????布萊恩?莫伊尼漢

????任職公司：美國銀行

????2009年，美國銀行時(shí)任CEO肯?劉易斯辭職，布萊恩?莫伊尼漢接過帥印，同年，美國銀行償還了450億美元的政府緊急救助貸款。

????如今，公司已經(jīng)恢復(fù)了盈利能力。2010年，美國銀行虧損22億美元，去年公司利潤卻達(dá)到14億美元。為了避免公司重蹈覆轍，上月在紐約召開的桑福德?伯恩斯坦會(huì)議上，莫伊尼漢對與會(huì)的投資者表示，美國銀行已經(jīng)關(guān)閉了自營部門，同時(shí)退出了私募基金業(yè)務(wù)。此外，公司還通過裁員削減了成本。去年九月，美國銀行宣布公司將裁員10%。

????未來，隨著宏觀經(jīng)濟(jì)企穩(wěn)回升，信貸成本將會(huì)降低，美國銀行將從中受益。但公司必須提防利率的大幅上漲，因?yàn)槊绹?cái)政部在美國銀行中持有股份，利率大幅上漲將對公司造成嚴(yán)重傷害。

?????Brian Moynihan

????Company: Bank of America

????Brian Moynihan took over at Bank of America after former CEO Ken Lewis stepped down in 2009, the same year that BofA paid back its $45 billion government bailout.

????The bank is profitable again, recently shifting from a $2.2 billion loss in 2010 to a $1.4 billion profit last year. To keep the company out of harm's way, Moynihan told investors at a Sanford Bernstein conference in New York last month, the bank has closed its proprietary trading desk and gotten out of private equity. It also cut costs by slashing jobs. Bank of America announced this past September that it would slice 10% of its workforce.

????Going forward, Bank of America should be buoyed by steady economic improvement, which ought to keep the cost of credit down. The company must watch out, however, for a sharp increase in interest rates, which could do damage via BofA's U.S. Treasury holdings.