Abstract
This paper involves a case study of a program created by Bank of America to develop innovative new bank branch concepts and then measure customers' response to the changes made in these experiments.

From the Paper
"I would characterize Bank of America's system for developing new services as a variant on the way it was described in the case study. Specifically the way that Bank of America goes about developing new services is like building a test plane while flying it and then paying to build the plane by selling tickets to passengers without ever telling them they are in an experimental aircraft The process being used by B of A involves allowing its innovation and development I D team ..."

Tags:case study, bank of America, services experiment, branches, improving customer satisfaction, innovation, risk and reward

Abstract
This is a case study answering specific questions about the current state of acquisitions and procurement at Bank of America and the changes expected in the future.

Tags:case study, bank of america, purchasing function

Abstract
This paper assess the external environment of the financial services industry and specifically preforms an internal and external assessment of the BofA. The author includes a strategy assessment. The paper recommends to the Bank of America on the way to maintain and strengthen its competitive position.

From the Paper
"The report presents the findings of a strategic management analysis of Bank of America Corporation a financial services company that participates in most facets of the financial services sector. Bank of America is a nationwide financial services company in the United States and the company is the country's third largest banking company when measure by total assets behind CitiGroup in first place and J. P. Morgan Chase in second place. This report begins with an assessment of the external ..."

Tags:Management, Bank

Abstract
This paper examines the merger process of two major banks - Nationsbank and Bank of America. It focuses on the issue of change, showing how it benefits the organization as a whole. The concept of coping with change in an organization is analyzed in the context of this merger.

From the Paper
"An organization is an ever evolving and changing entity; and, all organizations undergo changes at some stage in the history of their existence. The environment in which an organization operates and functions in today's dynamic market is also constantly changing. Change is normal and life's one salient certainty. While change is good for an organization it helps stimulate the organization to grow change can be difficult to implement in an organization (Mukherjee and Mukherjee, 2001). Technological and equipment change is easier to handle than changes in the human resources. More than physical and other resources, changing the mindset and the human factor may ultimately come to represent the new competitive edge for a corporation. How an individual, a group or a department relates to change determines the achievement of success for any organization."

Tags:human, resources, america, organization, management, staff, problem, solve

Abstract
This paper provides a brief history of Bank of America and outlines its structure and operations. The paper then looks at the criticisms of Bank of America's banking policies and customer service. The paper shows how, while Bank of America may be the largest bank in America and is fast moving into growing markets like Latin America and China, its reputation and business practices in the United States are questionable.

Outline:
History
Organization and Operation
Criticisms

From the Paper
"Headquartered in North Carolina, Bank of America is the largest commercial bank in the United States of America and the third largest company in the world. According to the Bank of America 2006 annual report the company's net income was $13.9 billion, in 2004, $16.5 billion in 2005 and $21.1 billion. The present-day Bank of America was created in 1998 after a merger of NationsBank and San Francisco-based BankAmerica. The new entity was called Bank of America.
"The forerunner of the modern-day Bank of America was created in 1904 when Italian immigrant, Amadeo Gianini founded Bank of Italy in San Francisco. In the 1920s Gianini formed a partnership with Bank of America in Los Angeles. Leading to a new organization also called Bank of America. The company which later became known as BankAmerica was on the cutting edge of banking technology and was the first to roll out new products such as automatic check processing, magnetic ink character recognition and credit cards linked to a bank account, which later became known as bank cards. The BankAmeria card later became known as VISA cards."

Tags:customer, service, illegal, immigrants, partnerships

Abstract
Bank of America is a large corporate entity with a global presence. This discussion explores the company's operations in the United States and the United Kingdom. This discussion identifies the full range of products Bank of America offers both in the United States and the United Kingdom. In addition the paper describes the company's market, structure and competitive environment. The company begins by taking a look at Bank of America's Domestic and UK Operations.

From the Paper
"According to Multexinvestor Bank of America became a corporation in 1968. Bank of America is headquartered in Charlotte, North Carolina. Bank of America currently has facilities throughout the country in states that include; Virginia, North Carolina, the District of Columbia, Florida, New Mexico, Nevada and Arizona. (BAC Full Description) The company operates in several locations in the United Kingdom including London, Bank of America is one of the largest financial institutions in world and serves millions of customers a day in the United States. Although the company operates in the United King its operations are on a much smaller scale. In fact most of the company's profits are made domestically."

Tags:structure, united, kingdom, states, global

Abstract
The paper attempts to objectively review the 'Annual Report of the Bank of America' for the year 2008 with the aim of revealing the bank's financial performance in a period of global financial crisis and pressure. The paper begins with a brief introduction in which the author outlines the basis for the work and his goal. This is followed by a short history of the bank and then by the actual analysis of the 2008 report.

