4th Quarter 2015
Quarterly Fact Sheet
Wells Fargo Today
Under a gray sky, more than a dozen Wells Fargo team members planted beans, zucchini, carrots, and other vegetables in West Des Moines, Iowa. Teams and
individuals volunteered at the garden from May through October 2015 and the produce — more than 450 pounds — was donated to the Des Moines Area
Religious Council, a nonprofit food warehouse that supplies 14 food pantries across central Iowa.
© 2016 Wells Fargo Bank, N.A. All rights reserved.
We’re strong for our customers and communities
Wells Fargo & Company (NYSE: WFC) is a nationwide, diversified financial services company with $1.8 trillion in assets. Founded
in 1852, Wells Fargo provides banking, insurance, investments, mortgage, and consumer and commercial financial services
through 8,700 locations, 13,000 ATMs, online (wellsfargo.com), and mobile devices.
We’re headquartered in San Francisco, but we’re decentralized so every local Wells Fargo store is a headquarters for satisfying
our customers’ financial needs and helping them succeed financially. We do business with 70 million customers and one in
three U.S. households. Wells Fargo has approximately 265,000 team members in 36 countries across our more than 90 businesses.
At the end of fourth quarter 2015, Wells Fargo ranked third in assets among U.S. banks and was the world’s most valuable bank by
market capitalization. In 2015, Wells Fargo was named “Most Respected Bank” by Barron’s magazine, “Most Admired” among the
world’s largest banks by Fortune magazine, and “Best U.S. Bank” by The Banker magazine.
Our vision: “We want to satisfy our customers’ financial needs and help them succeed financially.”
Company
Brand
3rd
Total Deposits (2015) FDIC data
2015 CEO of the Year
Morningstar, Inc.
7th
Most Respected Company in the
World (2015) Barron’s
Best Global and U.S. Bank of
the Year (2015)
The Banker magazine
10th
Biggest Public Company in the
World* (2015) Forbes
Best Bank in the U.S.
(2012–2015)
Euromoney
22nd
Most Admired Company in the
World (2015) Fortune
Best Trade Finance Bank in
the U.S. (2014–2016)
Global Finance magazine
30th
Biggest Company by Revenue in
the U.S. (2015) Fortune
Best Trade Finance Bank in
North America (2016)
Global Finance magazine
Distinguished Provider for
Global Transaction Services
(2013–2015) 2015 FImetrix
Global Stats
Most Valuable Bank Brand in
the World (2013–2015)
Brand Finance®
Best Bank for Payments and
Collections (North America)
(2010–2015) Global Finance
magazine
#1 in Overall Institutional Satis­
faction among Global Financial
Institutions (2012–2015)
2015 FImetrix Global Stats
*Based on sales, profits, assets, and market value.
Innovation Leadership
Best Mobile Solution (World’s
Best Treasury & Cash Manage­
ment Providers, 2015)
Global Finance magazine
Gold for retail banking mobile
performance (2014) Compu­
ware Best of the Web
Best Digital Bank in North
America (World’s Best Corpo­
rate/Institutional
Digital Banks Global, 2015)
Global Finance magazine
Diversity
No. 1 Top Company
For LGBT (2015) DiversityInc
7th Top Company
For Veterans (2015) DiversityInc
11th Top Company
For Diversity (2015)
DiversityInc
2
#1 for Clear and Simple Security
and Privacy Information, Exten­
sive Money Management Tools,
and Wide Variety of Alerts –
2014 U.S. Online Banking Bench­
mark (2015) Forrester Research
#2 in Overall Mobile Perfor­
mance, Ease of Use, and Quality
& Availability (3Q15) Keynote
Competitive Research
Wells Fargo Mobile Banking
“Most Complete Alerting
Platform” in the annual
Mobile Banking FI Scorecard
(2015) Javelin Research
North America Best in Mobile
Banking, Best Investment
Services, Best Website Design,
Best Information Security
Initiatives; Global Best in
Social Media (World’s Best
Corporate/Institutional Digital
Banks in North America, 2015)
Global Finance magazine
Corporate social responsibility
8th Best Company
For Latinas (2015)
LATINA Style
Perfect Score – 100
Corporate Equality Index
(2016, 13th year) Human
Rights Campaign
#1
Largest workplace employee
giving campaign in the U.S. for
sixth consecutive year, based
on 2014 donations (2015) United
Way Worldwide
Perfect Score – 100
S&P 500 Climate Disclosure
Leadership Index (2015)
Carbon Disclosure Project
We’re an industry leader
In supporting homeowners and consumers
#1
Retail mortgage lender
(2015) Inside Mortgage Finance
#1
Used auto lender (Jan. 2015 –
Dec. 2015) AutoCount
#1
Home loan originator to minority
and low- to moderate-income
borrowers, and in low- to moder­
ate-income neighborhoods
(2014) HMDA data
#2
Overall auto lender (Jan. 2015
– Dec. 2015 excluding leases)
AutoCount
#1
Home loan servicer
(2015) Inside Mortgage Finance
#2
Debit card issuer for consumer
and business (2014) Nilson Report
#1
Provider of private student
loans among banks (2015)
Company and Competitor
reports
#2
Provider of student loans overall
(2015) Company and
Competitor reports
In insurance
#1
Best Insurance Broker in the
U.S. (2015) Global Finance
magazine
#6
Provider of Health Savings
Accounts (HSA) in U.S. (2015)
Devenir
Key facts
as of 12/31/2015
$1.8 trillion
Assets
Approximately 265,000
Team members
70 million
Customers
8,700*
Locations
13,000
ATMs
$277 billion
Market value of stock
*Includes domestic and global locations.
