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Urban Financial Services Coalition 34 th Annual National Conference

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

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Urban Financial Services Coalition 34 th Annual National Conference

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  1. Urban Financial Services Coalition 34th Annual National Conference Richard K. Davis Chairman, President and CEO June 19, 2008

  2. Welcome!

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

  4. 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.

  5. 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

  6. 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

  7. YTD Total Shareholder Return = -4.4%

  8. Destination Success!

  9. Banking Industry Today • Strong • Healthy • Vibrant

  10. Banking Industry Today • Strong? • Healthy? • Vibrant?

  11. Confidence Economy Banking Industry Customers Business

  12. Confidence

  13. Key Indicators in the Banking Industry • ROA and ROE • Loan growth • Diversified revenue streams • Capital positions • Total shareholder return • Credit Quality

  14. 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

  15. 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

  16. Expansion of Activities

  17. 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

  18. 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

  19. The Word

  20. Where's the Leadership ?

  21. Banking Is… For-Profit Business

  22. Economy Confidence Banking Industry Customers Business DOING WHAT IS RIGHT!

  23. Banking Industry DOING WHAT IS RIGHT!

  24. DOING WHAT IS RIGHT!

  25. SBA Lending Shareholder Commitment Operation Hope Sustainability Student Lending CRA Focus Just Us Kids Loan Forbearance DOING WHAT IS RIGHT!

  26. DOING WHAT IS RIGHT!

  27. Mission

  28. Destination Success Transforming Empowering Inspiring

  29. Destination Success Transforming Empowering Inspiring

  30. Transforming

  31. Transforming “Try not be become of man of success, but rather try to become a man of value.” - Albert Einstein

  32. Destination Success Transforming Empowering Inspiring

  33. Empowering “If you aren’t fired with enthusiasm, you’ll be fired with enthusiasm.” - Vince Lombardi

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

  35. Destination Success Transforming Empowering Inspiring

  36. Inspiring Be Astonishing!

  37. 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

  38. 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…

  39. Where's the Leadership ?

  40. Leadership = Urban Financial Services Coalition

  41. 212º Leadership

  42. Destination Success!

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