富国银行

Wells Fargo

    2012年《财富》500强排名：第25位

    2012年利润（单位：百万美元）：18,897

    富国银行在美国房地产抵押贷款市场的占有率高达三分之一，因此房地产市场的复苏让它获益良多。由于全行业抵押贷款再融资卷土重来，富国银行2012年利润创下了纪录新高。但是在2012年第四季度，富国银行也敲响了警钟：住房抵押贷款市场的繁荣可能会结束，因为抵押贷款发放在一年多以来第一次出现了放缓。此外，和摩根大通银行一样，富国银行也继续受到低利率的拖累。富国银行的净利差在第四季度萎缩，这种局面已持续到了2013年。净利差是衡量贷款收益的关键指标。

    --T.Z.

    Fortune 500 rank: 25

    2012 profit (millions): 18,897

    For the bank that provides a third of all U.S. mortgages, the housing recovery has been a boon. Wells Fargo posted record annual profits last year on the back of an industry-wide refi-renaissance. But in the final quarter of 2012, Wells rang a warning bell that the boom might be ending. Mortgage lending slowed for the first time in more than a year, and like J.P. Morgan, the bank continues to suffer from low interest rates. Wells Fargo's net interest margin -- a key measure that tracks loan profitability -- shrank in the quarter and continues to contract into 2013.--T.Z.