In helping small businesses
#1
Small business lender (U.S. in
dollars 2014) Community Reinvestment Act government data
#1
SBA 7(a) lender in dollars and
units (2015) Small Business
Administration federal fiscal
year-end data
#1
In overall performance and best in
functionality for providing a positive
small business banking experience
through digital channels (2015)
Keynote Competitive Research
In wealth and investment management
#2 in U.S.
Annuity sales (2014)
Transamerica Roundtable Survey
#3 in U.S.
Full-service retail brokerage
provider (4Q15) Company and
competitor reports
In treasury management
#4 in U.S.
Wealth management provider,
assets under management of
accounts greater than $5 million
(2015) Barron’s
#8 in U.S.
Institutional retirement plan
record keeper, based on
assets as of 12/31/14 (2015)
PLANSPONSOR Magazine
#6 in U.S.
IRA provider (4Q15)
Cerulli Associates
#9 internationally
Family wealth provider
(2014) Bloomberg
#1
Fastest Wholesale Lockbox
Network in the U.S.
(Fall 2015) Phoenix-Hecht
Mail Study
In commercial and residential real estate
#1
In new lead banking relationships with middle-market compa­
nies (2015) TNS Choice Awards*
#1
U.S. Bank Lender of the Year
(2014–2015) Real Estate
Capital Awards
#1
In total commercial real estate
originations in the U.S. (2015)
MBA Commercial/Multifamily
Mortgage Origination Rankings
#1
Trustee for GNMA Multiclass
REMIC Program (3Q15)
Government National
Mortgage Association
#1
Largest servicing portfolio of
commercial real estate loans in
the U.S. (Year-end 2015)
MBA Commercial/Multifamily
Servicer Rankings
#1
Affordable housing lender
(2015) MBA Commercial/
Multifamily Origination
Rankings
#1
Home loan servicer (2015)
Inside Mortgage Finance
*2015 TNS Choice Awards recognize banks and other financial service providers that outperform their competitors in acquiring, retaining, and developing customers.
3
We have a broad range of expertise
#1
• Transfer agent in client
satisfaction (2015) Group 5
• Commercial Bank Agribusiness • Bookrunner for closed-end
lender (4Q14) FDIC ranking data*
funds (4Q15) CEFA
• High grade trading
(4Q15) MarketAxess
• Largest Financial Institution
Originator of Automated
Clearing House Payments
(2015) NACHA–The Electronic
Payments Association
• Bookrunner for BDCs
(Business Development
Companies) (4Q15) Dealogic
• Middle-market loan syndications
(4Q15) Thomson Reuters LPC
• Bookrunner for MLPs (Master
Limited Partnerships)
(4Q15) Dealogic
• Trustee for Convertible Debt
(2015) Thomson Reuters LPC
• Largest import factor in world
based on import factoring
volume (2014) Factors Chain
International (FCI)
• REIT preferred stock underwriter
(4Q15) Company Filings
• Hotel & gaming loan syndica• Largest factor in the U.S.
tions (4Q15) Thomson Reuters
according to factoring volume
LPC
(2014) Commercial Finance
Association (CFA) 2014
Annual Factoring Survey
• Largest market share of
wallet with middle-market
companies of the top 13 U.S
commercial banks (2015) TNS
Choice Awards**
• Faster organic growth than any
other bank among companies
with $50 million or more in
annual revenues (2015) TNS
Choice Awards**
*Defined as percentage of companies with revenues of $25-500 MM citing Wells Fargo as their lead banking provider.
**2015 TNS Choice Awards recognize banks and other financial service providers that outperform their competitors in acquiring, retaining, and developing customers.
