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Welcome to Urban Financial Services Coalition

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Welcome to Urban Financial Services Coalition Powered By Docstoc
					    Urban Financial
   Services Coalition
         34th Annual National
              Conference

Richard K. Davis
Chairman, President and CEO
June 19, 2008
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
   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!

      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
                                                     Regional
 U.S. Bancorp in America                             Consumer and Business Banking
                                                     Wealth Management




   1Q08 Dimensions
  •     Asset Size (#6)               $242 billion
                                                     National
  •     Deposits                      $138 billion   Wholesale Banking
                                                     Trust Services



  •     Loans                         $158 billion
  •     Customers                     14.9 million
  •     NYSE Traded                         USB      Global
                                                     Payments


  •     Market Capitalization* (#5)    $58 billion
  •     Founded                             1863
  •     Bank Branches                      2,522
  •     ATMs                               4,844


* Market Value as of May 9, 2008
Banking Industry Today


 Strong

 Healthy

 Vibrant
Banking Industry Today


 Strong?

 Healthy?

 Vibrant?
Confidence   Economy




 Business     Customers
Confidence
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:
Key Industry Concerns Related to Sub-Prime
 Write-downs and losses related
  to residential mortgage market continue
 Credit deterioration may extend
  into Commercial and Commercial Real Estate
 Business models impaired – potential
  revenue impacts
 Capital levels
 Liquidity
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
Expansion of Activities
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
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
Banking Is…



For-Profit
Business
Confidence           Economy




 Business             Customers


     DOING WHAT IS RIGHT!
DOING WHAT IS RIGHT!
DOING WHAT IS RIGHT!
                        SBA Lending
     Shareholder
     Commitment                           Operation Hope




Sustainability                              Student Lending




     CRA Focus                            Just Us Kids
                       Loan Forbearance


                 DOING WHAT IS RIGHT!
DOING WHAT IS RIGHT!
Mission

To be the pre-eminent financial services
organization that provides professional
development programs, supports educational
advancement and promotes economic
empowerment for its members and minority
communities at large.
Destination Success
Destination Success
Transforming
Transforming
“Try not be become
of man of success, but
rather try to become
a man of value.”
       - Albert Einstein
Destination Success
Empowering

“If you aren’t fired
with enthusiasm,
you’ll be fired with
enthusiasm.”
          - Vince Lombardi
Empowering
Don’t measure
yourself by how hard
you work; measure
yourself by how much
you get done.
Destination Success
Inspiring




            Be Astonishing!
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            Develops Others
   – Displays trust and ethics     – Recruits and
                                     develops talent
   – Inspires trust
     and confidence                – Communicates with impact
   – Demonstrates maturity        Drives to Succeed
     and resilience                – Drives for results
 Shapes the Future                – Is decisive and uses
   – Establishes and executes        discernment
     strategy and vision           – Manages execution
   – Leverages technical           – Focuses on the customer
     and financial expertise
Leadership




       212º

				
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