人民大2024战略管理（第13版）案例教师手册 david_sm13e_cn_11.docx

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1、WellsFargoCorporation-2009CaseNotesPreparedby:Dr.MernoushBantonCaseAuthors:Donald1.Crks.RobertS.Goodman,JohnBurbridgeA. CaSeAbStraCtWellsFargoCorporation(www.WellsFargo.m)isacomprehensivestrategicmanagementcasethatincludesthecompanysCalendaryear-endDecember31.2008financialstatements,competitorinform

2、ationandmore.Thecasetimesettingistheyear2009.Sufficientinternalandexternaldataareprovidedtoenablestudentstoevaluatecurrentstrategiesandrecommendathree-yearstrategicplanforthecompany.HeadquarteredinSanFrancisco,California,WellsFargoCorporationistradedontheNewYorkStockExchangeundertickersymbolWFC.B. V

3、iSiOnStatement(ACtUaI)Ourproduct:SERVICE.OurValue-added:FINANCIA1.ADVICE.Ourcompetitiveadvantage:OURPEOP1.E/C. MiSSiOnStatement(Proposed) KnownbyOurOwnTeamMembers.Wellbeknownasacompanythatbelievesinpeopleasacompetitiveadvantage,agreatplacetowork,anemployerofchoice,acompanythatreallycaresaboutpeople,

4、knowsthevaluethatadiverseworkforcecanbring,thatenuragesinnovation:newandbetterwaysofservingcustomers.(4,9) KnownbyOurCustomers.uWewanttobeknownbyourcustomersasafinancialpartner,foroutstandingserviceandsoundfinancialadvice,satisfyingalloftheirfinancialneedsandhelpingthemtosucceedfinancially.Ourcustom

5、ers,externalandinternal,areourfriends.Theyrethecenterofeverythingwedo/(1,2) KnownbyOurCommunities.Wellberegardedasthepremierfinancialservicescompanyineachofourmarkets.We,llpromotetheeconomicadvancementofeveryoneinourcommunitiesincludingthosenotyetabletobeeomicallyself-sufficient,whohaveyettoshareful

6、lyintheprosperityofourextraordinarycountry.Wellbeknownasanactivecommunityleaderineconomicdevelopment,inservicesthatpromoteeconomicself-sufficiency,education,socialservicesandthearts.(3.6,7,8) KnownbyOurShareholders.Wellbeknownasagreatinvestment.Wellhavefinancialresults,notonlyamongtheverybestinthefi

7、nancialservicesindustry,butamongtheentireFortune500.Today,weretheonlybankintheUnitedStateswithaMoodyscreditratingofAaathehighestpossiblerating).(5)1.CustomerProductsorservicesMarketsTechnologyConcernforsurvival,profitability,growth6. Philosophy7. Self-ncept8. Concernforpublicimage9. Concernforemploy

8、eesD. EXternalAUditCPM-CompetitiveProfileMatrixWellsFargoBankofAmericaCitiGroupUSBancorpCriticalSuccessFactorsWeightRatingWeightedScoreRatingWeightedScoreRatingWeightedScoreRatingWeighdScoMarketShare0.1520.3040.6030.4510.45FinancialPosition0.2040.1520.6030.4510.45ServiceQuality0.1530.3020.4040.4010.

9、40ProductDiversity0.1020.2040.3030.3010.30Consumer1.oyalty0.1530.4540.6020.4510.45Employees0.0720.1040.2030.1010.10GlobalExparskn0.1030.4020.4040.1010.10E-commerce0.0820.1030.1540.1510.15Total1.002.003.252.402.40Opportunities1. Stronger1s,half2009financialpositioncouldleadtofurtherexpansionandacquis

10、itions2. Expansionininternationalmarkets3. GrowsecuritiesandinvestingsectorofthebusinessasaresultofWachoviaacquisition4. EnhanceWellsFargobrandonEastCoaslandglobally5. Consensusamongeconomistsconcerninglate2009and2010recovery6. IncreaseinuseoftechnologyandInternetforonlinebankingThreats7. Increasere

11、gulationsfromregulatoryagenciesinfinancialservices8. Emerginglegislaturemayconstrainfreedominfinancialservicesmarketplace9. Traumacausedbyfinancialservicescrisisinhibitsinvestmentinthatsector10. GrowingdiscontentofroleofFederalReservecouldresultinfurthermarketturmoil11. Increaseinunemploymentratecau

12、sesmanytodefaultonloansandcreditcarddebtExternalFactorEvaluation(EFE)MatrixKeyExternalFactorsWeightRatingWeightedScoreOpportunities1.Stronger1sthalf2009financialpositionuldleadtofurtherexpansionandacquisitions0.130.32.Expansionininternationalmarkets0.0930.273.Growsecuritiesandinvestingsectorofthebus

13、inessasaresultofWachoviaacquisition0.0940.364.EnhanceWellsFargobrandonEastCoastandglobally0.0730.215.Consensusamongeconomistsconcerninglate2009and2010recovery0.0930.276.IncreaseinuseoftechnologyandInternetforonlinebanking0.130.3Threats1.Increaseregulationsfromregulatoryagenciesinfinancialservices0.1

14、20.22.Emerginglegislaturemaynstrainfreedominfinancialservicesmarketplace0.0910.093.Traumacausedbyfinancialservicescrisisinhibitsinvestmentinthatsector0.0820.164.GrowingdiscontentofroleofFederalReserveldresultinfurthermarketturmoil0.0910.095.Increaseinunemploymentratecausesmanytodefaultonloansandcred

15、itcarddebt0.110.1Total1.002.35NumberofBranches咿)POSitiOninaMaPWellsFargoBankofAmericaUSBancorpWdeProducebneOfferingCitiGroupMarrowProduct1.ineOtfsnngNumberofBrancties(1.oW)E. IntemalAUditStrengths1. StrongUnitedStatesmarketpositioninretailbankingafterWachoviaacquisition2. WellsFargoisarecognizedbrandwith6700bankbranchesintheU.S.3