#2
• Real estate loan syndications
(4Q15) Thomson Reuters LPC
• Financial Institution Receiver
of Automated Clearing House
Payments (2015) NACHA–
The Electronic Payments
Association
• Second largest bank-affiliated
equipment finance company in
U.S. by both net assets and new
business volume (2014 Monitor
100 industry ranking)
• REIT loan syndications
(4Q15) Thomson Reuters LPC
#3
• Non-investment grade loan
syndications (4Q15) Thomson
Reuters LPC
• Trustee for Investment Grade
debt (2015) Thomson Reuters
LPC
• Utilities loan syndications
(4Q15) Thomson Reuters LPC
• Total multifamily originator
(2014) MBA Commercial/
Multifamily Mortgage
Origination Rankings
• Trustee for High Yield Debt
(2015) Thomson Reuters LPC
• Preferred Stock underwriter
(4Q15) Bloomberg
• Asset-based left lead arranger
(3Q15) Thomson Reuters LPC
• Wells Fargo agencies
(4Q15) Bloomberg
• Fannie Mae multifamily
originator (2014) MBA
Commercial/Multifamily
Origination Rankings
• Oil & gas loan syndications
(4Q15) Thomson Reuters LPC
#4
#5
• High grade loan syndications
(4Q15) Thomson Reuters LPC
• Competitive municipal bond
bookrunner (4Q15)
Thomson Reuters
• Loan syndications (4Q15)
Thomson Reuters LPC
• High yield trading (4Q15)
MarketAxess
• Convertible securities
(4Q15) SDC
• Bookrunner for yield-oriented
securities (4Q15) Dealogic
• High grade bonds (4Q15)
Dealogic
• Municipal bond backrunner
(4Q15) Thomson Reuters
• Financial services loan
syndications (4Q15)
Thomson Reuters LPC
International recognition
• Best International Trade
Finance Bank in Asia Pacific
(2015) The Asian Banker
• Best Bank Trade Services
Provider: Bronze (2015)
Trade & Forfaiting Review
• U.S. Large Corporate Trade
Finance – Overall Quality
(Greenwich 2015)
• Best Bank Trade Outsourcing
Bank in Asia Pacific (2014–2015)
• Best Provider of Supply
Chain Finance — Gold Award
(2015) Trade & Forfaiting Review
Additional recognition
• 18 A+ or A grades out of 23 total —
no bank received more A+ grades
than Wells Fargo (2015)
Phoenix-Hecht Middle Market
Quality Index
4
• 19 A+ or A grades out of 23 total — • Fastest Wholesale Lockbox
Network in the U.S. by Wells
no bank received more A+ grades
Fargo Treasury Management
than Wells Fargo (2015)
Services (Fall 2015) PhoenixPhoenix-Hecht Large
Hecht Mail Study
Corporate Quality Index
• Asset-based Lender of the
Year (2015) Real Deals
• Global top 10 in investment
banking revenue (2015)
Dealogic IB Strategy Review
We have a culture of caring for communities
At Wells Fargo, we embrace our responsibility
to be a leading corporate citizen — socially,
economically, and environmentally — and the
opportunity to create more resilient, sustainable
communities through our operations, business
practices, philanthropy, and community engagement. We seek out diverse perspectives to inform
our business strategy, work to strengthen financial
knowledge and opportunities for our customers
and communities, and take action to care for and
improve the environment.
16%
5%
Philanthropy
Donated $281.3 million to
16,300 nonprofits in 2015
5%
4%
28%
Arts and Culture
42%
Civic
Community
Development
Education
Environmental
Human Services
$1.4 billion in grants to nonprofits over the last four years (2011–2015) to support and revitalize
communities, help charitable organizations, and grow local economies
$7.1 billion* in community development loans and investments in low- and moderate-in­
come areas (2015)
1.87 million hours volunteered by team members (2015)
$98.8 million in team member donations to nonprofits and schools, marking the 13th consectutive
year of increased giving (2015)
Social: Inviting diverse perspectives
$66 million in financial education, jobs assistance, and home
donations to military veterans
(Nov. 2012 – Dec. 2015)
Nearly $1.2 billion spent
with certified diverse-owned
businesses, representing 12
percent of our total annual
procurement budget (2015)
46,518 team members par ­
ticipated in 10 Team Member
Networks — representing 280+
chapters — supporting diversity
and inclusion (2015)
Economic: Strengthening financial knowledge and opportunities
$18.8 billion in new loan com­
mitments to small business
customers** (2015)
165,700 people received
financial education through
Hands on Banking® workshops
during our Teach Children
to Save and Get Smart About
Credit campaigns (2015)
$278 million committed to
Wells Fargo LIFT programs,
helping more than 10,725 new
homeowners in 39 communities
(2012–2015)
Environment: Being environmentally proactive
$15 billion in environmental
loans and investments for “greener”
buildings, clean technology, and
other environmentally sustainable
businesses (2015)
30 percent reduction in
absolute greenhouse gas
emissions (2008–2015)
20 percent of total square
footage across Wells Fargo
owned and leased buildings
is LEED®-certified (2008–2015)
*Preliminary CRA data as of Feb. 4, 2016.
**Primarily businesses with annual revenues less than $20 million.
Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.
Investment and Insurance Products:
Not FDIC Insured
NO Bank Guarantee
MAY Lose Value
Wells Fargo Advisors is the trade name used by two separate registered broker-dealers: Wells Fargo Advisors, LLC and Wells Fargo
Advisors Financial Network, LLC, Members SIPC, non-bank affiliates of Wells Fargo & Company.
CAR-0216-02712
5
To learn more, read our 2014
Corporate Social Responsibility
Interim Report wellsfargo.com/
about/csr/reports/.