Zions Bancorporation: Company Profile and SWOT Analysis by ICDResearch

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ICD Research's "Zions Bancorporation: Company Profile and SWOT Analysis" contains in depth information and data about the company and its operations. The profile contains a company overview, business description, financial ratios, SWOT analysis, key facts, information on products and services, details of locations and subsidiaries, plus information on key news events affecting the company.

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									Zions Bancorporation

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Zions Bancorporation                                                        Financial Snapshot

                                                                            Operating Performance
Fast Facts
                                   One South Main, Salt Lake City,          The company reported revenue of US$2,760.3 million
Headquarters Address
                                   84111,United States of America           during the fiscal year 2010 (2010). The company's
                                                                            revenue declined at a compounded rate of -4.86%
Telephone                          + 1 801 5244787
                                                                            during 2006 - 2010, with an annual decline of -16.84%
                                                                            over 2009. In 2010, the company recorded a net
Fax                                + 1 801 5242129                          margin of -10.60%, as against -36.64% in 2009.

Website                            www.zionsbancorporation.com
                                                                            Total Income and Margins
Ticker Symbol, Stock Exchange      ZION (NASDAQ)

Number of Employees                10,543

Fiscal Year End                    December

Total Income (in US$ million)      2,760.31




SWOT Analysis

Strengths                          Weaknesses                               Return on Equity

Diversified business mix           Decline in top-line performance          The company recorded a return on equity (ROE) of -
                                                                            4.40% for 2010, as compared to its peers, City
                                                                            National Corporation (CYN), Citigroup Inc. (C) and
Domestic market position                                                    Marshall & Ilsley Corporation (MI), which recorded
                                                                            ROEs of 6.69%, 6.49% and -8.15% respectively. The
Strong capital adequacy                                                     company reported a net profit margin of -10.60% in
                                                                            2010.
Opportunities                      Threats
                                                                            Return on Equity
Innovative products and services   Basel III framework

                                   Increasing volatility in interest rate
Strategic agreement
                                   movements

                                   Weak global economic outlook




                                                                            Financial Leverage

                                                                            The company reported a debt to equity ratio of 0.43 in
                                                                            2010, as compared to its peers, City National
                                                                            Corporation, Citigroup Inc. and Marshall & Ilsley
                                                                            Corporation, which recorded debt to equity ratios of
                                                                            0.44, 3.80 and 0.83 respectively. In 2010, the
                                                                            company recorded a debt to capital ratio of 0.06, as
                                                                            compared to its peers, City National Corporation,
                                                                            Citigroup Inc. and Marshall & Ilsley Corporation,
                                                                            which recorded debt to capital ratios of 0.04, 0.32 and
                                                                            0.10 respectively.




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Zions Bancorporation - SWOT Profile                                                                                 Page 1
Zions Bancorporation

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TABLE OF CONTENTS

1     Business Analysis ................................................................................................................................... 5
    1.1       Company Overview ................................................................................................................................................5
    1.2       Business Description ..............................................................................................................................................5
    1.3       Major Products and Services .................................................................................................................................6
2     Analysis of Key Performance Indicators ............................................................................................... 7
    2.1       Five Year Snapshot: Overview of Financial and Operational Performance Indicators ..........................................7
    2.2       Key Financial Performance Indicators ...................................................................................................................9
      2.2.1       Total Income and Net Profit Margin ...................................................................................................................9
      2.2.2       Asset, Liabilities and Capex .............................................................................................................................10
      2.2.3       Gearing Ratio ...................................................................................................................................................11
      2.2.4       Valuation ..........................................................................................................................................................12
    2.3       Competitive Benchmarking ..................................................................................................................................13
      2.3.1       Capital Expenditure ..........................................................................................................................................13
3     Recent Developments ........................................................................................................................... 14
4     SWOT Analysis ...................................................................................................................................... 16
    4.1       SWOT Analysis - Overview ..................................................................................................................................16
    4.2       Strengths ..............................................................................................................................................................16
    4.3       Weaknesses .........................................................................................................................................................17
    4.4       Opportunities ........................................................................................................................................................17
    4.5       Threats .................................................................................................................................................................17
5     Zions Bancorporation - Company Statement ...................................................................................... 19
6     Zions Bancorporation - History ............................................................................................................ 22
7     Zions Bancorporation - Key Employees .............................................................................................. 24
8     Zions Bancorporation - Key Employee Biographies ........................................................................... 26
9     Zions Bancorporation - Locations and Subsidiaries .......................................................................... 27
    9.1       Head Office ..........................................................................................................................................................27
    9.2       Other Locations and Subsidiaries ........................................................................................................................27
10    Appendix ................................................................................................................................................ 28
    10.1      Methodology .........................................................................................................................................................28
    10.2      Ratio Definitions ...................................................................................................................................................28
    10.3      Disclaimer.............................................................................................................................................................32




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Zions Bancorporation - SWOT Profile                                                                                                                                         Page 2
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