, 24-Hour Banking Center, Commercial Customer Service and Processing Site.


We re number one
We’re Number One!

  • U.S. Bancorp is the largest financial institution headquartered in Minnesota.

  • U.S. Bancorp is the largest market value institution in Minnesota.*

*As of 12/31/07


U s bancorp in america

Regional

Consumer and Business Banking

Wealth Management

National

Wholesale BankingTrust Services

Global

Payments

U.S. Bancorp in America

1Q08 Dimensions

  • Asset Size (#6) $242 billion

  • Deposits $138 billion

  • Loans $158 billion

  • Customers 14.9 million

  • NYSE Traded USB

  • Market Capitalization* (#5) $58 billion

  • Founded 1863

  • Bank Branches 2,522

  • ATMs 4,844

* Market Value as of May 9, 2008


YTD Total

Shareholder

Return = -4.4%


Destination

Success!


Banking industry today
Banking Industry Today

  • Strong

  • Healthy

  • Vibrant


Banking industry today1
Banking Industry Today

  • Strong?

  • Healthy?

  • Vibrant?


Confidence

Economy

Banking

Industry

Customers

Business



Key indicators in the banking industry
Key Indicators in the Banking Industry

  • ROA and ROE

  • Loan growth

  • Diversified revenue streams

  • Capital positions

  • Total shareholder return

  • Credit Quality


Banking industry current environment
Banking Industry Current Environment:

Key Industry Concerns Related to Sub-Prime

  • Write-downs and losses related to residential mortgage market continue

  • Credit deterioration may extendinto Commercial and Commercial Real Estate

  • Business models impaired – potential revenue impacts

  • Capital levels

  • Liquidity


Changes in industry
Changes in Industry

  • Consolidation

  • Growth in size and geographic scope

  • Expansion of activities

  • New products and services

  • Greater use of technology

  • Global competition

  • Non-traditional competition

  • Market Risk



Turbulence
Turbulence

  • Feb 2007 HSBC Sub-Prime Problems

  • Q1 2007 Focus on Sub-Prime (on Balance Sheet)

  • Q2 2007 Secondary Market Slows CDO / Liquidity “Freeze”

  • Q3 2007 Impact Extended – MM Funds Investment Portfolios Sponsors Impacted

  • Q4 2007 Balance Sheet Transfers


Turbulence1
Turbulence

  • Q1 2008 Commercial Real Estate Weakens

  • Q1 2008 Monoline Stress (MBIA, AMBAC)

  • Q1 2008 Bear Sterns Collapse

  • Q2 2008 Capital Concerns

  • Q2 2008 Sovereign and Domestic Equity Injections

  • Q2 2008 Dividend Impairment

  • Q2 2008 Loan Losses


The

Word


Where's the

Leadership

?


Banking is
Banking Is…

For-Profit

Business


Economy

Confidence

Banking

Industry

Customers

Business

DOING WHAT IS RIGHT!


Banking

Industry

DOING WHAT IS RIGHT!



SBA Lending

Shareholder Commitment

Operation Hope

Sustainability

Student Lending

CRA Focus

Just Us Kids

Loan Forbearance

DOING WHAT IS RIGHT!




Destination success
Destination Success

Transforming

Empowering

Inspiring


Destination success1
Destination Success

Transforming

Empowering

Inspiring



Transforming1
Transforming

“Try not be become of man of success, but rather try to become a man of value.”

- Albert Einstein


Destination success2
Destination Success

Transforming

Empowering

Inspiring


Empowering
Empowering

“If you aren’t fired with enthusiasm, you’ll be fired with enthusiasm.”

- Vince Lombardi


Empowering1
Empowering

Don’t measure yourself by how hard you work; measure yourself by how much you get done.


Destination success3
Destination Success

Transforming

Empowering

Inspiring


Inspiring
Inspiring

Be Astonishing!


Inspiring1
Inspiring

“If anything goes bad, I did it. If anything goes semi-good, we did it. If anything goes real good, then you did it. That’s all it takes to get people to win football games for you.”

- Paul “Bear” Bryant


A leader

Leads with Integrity

Displays trust and ethics

Inspires trust and confidence

Demonstrates maturity and resilience

Shapes the Future

Establishes and executes strategy and vision

Leverages technical and financial expertise

Develops Others

Recruits and develops talent

Communicates with impact

Drives to Succeed

Drives for results

Is decisive and uses discernment

Manages execution

Focuses on the customer

A Leader…


Where's the

Leadership

?


Leadership

=

Urban Financial

Services Coalition


Leadership

212º

Leadership


Destination

Success!


ad