美國(guó)銀行

????《財(cái)富》500強(qiáng)排名：21

????2012年銷售額：1,001億美元（6,146.14億元人民幣）

????2012年總回報(bào)率：109.7%

????美國(guó)銀行（Bank of America）是美國(guó)第二大銀行。監(jiān)管部門認(rèn)定它的緩沖資金足以避免它在新一輪全球金融危機(jī)中倒閉，股東們也因此稍稍松了一口氣。

????美銀是2012年金融板塊表現(xiàn)最好的個(gè)股之一，股價(jià)上漲了109%。因此，投資者越發(fā)相信這家行擁有的資金可以滿足新的國(guó)際標(biāo)準(zhǔn)。

????2011年，美銀首席執(zhí)行官布萊恩?莫伊尼漢曾要求增加分紅，但監(jiān)管機(jī)構(gòu)的否決讓他陷入尷尬境地。和2011年不同的是，2012年美銀面臨的戲劇性場(chǎng)面較少。它沒有提高1美分的季度分紅或者回購(gòu)股票，而是計(jì)劃在消化按揭貸款相關(guān)損失的同時(shí)，繼續(xù)積累資金。

????莫伊尼漢正在領(lǐng)導(dǎo)美銀開展長(zhǎng)期削減成本計(jì)劃。到2013年底，這家銀行每季度可節(jié)約開支15億美元（92.1億元人民幣），到2015年中期每年可降低成本20億美元（122.28億元人民幣）。

Bank of America

????Fortune 500 rank: 21

????2012 sales: $100.1 bil

????2012 total return: 109.7%

????Shareholders breathed a sigh of relief when regulators determined the nation's second-largest bank had enough cushion money to prevent it from collapsing if the world was struck by another financial crisis.

????Bank of America was one of the financial sector's best performing stocks in 2012, with shares surging 109%. Investors grew confident it had the capital it needs to meet new international standards.

????And unlike last year, when Chief Executive Brian Moynihan was embarrassingly rejected by regulators when he asked to raise dividends, there was less drama in 2012. Rather than hiking the bank's penny-per-quarter payout or buy back shares, BofA plans instead to continue building capital as it works to absorb mortgage-related losses.

????Moynihan is leading the bank through a long-term cost-cutting program, where it would save $1.5 billion a quarter by the end of 2013 and $2 billion annually through the middle of 2015.