Bank of America Corporation (BAC) 2009年年度报告「NYSE」.pdf

1、2009 Annual ReportDecember 31,2009Bank of America100 North Tryon StreetCharlotte,NC 28255Dear Bank of America,I have a stake in this company too.What are you doing to move the bank and the econo omy forward?My company needs to maximize returns and minimize risk.How can Bank of America Merrill Lynch

2、help?Everythings so complicated.Can t you make credit card terms simpler?Is my investment portfolio diversifi ed?How did the acquisitions of Countrywide and Merrill Lynch change your business?Can you help me better manage my bills and monthly payments?When will Bank of America increase its dividend?

3、What steps are you taking to make sure my fi nancial information is secure?I m a small-business owner with plans to expand.Will I be able to get access to capital?My budget has never been more stretched.How can you help me?Times are tough.What is Bank of America doing to help?Is now a good time for

4、me to invest in emerging markets?My fi nancial situation is sound.How can I qualify for more credit?How do I save for college and pay my weekly grocery bill at the same time?Our corporation is ready to expand globally.Can you advise on international acquisition opportunities?I want to retire in 10 y

5、ears.Will I be ready?Can Bank of America do more for me than my hometown community bank?I m in over my head with my mortgage.How can you help?I don t have time to visit a branch.Can I manage my accounts online?How can you make my cash fl ow more productive?I need a banker who understands my business

6、.Do you have industry expertise?How can I protect my wealth for future generations?Can you help me take my company public?Were listening.We know your financial needs are changing.Thats why were changing too.Letter from the President and CEOTo Our Shareholders:Bank of America serves one in two U.S.ho