Contents:
Introduction
Brief Description of the Company
Analysis of the 2008 Annual Report
Mark-to-Market, TARP and the Bank of America
Final Remarks
References

From the Paper
"The Bank of America was first established in 1874 under the name of National Bank. The institution is currently headquartered in Charlotte, North California and it represents the largest financial operator throughout the United States, managing to make a financial statement in the international context. Despite the hardship of the credit crisis commenced in 2007, the company continued to operate at high levels of profitability, most likely supported by their acquisition of Merrill Lynch & Co. Under the acronym BAC, the Bank of America stock is being traded on the New York Stock Exchange at a current value of $9.10. Throughout its 6,100 banking centers, the bank and financial holding institution operates in 50 American states and the District of Columbia, as well in other 40 foreign countries through its financial and non-financial products and services, organized into three business branches:
"- Global Consumer and Small Business
"- Global Corporate and Investment Banking, and third
"- Global Wealth and Investment Management (Website of the New York Stock Exchange, 2009)."

Tags:economy, stocks, shares, global, consumer, corporate, investment, assets, deposits, equity

Abstract
This paper provides a financial analysis of Bank of America. It reviews the company's performance over the last seven years and provides an overview of balance sheets and income statements. In addition, the paper discusses Bank of America's financial ratio analysis. It then examines their current activities and provides a review of future expectations. The paper contains several financial tables.

Table of Contents:
Summary
Current Activities
Bank of America Challenges and Expectations
Ratio and Variance Analysis
Summary

From the Paper
"For Bank of America, the challenges are first to keep the strong growth Retail banking and Card Services moving forward, including working to ensure the integration of the Fleet acquisition is completed and contributes to growth in market share in key global locations including the U.K. The effects of the company's growth-by-acquisitions strategy can be seen throughout the financial analyses provided here, including the impact on revenues and debt. The Global Wealth and Investment Management Business Group, by far the most under-performing of all Bank of America groups, is most likely going to see selective and highly targeted acquisitions in nations that bank of America sees potential to grow this Business Groups' performance. Global Corporate and Investment Banking will seek to compete for effectively with its Business Lending Segment, and look to bolster Capital Markets and Advisory Services, which is considered 2nd tier by many investment analysts. Clearly Bank of America will be challenged to grow their earnings beyond Retail Banking and Card Services in the near-term."

Tags:income, balance sheet, statement

Abstract
This paper relates that, as of 2005, the Bank of America had $1.2 trillion in assets and approximately 175,000 full-time employees in 190 countries, managed through four business segments: 1) Consumer and commercial banking; 2) asset management; 3) global corporate and investment banking and 4) equity investment. The author points out that the company's business model is based on recognizing its domestic and international consumers' needs and identifying more effective ways of delivering products and services to satisfy them, for which BOA has been an industry leader for years. The paper relates that the most glaring problem is the need for the company to concentrate on using its expertise in CRM (customer relationship management) to identify opportunities for improving its customer service in other countries where it is newly arrived and where the relationship between the country managers and its key executives remains formative. Many charts and graphs.

Table of Contents
Company Background
Company History
Milestones/Critical Events
Size, Markets, Market Share
Locations
Detailed Description of Business, Products and Services
Consumer and Commercial Banking
Asset Management
Global Corporate and Investment Banking
Equity Investments
Vision and Mission
Goals-Objectives-Strategies
Business Model
Company Performance
Management Characteristics
Bank of America Key Executives
SWOT & Analysis of Core Competencies, Capabilities, and Competitive Advantage
Strengths
Weaknesses
Opportunities
Threats
Direct Competitor Comparison
Major Issues / Problems

From the Paper
"The term "bank" credit card is more accurately labeled a "universal" consumer card today, and this ubiquitous card was the brainchild of Bank of America. According to Robert D. Manning, the credit card as it exists today first emerged in 1958; the author notes that businesses stood to gain from this innovation for several reasons despite the added transaction costs. The universal bank credit card (1) offered a competitive alternative for consumers who shopped with proprietary retail credit cards, (2) lowered the merchants' costs for their own credit programs by reducing bookkeeping expenses, (3) eliminated cash-flow bottlenecks by reimbursing purchases within days, and (4) provided a path to a potentially large customer base that included all of Bank of America's clients. By the summer of 1958, Bank of America mailed out almost 100 million unsolicited credit cards."

Tags:crm, assets, executives, swot, credit-cards

Abstract
This paper explains that the code of ethics at Bank of America is instrumental in forging the organizational culture. First, the paper identifies this company's organizational type and describes behaviors associated with it. Based on this analysis, the paper then recommends that the bank change some aspects of its culture. In particular, the paper suggests that the bank focus on creating a culture in which employees encourage one another to meet goals and be more productive.

Table of Contents:
Introduction
Current Culture
Cultural Type
Behaviors associated with the Cultural Type
Targets for Cultural Change
Potential Benefits and Risks of Cultural Change
Conclusion

From the Paper
"The primary targets for change are humanistic-encouraging and achievement. The most apparent gap is humanistic-encouraging. In this category, there is a 74% difference between the actual percentile score and the ideal score. The second target for change is in the area of achievement. As it relates to humanistic encouraging norms the organization should focus on being more personable, the company should also focus on creating a culture in which employees encourage one another to meet goals."

Tags:ethics, aggressive/defensive, avoidance, branch, humanistic-encouraging